Uluhlu lweeMali zoKwenza uqalise kuNyaka omtsha ngamnye unyaka
Kodwa njengoko ubomi bakho buqhubeka nokufumana ingxaki, ezinye zazo kanye ngonyaka zonyango "zokwenza" zingawela endleleni.
Ukukunceda ukugcina iimali zakho zemali kwi-track, siye saqulunqa uluhlu lwaminyaka yonke ukwenzela yonke le mi sebenzi efanelekileyo ukujongana nayo ekuqaleni konyaka omtsha minyaka yonke. Ngoko kufana nokuhlambulula intwasahlobo, masenze iinyanga zokuqala zonyaka ngamnye wexesha locwangciso lwemali. Nazi izinto ezi-9 ezifanele ukuba ziluhlu lwemali.
1. Fayile i-FAFSA (Isicelo soNcedo lwezeMali lwabafundi)
Kungakhathaliseki ukuba ungumfundi okanye ungumzali womfundi, ukufaka i-FAFSA yangaphambili kubaluleke kakhulu ekufumaneni iipakethe zokuncedisa ngemali kuwe okanye umfundi oxhomekeke kuyo kunyaka ozayo. Ezinye zeenkcukacha ezifunekayo ziya kuthathwa kwiimbuyekezo zerhafu zonyaka odlulileyo, ngoko oku kusenokuba yi-push you need to start head tax taxes.
2. Yenza Imali Yakho Imali
Uyazi ukuba kufuneka uyenze, kwaye nangona ude ufike ngo-Apreli 15 (okanye kamva ukuba uyifakela isandiso), unokuqala ukuqala.
Ukwenza irhafu yakho akukho mnandi, kodwa ukuba nazo zonke izibonelelo ozidingayo kwindawo enye kuya kwenza lula lula umsebenzi. Ukuzinika ixesha elaneleyo kukunika inzuzo yokuba nexesha lokukhangela kwaye uhlolisise kabini, uqinisekise ukuba ufumana yonke into enokutsalwa kunye nentengo yemboleko ekhoyo.
3. Ngaba Ukuhlolwa Kwemali Yonyaka
Ngaphambi kokuba wenze iinjongo zonyaka omtsha, kufuneka uhlole apho umi khona ngoku.
Yintoni ekufanele uyenze ngayo? Uphi na ngokubhekiselele kwiinjongo zakho zemali ukususela kunyaka odlulileyo? Ziziphi iinkqubela ezitsha eziye zavela kwimali yakho siqu ukususela kunyaka odlulileyo? Oku mhlawumbi ixesha elifanelekileyo ukujonga amanqaku akho ekhredithi. Unelungelo lokusemthethweni kwirekhodi yekhredithi enye yamahhala minyaka yonke (kwaye unokuthenga ngokuthe rhoqo, njengoko kuyimfuneko).
4. Bala iTyala lakho kwiRatio yeNgeniso
Imeko yakho yezemali ingatshintshwa ngokukhawuleza kwithuba lonyaka, ngoko ukwenza oku kubalwa kunokukuxelela ngokukhawuleza ukuba kukho iiflegi ebomvu kwiimali zakho. Kwakhona lukhokelo olulungileyo lokuzivocavoca lokubala amanqaku akho.
5. Bala i-Statement yakho yeNgcaciso
Ukuhlolwa kwakho kwemali yonyaka kufuneka kufake inqaku elihlaziyiweyo lokunikwa. Enyanisweni, ngokuqinisekileyo uza kubala ixabiso lakho lekota nganye ukuze ulandele inkqubela phambili. Kodwa kuncinci, kufuneka ubale inamba yakho yemali ekuqaleni komnyaka ngamnye njengendlela yokubeka inkqubela phambili kwinkqubela yemali ngendlela ejoliswe kuyo. Umthamo wakho uya kunceda ubeke iinjongo zakho zonyaka, ozayo ozayo kwiluhlu lwethu.
6. Hlela iinjongo ezintsha zezeMali
Ukuze uhlale ushukunyiswa ekufinyeleleni iinjongo zakho zexesha elifutshane kunye nexesha elide, kufuneka uzihlolisise ekuqaleni konyaka kwaye wenze nayiphi na inguqu.
Ngaba udibene nenye yeenjongo zakho ngonyaka odlulileyo? Ngaba kufuneka uhlaziywe phambili kwiinjongo zakho ezikhoyo?
7. Setha iBhajethi yakho yoNyaka omtsha
Imiba iyatshintsha kwithuba lonyaka, kwaye uhlahlo lwabiwo-mali olutsha ukuhamba kunye neenjongo zakho ezintsha luya kukugcina endleleni efanelekileyo. Yenza oku emva kokusungula iinjongo zakho zemali.
8. I-Bone Up malunga nendlela loMthetho woNyaka weRhafu oTshintsho uza kukuchaphazela ngayo
Akufanele ube yintlawulo yentela, kodwa ukuba neengcamango zenguqu entsha kwimithetho yerhafu kuya kunceda uqinisekise ukuba awuhlawuli irhafu irhafu kunokuba kuyimfuneko. Ngokomzekelo, ngaba umda we- IRA uphakanyisiwe?
9. I- Tweak yakho yeNgeniso yeNgeniso yeNgeniso
Ukuba isimo sakho somntu sitshintshile (utshatile okanye udidekile, unomntwana, ulahlekelwe ngumntu oxhomekeke kuyo, uthenge indlu, unentshintsho enkulu kwimali engenayo, iirhafu ezihlawulwa kunyaka ophelileyo, okanye ufumane imali enkulu) kufuneka uvuselele kwakhona i-W-4 yakho. .
Ukuba utshintshe ukwenza kwi-W-4 yakho ngokwemigangatho yokufakela isimo okanye inani labathengiweyo, ungaphinda ufune ukuthatha ithuba lokuphonononga nokuhlaziya abaxhamli bakho kunye nentando yakho .
Inkcazo ephantsi yoNyaka-mali yokuThengisa
Ngokuqinisekileyo akudingeki ukuba uzalise le nto ukwenza konke kanye kanye ngeveki yokuqala yonyaka omtsha, kodwa ukuxubusha ezimbalwa ngeveki kuya kuba neemeko ezintle ngokukhawuleza kwaye uya kuziva ukhululekile kwiimeko zakho zemali.