Ngonyaka ophelileyo, unayo imali eyaneleyo egcinwe kwi-paycheck yakho ukuze unelise iimfanelo zakho zerhafu ngonyaka. Ngelishwa, oko akunakuthi kube njalo. Mhlawumbi ukuxolelwa kwakho kwakungekho ngokukhawuleza, ufumene okungaphezulu kunokuba ulindele, okanye enye inguqu kwiimeko zakho zezemali esishiye uhlawulwa irhafu.
Ukuba awukwazi ukuhlawulela ibhilikhi yakho yentela ngemali ngokukhawuleza, unamathuba ambalwa wokunyamekela ibhilikhi yentela.
- Unokuhlawula i-IRS ngokukhawuleza . Imali yokugqibela yenyanga ekupheleni kwayo i-1 pesenti ye-balance, ngenxa ye-$ 10 kwi-balance tax tax $ 1,000.
- Unokwenza isicwangciso sokuhlawula kunye ne-IRS ngemali yexesha elilodwa ukuya kwi-$ 105 kunye nomdla wenyanga.
- Unokuhlawula ngekhadi lekhredithi . Kule meko, uyaxhomekeka kwimimiselo nemiqathango yesivumelwano sakho sekhadi lesikweletu. Ngaphambi kokuba usebenzise i-credit to foot bill bill, qiniseka ukuba uyaziqonda iingenelo kunye nokungalunganga kokuhlawula irhafu ngale ndlela.
Izinzuzo zokuhlawula iintlawulo ngeKhadi leMatyala
Ungasebenzisa ikhadi lekhredithi elinomlinganiselo omkhulu wokwenza imali ukuze uhlawule irhafu yakho. Emva koko, unesimo sokuguquguquka ukuhlawula ikhadi lakho lekredithi ngokuhamba kwesikhathi ngokusekelwe kumagama akho ekhadi lesikweletu. Ngamanye amaxesha ukufumana umniki-khadi wakho wekhredithi uvakalelwa ngcinezelo oluncinci kunokuba i-IRS ihlawulwe. Nazi iinzuzo ezimbalwa zokuhlawula irhafu yakho ngekhadi lakho lesikweletu.
Unako ukufumana umvuzo kwi-balance xa usebenzisa umvuzo wekhadi lesikweletu .
Yisebenzise umvuzo wakho ngekhadi lakho lesikweletu ngokubeka iirhafu kwikhadi lakho lesikweletu. Qaphela, ezinye iimvuzo zamakhadi zesikweletu zinemiqathango kwizinto zokuthenga kunye nezindleko ezincinci ngaphambi kokuba ziqale ukuvuza.
Uya kuba nexesha elingaphezulu lokuhlawula umrhumo werhafu ngaphandle kokufakela iifom ezingaphezulu.
Ukubeka iirhafu kwikhadi lakho lekhredithi kukuvumela ukuba uqhubeke nokuhlawula ibhilikhi yakho yerhafu ngaphaya komhla wokugqibela ka-Apreli 15. I-IRS inokhetho, kwakhona, kodwa ufake iifom ezongezelelweyo ukuze usebenzise inzuzo.
Unako ukukhusela umdla , ukuba unako ukusebenzisa inzuzo yekhadi lesikweletu ngezinga elide lokuqala lokungena kwi-intanethi kwaye unokuhlawulela ibhalansi yekhadi lesikweletu ngaphambi kokuphela kwexesha lokuqalisa. Yiyo eninzi "ifs" ngoko ke qaphela.
Iimpawu zokuhlawula iintlawulo ngeTyala
Nangona unako ukufumana umvuzo kwaye ufumane ixesha elongezelelweyo lokunyamekela uxanduva lwakho lwerhafu, kukho iingxaki ezingundoqo zokuhlawula irhafu ngekhadi lesikweletu.
Uya kuhlawula umrhumo kwerhafu ofunekayo . Ukuba sele uthabatha ukuhlawula ibhalansi yekhadi lakho lekhredithi, ngokugqithiseleyo uza kugqiba ukuhlawula inzala. Ukusebenzisa umlinganiselo wekhadi lesikratshi eliphantsi okanye umntu onomyinge wenzalo okhutshulwayo uya kunciphisa inani leendleko zenyanga zemali ozihlawula ngayo.
Kukho iifizi ezifanelekileyo . Xa uhlawula irhafu ngekhadi lesikweleti, i-IRS inokuhlawula imali elula yokufumana i-2.49 pesenti yerhafu yakho yerhafu. Ukuba unetyala elingu-1 000, umzekelo, imali elula iya kuba malunga ne-$ 25. Ukubeka imali yeerhafu yeerhafu kwikhadi lakho lekhredithi liya kubiza i-$ 250.
Kucacile ukuba, xa ufuna ukuhlawulwa kwiirhafu, umrhumo ophezulu uya kuba.
Awukwazi ukuhlawula ityala . Ingeniso yerhafu enye yeentlobo zeetyala ongenakuziphazamisa (kunye nenkxaso yabantwana kunye ne-alimony). Ngoko ke, ukuba unenkxalabo yezemali kamva phantsi kweendlela, qaphela ukuba i-bankruptcy ayiyi kukhupha ityala lekhadi lekhredithi elivela kwiirhafu.
Umnikeli wakho wekhadi unokucinga ukuba uyingozi . Ukuba kufuneka usebenzise ikhadi lakho lekredithi ukuhlawula irhafu yakho yentlawulo, umnikeli wakho wekhadi unokukubona njengesibonakaliso sokuba unenkathazo yezemali. Emva kwakho konke, kutheni ungasebenzisa ikhadi lakho lekhredithi ukuba unako ukuhlawula irhafu yakho? Ngenxa yengozi yokwandisa, umniki wakho wekhadi unokuphakamisa izinga lakho lomdla, unciphise umda wakho wesikweletu, okanye ukhansele ikhadi lakho lesikweletu.
Ukuvavanya ingozi yokuhlawula iintlawulo ngeCredit Credit
Ukuhlawula ngekhadi lesikredithi kunokukunika ukulungelelanisa ukuhlawula ixesha elithile, kodwa kufuneka kuthathelwe ingqalelo njengawo nawuphi na ukuthengwa kwekhadi lesikweletu.
Ibhalansi yakho isekelwe kwisivumelwano sakho sekhadi lesikweletu. Inqanaba lomdla kunye nemirhumo iya kuqhubeka nokunyanzeliswa ngumboleki wakho. Iintlawulo ezizayo ziya kufakwa kwingxelo yakho yebhanki, iya kuba nefuthe kumanqaku akho okwekhredithi, kwaye inokuchaphazela ukukwazi kwakho ukufumana amakhadi enkredithi kunye nemboleko kwixesha elizayo.