Iimfanelo zoLongezelelweyo ezine ezongezelelweyo
Imirhumo, i-inshorensi kunye nokuthatha umhlalaphantsi yimbopheleleko eyongezelelekileyo enokuyenza xa usebenza wena. Ukuzithengela umsebenzi kunika inkululeko enkulu. Kukulungele ukusebenzela wena kwaye usebenze ngokwenene ukufezekisa amaphupha akho. Ngenkululeko eyongezelelweyo ifumana uxanduva oluninzi. Xa usebenza ngokuzimeleyo, ngokuqhelekileyo awuyi kuba neSebe loluntu olujongene nezibonelelo zakho. Unoxanduva lwakho kunye nexesha elizayo. Ukuba ucinga ngokuziqhelisa, zizinto ezine omele uzigubungele xa uziqeshwe.
01 Umshuwalense wezeMpilo oziSebenzayo
- Ukuba utshatile, unokufuna ukucinga ngokusebenzisa i-inshurensi yezempilo kwiqabane lakho.
- Ukutshintshana kwezempilo kunokuba yinto enye yokukunceda ukuba ufumane i-inshurensi yempilo efikelelekayo.
- Iinshurensi yezempilo ikhusela imali yakho. Kubalulekile ukuzincama kwezinye iindawo ukuba ube nazo.
02 Ukuqeshwa kwabasebenzi kunye neentlawulo
Ingqesho yedwa kunye neentlawulo zerhafu nenye indawo apho uhlala khona. Kufuneka ubeke eceleni imali ngenyanga, kunye nokuhlawula irhafu yenyanga. Kubalulekile ukuhlawula i-IRS ngexesha kwaye ngokupheleleyo. Inkqubo ifuna ukuba ufumanise ukuba ungakanani na. Akunzima, kodwa unokujamelana nezohlwayo xa ungahlawulanga ngekota. Unokuhlawulwa kwakhona xa ungaphumeleli ukuhlawula irhafu yakho. Unokufuna ukusebenzisa i-accountant kunyaka wokuqala ufaka irhafu yengqesho. Oku kusebenza nokuba usebenza njenge-freelancer, ikontraka ozimele okanye njengomnini-shishini. Ukuba unabasebenzi, kuya kufuneka uqinisekise ukuba uhlawula irhafu yakho yentlawulo.
- Ukubeka eceleni imali nganye ngenyanga ukuhlawula irhafu yindlela efanelekileyo yokulawula oku.
- Musa ukulibala malunga nokuba uza kuhlawulwa njani kwiirhafu zaseburhulumenteni kunye neendawo zendawo.
- Gcina iirekodi ezicwangcisekileyo ukuze ungabi nemicimbi xa uphicothwa.
03 Ukuqeshwa kwabasebenzi kunye noMhlalaphantsi
Ukuthatha umhlala-phantsi ngumsebenzi wakho. Ngeke ube nomdlalo wenkampani okanye umntu ekuncenga ukuba ube negalelo kumhlalaphantsi. Oku kuthetha ukuba kufuneka uqale ukugcina ngoku. Kukho iincwadana ezikhethekileyo ezifumanekayo kubasebenzi abazisebenzayo, ezinikeza imali yokulondoloza irhafu. Ngokuqala ekuqaleni, ungalondoloza imali encinci kwixesha elizayo. Ukongeza kwimveli okanye iRoth IRA , unokuvula i-KEOGH okanye i-SEP IRA. Kufuneka usebenzise ama-akhawunti aphantsi komhlala-phantsi onika ikhefu zentela, kodwa ungaphinda ufune ukuvula ii-akhawunti ezongezelelweyo-mali ukuze uqinisekise ukuba unayo imali eyaneleyo xa ufuna ukuhlala phantsi. Kungakunceda ukuthetha nomcebisi wezemali ukuba ufunde oko ungakwenza ukuze uqinisekise ukuba ulondoloza ngokwaneleyo ukufikelela kwiinjongo zakho zomhlalaphantsi.
- Musa ukucima imali yakho yokugcina umhlalaphantsi. Awunakufumana uncedo olongezelelweyo kwiminikelo yomqeshi.
- Unokubanga igalelo lakho kwerhafu kwaye unciphise umrhumo wakho werhafu.
- Thatha kwi-akhawunti okanye umcwangcisi wezemali ukuvula ii-akhawunti kwaye uqale ukwenza iintlawulo zenyanga.
04 Uhlahlo lwabiwo mali
Unokufumana kunzima ukuhlawula isabelomali xa ungafumani ikhekhe lokuseta. Nangona kunjalo, kubaluleke kakhulu ukusebenzisa imali yakho ngobulumko xa ungaqinisekanga ukuba uza kufika phi inyanga nganye. Kukho amanyathelo athile atholakalayo ukukunceda uhlahlobe imali yakho yerhafu. Unokufuna ukuvula i- akhawunti eyahlukileyo kwibhankini eyahlukileyo ukwenzela ukuba kube lula ukugcina iindleko zoshishino zakho zihluke kwiindleko zakho. Ukuba uhlahlo-mali ngokucopheleleyo, kwaye ulondoloze rhoqo, uya kuba nako ukulawula iinyanga xa ingeniso yakho isezantsi kunesiqhelo. Uninzi lwezakhono zihamba ngokukhawuleza ngexesha lonyaka, kwaye awukwazi ukuba unyaka wokuqala okanye ezimbini zokusebenza. Oku kuthetha ukuba xa uqala ukuqala udinga uhlahlo lwabiwo-mali olusisigxina, kwaye ulondoloze okungakumbi ukuze ukhuseleke. Emva kokuba uyifumene, akufuneki ukuba ugcine imali nganye ngenyanga.
- Xa amaxesha amnandi aqiniseke ukubeka imali ekugcinweni rhoqo.
- Hlela imali yakho ukuze unqande kwiinkonzo xa kufuneka. Oku kuthetha ukunqanda iikhontrakthi ofuna ukuzithenga ukuze ukhansele inkonzo.
- Yilondoloze ngokuthenga kwakho njengendlu okanye imoto ukuze ungenayo inkokhelo enkulu exhomekeke ngentloko yakho.