Ubhaliso oluvulekileyo luyakuvumela ukuba wenze izigqibo zemali ezibalulekileyo
Yiyiphi Ubhaliso oluvulekileyo?
Ukubhalisa ukuvulwa ngokuqhelekileyo iiveki ezimbalwa kwiinyanga ezimbalwa kunyaka ovumela abasebenzi ukuba benze utshintsho kwizicwangciso zabo ezixhamlayo. Ezi zinguqu zihlala zihlanganisa iinkonzo ezinjenge-inshurensi yempilo, umbono, amazinyo kunye nobomi bomshuwalense . Unokuba neenzuzo ezinjengokukhubazeka kunye neengxelo zokulondolozwa kwempilo eziya kufaneleka.
Ngethuba labasebenzi bokubhalisa abavulekile banokukhetha ukubhalisa kwiintlawulo zexesha lokuqala, ukuguqula izicwangciso zabo zangoku okanye iimali zokukhawuleza, okanye ukuhlawula ngokupheleleyo. Ezi zigqibo zinempembelelo enkulu yemali ngoko kubalulekile ukulinganisela okukhethiweyo ngokuchanekileyo.
Kutheni kubhaliswa okubhaliweyo kubalulekile?
Ngeentlobo ezininzi zeenzuzo xa ukhetha ukhetho olubophelelwe kuloo khetho kunyaka wonke ngaphandle kokuba udibana nemibandela embalwa. Ngokomzekelo, ukuba ubhalisela isicwangciso sezempilo esine-premium yee-premium ye-$ 100 uza kuhlanganiswa nesicwangciso kuze kube yithuba lakho lokubhalisa elivulekileyo okanye isiganeko esifanelekileyo.
I-IRS ichaza ezi ziganeko ezifanelekileyo njenge:
- Umtshato
- Uqhawulo
- Ukuzalwa
- Ukwamukelwa
- Ukufa
Ukuba ungenayo isiganeko esifanelekileyo esibhalwe apha ngasentla awukwazi ukwenza utshintsho kwiinketho zakho zokubakho kwangoku ukuya kwithuba elizayo lokubhalisa. Ngokucacileyo, ukukhetha isicwangciso esingalunganga kunokubiza xa unyanzelekile ukuba unamathele kwisigqibo sakho unyaka wonke kwaye awufaneleki utshintsho.
Izinto Ezifuneka Uziqwalasele Ngexesha Lokubhalisa Okuvulekileyo
Kuba abaninzi abantu iqela elikhulu kwinzuzo yabo yinshuwalense yezempilo. Xa ufaka ixesha lokubhalisa elivulekile kufuneka uhlolisise ngononophelo iinketho zomshuwalense wezempilo kunye neendleko. Iinkampani zihlala ziguqula izicwangciso kunye nama-premiums ukwenzela ukuba uqhubeke kunye namaxesha ukuze ukuhanjiswa kunye neeprayimari onokudlulileyo kunyaka odlulileyo kungenako okufanayo kulo nyaka.
Ngaphandle kokuba uhlolisise zakho iinketho zokubhengezwa maziqiniseke ukuba ukhangele ukuba i-inshorensi yakho inganikeza. Ngenxa yokuba usebenzise icebo lomqeshi wonyaka odlulileyo akuthethi ukuba yiyona ndlela ihamba phambili yezenzo kulo nyaka. Kungaba nengqiqo ukutshintsha kwisicwangciso somlingane wakho.
Qinisekisa ukuqwalasela yonke imiba yenkcazo kwaye kungekhona nje iindleko. Uya kufuna ukuthelekisa ama-premium, ama- deductibles , ukuhlawula imali kunye ne-total- out-of-pocket limit limits. I-premium engaphantsi ibonakala ngathi yindoda enkulu yokugcina imali, kodwa unokuphelisa ukuhlawula ngakumbi xa ukufumana ingxelo kungabonakali. Ngoko, khetha ngokuhlakanipha.
Cinga iAkhawunti yokuGcina iMpilo
I- akhawunti yokulondoloza impilo okanye i-HSA ingaba yindlela efanelekileyo yokuncedisa ezinye zeendleko eziphezulu zempilo. Ngaloo nto uvumelekile ukuba ufake imali engaphambili yentlawulo kwi-akhawunti eyahlukeneyo engasetyenziselwa ukuhlawula iindleko zonyango .
Ezi "ziyisebenzisayo okanye zilahlekelwe" i-akhawunti ngoko kuthatha isicwangciso esincinci ukuqinisekisa ukuba ulondoloze ngokwaneleyo ngaphandle kokulondoloza kakhulu, kodwa iintlawulo zerhafu zingaba ibhonasi enhle.
Ukuya ngaphaya kweeNzuzo eziBhalisiweyo
Nangona uza kusebenzisa eli xesha ukutshintsha izibonelelo zakho ezifumanekayo ngokubhalisa okuvulekileyo, lixesha elifanelekileyo lokuhlola ezinye iinkalo zemali ezihlobene nomsebenzi. Okokuqala, ngoku lixesha elifanelekileyo lokujonga ingxowa yakho yerhafu . Njengoko uyazi, umqeshi wakho ugodla irhafu kwi-paycheck yakho. Emva koko ekupheleni konyaka ufumana i-W-2 echaza indlela oye wazuza ngayo kwaye ingahlawulwa njani intela. Ukuba ungumntu ohlala efumana imali enkulu okanye kufuneka ahlawulwe ngemali ye-IRS ngo-Apreli awunayo imali elungileyo. Ngokuhlolisisa ukugodla kwakho unako ukuqinisekisa ukuba awunayo imfuneko kakhulu okanye ayinayo ngokwaneleyo.
Funda indlela yokugqiba ukukhululwa kwakho kwe-W-4 yokubamba irhafu.
Okwesibini, sebenzisa ixesha lokubhalisa elivulekile njengesikhumbuzo ukujonga iingeniso zakho zomhlalaphantsi . Uninzi lwama- 401 (k) izicwangciso zivumela ukuba wenze utshintsho kunaliphi na ixesha, kodwa ekubeni sele uvavanya ezinye iinczuzo zakho oku kuza kuba lixesha elifanelekileyo lokujonga le nto. Qinisekisa ukuba unika isandla kwisicwangciso ukuba unayo, kwaye ukuba ngaba banikela umdlalo wenkampani, qi niseka ukuba ufumana yonke imali ekhululekile onelungelo lakho. Ngaphandle koko, jonga umxube wakho wotyalo-mali kunye nokusebenza kwaye uqinisekise ukuba utyalo-mali lwakho usele ndlela ukufikelela kwiinjongo zakho.