Ukuqulunqa ukukhutshwa kwakho kunokukhokelela kwi-Big savings
Ewe, ukuthatha imali echithwayo ngokuqhelekileyo kulula, kwaye inokuba yinto engcono xa unesimo serhafu esilula okanye ungenawo ikhaya.
Kodwa ngaphambi kokuba wenze isigqibo, kufuneka uchithe ezinye iinombolo. Ukuba unqume ukuba i-itemizing ilungile kuwe, inokukhokelela ekulondolozeni okuninzi.
Ukuhluthwa ngokubhekiselele kwiDeduction Standard
Ukuncitshiswa okuqhelekileyo yinto efana neyona nto - isamba esicacileyo esinokuyithatha kwingeniso yakho engenayo . Imali ongayenzayo isekelwe kwisimo sakho sokufakela , inani labathembekileyo, kwaye unyaka onjani ukufaka iirhafu .
Ngomnyaka werhafu ka-2017, ukutsalwa okuqhelekileyo kuxabiswa kwiiRandi 6,350 kubahlawuli berhafu abathatywayo kunye nezibini ezitshatileyo ezifakela ngokubambisana. Iyakhula ukuya kwi-12,700 yezibini ezibini ezitshatileyo zifake i-joint joint. Iintloko zezindlu zinokuthi ibheno elichanekileyo lifanele u-$ 9,350. Ukususela ngo-2018, ukuncitshiswa okuqhelekileyo kwanda kwi-12,000 yeedola ezifowunini ezingatshatanga, ii-18,000 zamaRandi kubaphathi bezindlu kunye ne-24,000 zamawaka ezibini ezitshatileyo ezifakwe ngokubambisana.
Xa usuhlutha i-deductions esikhundleni sakho, unako ukukrazula inani elingu-dollar inani leendleko ezahlukeneyo.
Ezinye zalezi zithintelo ziza kufaka inzala yemithwalo yempahla , irhafu yerhafu, iindleko zonyango kunye nomdla wemali mboleko, kubabiza ngambalwa. Ukuba uthe wazalisa zonke iirhafu zakho ezivumelekileyo kunye nenani elipheleleyo elinalo likhulu kunomtsalane oqhelekileyo, bekuya kuba bubulumko ukuthetha.
Ziziphi iindleko ezinokuthi zichazwe?
Iindleko ezininzi zingabandakanywa kwiluhlu lwakho lokuncitshiswa.
Iindleko eziqhelekileyo ziquka:
- Inzala yomhlalaphantsi
- Iminikelo yokunikela
- Iirhafu zepropati
- Intlawulo karhulumente kunye neengingqi
- Ilahleko zokugembula
- Umtsalo wemali mboleko
- Iindleko zokuhamba
- Iindleko zophando zeJob
- Iindleko zonyango ezingaphezu kwe-7.5% yengeniso yakho epheleleyo
- Iindleko ezahlukahlukeneyo ezidlulileyo i-2% yengeniso yakho, njengemisebenzi yokubambisana, izixhobo kunye neempahla ezifunekayo emsebenzini, iintlawulo zokulungiselela iintlawulo kunye nemali ethile yomthetho (kuninzi ngaphezulu)
Ukususela ngo-2018, ukukwazi ukukhangela ezinye zeendleko kunye nexabiso elichithwe liza kutshintshwa phantsi koMthetho wokuThuthwa kweRhafu kunye neMisebenzi . Ngokomzekelo, ukunqunyulwa kwemithwalo yemboleko yokunciphisa imali kuhla ukusuka kwi-$ 1 yezigidi ukuya kwii-750,000 zamaRandi, ngelixa ukuxothwa kweminikelo yokuncedisa kwanda ukusuka ku-50% wemali engenayo ehlaziywe kwi-60%.
Ukuncitshiswa kweerhafu zorhulumente kunye neendawo zendawo ziya kufakwa kwi-R10 000 ukuya phambili. Ukukhutshwa kwezinto ezinjengeendleko ezihambayo, iindleko zokuzingela umsebenzi kunye neendleko zomqeshwa ezingahlawulwayo ziya kupheliswa, njengoko kuya kuncitshiswa kweentlawulo ze-alimony, iimali zokulungiselela iintlawulo kunye neendleko zee-home office. Inzala yomhlala-mboleko yemali iya kubanjiswa, kunye nokunciphisa ukulahlekelwa kwezinto ezilahlekileyo ezingagqitywa yi-inshorensi.
Ngaba Ufanele Uyibeke?
Akukho mpendulo echanekileyo okanye engalunganga, kwaye ekugqibeleni kuxhomekeke kwimeko yakho.
Ukuchonga ukuba i-attemizing iza kuba yinzuzo kuwe, jonga kwiShedyuli A ye-IRS Ifomu 1040. Kule phepha, ungabhala uluhlu lwakho lweendleko, uze uzihlawule ukuba uqikelele isixa semali esezantsi . Ukuba ixabiso elithethiweyo likhulu, ngoko uyafuna ukuyifumana. Ukuba inani elipheleleyo leemali liphantsi kwexabiso elichithwayo, awuyi kufuna ukuyifumana.
Ukuncitshiswa okukhulu kunazo zonke abantu beza kufaka inzala yemithwalo yempahla kunye nentlawulo yepropati, kwaye kula maxesha, ukuhlawulwa kwempahla enokuthobeka kunokukubeka phezu komda wokunciphisa oqhelekileyo. Ekubeni oku kungagqiba kumawaka eedola ngaphaya kokuncitshiswa okuqhelekileyo , ukugcinwa kwentela kungabonakalisa.
Nangona le nto inokubanjiswa okukhulu, gcinani engqondweni ukuba ngenxa yokuba unayo ikhaya, akuthethi ukuba ukutsalwa kweerhafu yempesheni kubhetele kunokuba kuthengiswa okuqhelekileyo.
Kufuneka uqhube iinombolo.
Isimo sakho sokufakela sinokuchaphazela nokuba ngaba kunengqiqo ukuza kutshintsha okanye kuthathe umvuzo ophantsi. Ukuba utshatile, wena kunye nomlingane wakho kufuneka ukhethe enye inketho, nokuba uyayifaka imbuyekezo ehlukeneyo. Ukuba omnye wenu uninzi lweendleko ezidityanisiweyo kunomnye kwaye nabo banomvuzo ophezulu, ngoko ke ukuba i-itemizing ingaba yindlela engcono.
Kwakhona khumbula ukuba ngezinye iindleko, kufuneka ubeke kwiShedyuli A ukuze wenze isicelo sokubanjiswa. Oko kufaka izinto ezinjenge-mortgage interest and deductions deductions. Ezinye iindleko ziyakwazi ukufumana ilungelo elingentla ngentlawulelo, oku kuthetha ukuba akudingeki ukuba ufune ukuzenza. Ezi zibandakanya inzala yemboleko yomfundi kunye negalelo kwi- IRA yemveli . Ukujonga emacaleni omabini omgangatho ohambelana noluhlu lwemali kwaye ucinga ukuba yiyiphi iinqununu ezithatyathwe kumgca onokuwufumana unokukunceda ukuba unqume indlela oza kuyenza xa ulungiselela ukubuyela kwakho.