Akukho Ukukhutshwa kweNkcazo yeKhadi leMatyala
Ukuba uzalwe kuma-1960 okanye ngaphambili, unokukhumbula ixesha onokuyithatha inzala yekhadi lesikweletu kwimbuyekezo yakho yentela.
Akunandaba nokuba uyithengi ngekhadi lakho lesikweletu, yonke inzala oye uyihlawula inganqunyulwa kwi-tax return yakho.
I-1980 yabona utshintsho olukhulu kwiikhowudi zerhafu ngokudluliswa koMthetho weRhafu Reform ka-1986. Enye yalezo zinguqu yayikupheliswa komdla wekhadi lomntu wesikweletu njengendleko echithwayo. Awukwazi ukukhangela inzala oyihlawulele kwiikhampani zekhadi lesikweletu kwintengiso yamakhadi edayday. Awukwazi ngisho nokukhangela umdlalo wekhadi lesikweletu ukuba usebenzisa ikhadi lokuthenga ngetyala ngexabiso lokuthengwa kwemali xa usetyenzisile esinye isixhobo senkundla, njengendawo yokuhlala, ukuphucula ikhaya okanye iikholeji.
Intshisekelo yomntu siqu ingaphezulu kwexabiso elihlawulwa ngamakhadi-mboleko. Kwakhona kubandakanya inzala ehlawulwe ngemali-mboleko yemali kunye nezinye iindleko ezihlawulwa.
Ukungabikho kwamashishini kunye nabantu abazimeleyo
Inzala yemakhadi yemboleko ingathatyathwa njengendleko yoshishino kumashishini, kwiikontraka kunye nabanye abantu abaqeshwe ngabanye.
Ukulungiselela iinjongo zokubaluleka, kulungile ukusebenzisa ikhadi lekhredithi eyahlukileyo kwiindleko zoshishino. Ungakwazi ukubala ngokulula umbandela wezoshishino oye wakhokhela ngokusebenzisa izitatimenti zakho zokubhatala ngekhadi lesikweletu. Ngaphandle koko, ukuba usebenzisa ikhadi lekhredithi oyisebenzisileyo ekuthengeni kwakho kunye nezoshishino, uza kuhlukanisa iindleko zezoshishino zakho, ngoko kubala inani lemali oye wahlawula ishishini.
Unokukhangela inzala yekhadi lesikweletu ehlawulwa kwiindleko zoshishino nokuba ngaba ikhadi lekhredithi ayilona khadi lekhredithi. Ngeenjongo zokugcinwa kwerekhodi, fayile ufumane iirisithi zakho kunye neengxelo zekhadi lesikweletu ezibonisa umdla ukwenzela ukuba unako xa kufaka i-tax return yakho. I-preparer yakho yerhafu (nokuba uyilungiselela irhafu yakho) iya kukubulela ngokulungelelaniswa.
Iintlobo Zenomdla Engachithwa
Nangona umdla wamakhredithi wekhredithi awunakuncitshiswa, kukho ezinye iintlobo zomdla onokukwazi ukuzenza, ngokutsho kukaWilliam Perez, u- Expert Planning Plan wase-US .
- nzala
- nomdla wemali mboleko
- umda we-investment interest
Ukutsala lolu hlobo lomdla, kufuneka uhlawule umrhumo kwimboleko yemali mboleko okanye mboleko yomfundi, kungekhona ikhadi lekhredithi elisetyenziselwa ezo ndleko.
Ungasebenzisa imali mboleko yemali ukuhlawula amakhadi akho ekwereta, uze uchithe inzala ehlawulwe kwi-loan yakho yemali. Oku kunokukunceda ngokukhawuleza, ekubeni iimali-mboleko zemali zangasese zinexabiso eliphantsi. Kodwa, khumbula ukuba ikhaya lakho lisemgceni xa ungekho phantsi kweentlawulo.
Qhagamshelana neengcali zerhafu malunga neemeko zakho zerhafu ukufumana isiluleko esicacileyo malunga nokuba umdla ohlawulwayo urhoxiswa irhafu.