Enye yalezo zinguqu zibizwa ngokuba yi-test test. Kubalwa ukuqikelela ukuba ngaba abatyala (abo bafake i-case case bankruptcy) banemali eyaneleyo yashiya inyanga nganye ukwenza inkokhelo enenjongo ekunciphiseni ityala labo elingaqinisekanga. Inkokhelo engaqinisekanga ayinayo ityala. Iquka izilinganiso zekhadi lesikredithi, iimali-mboleko zeminikelo yokuthenga, iimali-mboleko zesayinithi, iibhilikhwe zonyango, iibhidi zesevisi ezingabhatalwa kunye nokunye okunjalo. Ingakwazi ukuquka imali engenayo engenayo imali okanye enye irhafu.
Kwamanye amanqaku kulolu chungechunge, siye saxoxa ngolu hlobo lweemvavanyo olwenziwe ukuba luyenze , lusebenza njani , yintoni "ukunyanzeliswa kokusetyenziswa gadalala" , kwaye yiyiphi intlobo yemali engenayo ifakiwe okanye ingabandakanywa ukusuka ekubaleni.
Ingeniso eLawulayo
Kuthetha ukuthini ukukwazi "ukuthenga" ukwenza iintlawulo ngokwakho okanye ngeSicwangciso seSahluko 13 sokubuyisela ? Uvavanyo lwendlela lusetyenziswe ukuba lufike ngenani, elibizwa ngokuthi "ingeniso ehlawulwayo ehlawulwayo," okufuneka ukuba imele inani lemali eyongezelelweyo oshiye inyanga nganye, ngokuqwalasela ingeniso yakho kunye neendleko zakho ezifanelekileyo neziyimfuneko.
Ndiyazi into ocinga ngayo. "Andikho nto eseleyo." Ndikho emgodini ekupheleni kwenyanga. Yingakho amakhadi enditalini axhunyiwe. " Ewe, uvavanyo lweendlela lubhekiselele kwingeniso yakho kunye neendleko zakho ngendlela eyahlukileyo ngendlela oya kubajonga ngayo. Isebenza emininzi yemithetho kunye namanani amaninzi, okunye kusekelwe kwimilinganiselo kazwelonke okanye yeengingqi, ezingenakho isiseko ebomini bakho.
Okokuqala, iNgeniso yakho
Uvavanyo lokuqala lwendlela lujonga ngayo ingeniso yakho ukufumanisa ukuba uwela kwisiqingatha sabantu abafumanayo okanye isiqingatha esincinane sabazuzi kwimeko yakho, isilumko-mali. Ukuba uwela kwisiqingatha esingaphantsi, uqhube ngokuzenzekelayo uvavanyo lwendlela. Ukuba unesigxina esiphezulu, uvavanyo lwendlela lujonga kwakhona iindleko zakho ukuchonga ukuba uyadlula okanye awukho. Kule nqaku, sigxininisa indlela ezo nkcitho ziphathwa ngayo.
Emva koko, iindleko zakho
Uninzi lweentlawulo ezichithwayo azisekelwe kwinto oyenayo ngokwenyanga nganye, kodwa oko i-IRS ibona njengesiqhelo esiqhelekileyo kwintsapho ubukhulu bakho obuhlala kuyo. Ewe, ndathi i-IRS - abantu abafanayo abaqokelela irhafu yakho. Xa i-IRS iqokelela irhafu ebuyiswayo, isebenzisa ifomu ukuqinisekisa ukuba ngabahlawuli berhafu banakho ukuhlawula kwakhona kwaye kaninzi kangakanani. Xa iCongress yadlulisela ukugqitywa kwemithetho yebhanki eyayifaka ukuhlolwa kweendlela, zagqiba ekubeni zingabonakali kwakhona isondo, kodwa kunoko zifuna ukuba uvavanyo lwezakhono lubekwe kwiibhuli eziveliswe yi-IRS. Ezi xabiso zinakho okanye zingabonakali imeko yakho.
Izixa-mali ezichanekileyo zingatholakala kwiwebhusayithi ukuba iTrasti yase-US igcinwe kwiindlela zokuvavanya ize iwele kwiiklasi ezintathu ezibanzi esiya kuthiwa ngabanye, izindlu kunye nokuthutha.
Umntu
Eli candelo liquka:
- Ukutya
- Ukugcinwa kwezindlu
- I-Apparel kunye neenkonzo (ezifana nokucoca ngokucoca)
- Imveliso yokunyamekela
- Ezahlukeneyo
- Iindleko zonyango lwezempilo ngaphandle kwe-pocket (ngaphantsi kwama-65 nangaphezulu kwama-65)
Ezi zixa zithathwa njengemigangatho kazwelonke kwaye ziyasebenza kungakhathaliseki indawo yakho.
ZeZindlu
Imigangatho yezindlu iye yaphulwa phantsi kwinqanaba likaRhulumente kunye nelokuhlala. Ezi ziquka ixabiso elimisiweyo
- Imali okanye irente
- Iirhafu zepropati
- Inzala
- IInshshu
- Ukugcinwa nokulungiswa
- Izixhobo zokusebenza, kuquka negesi, ugesi, amanzi, ukufudumeza ioli, ukuqokelela udoti, umnxeba, ifowuni, intanethi kunye nekhebula
Zothutho
Ukuba unesithuthi, iindleko zesithuthi sakho ziza kwiindawo ezimbini. Enye inkokhelo yobunini, (ebandakanya umboleko wenyanga okanye ukuhlawulwa kwemali) kunye neendleko zokusebenza (ukugcinwa, ukulungiswa, i-inshurensi, ukuthunyelwa kwamanzi, ukubhalisa, ilayisenisi, ukuhlola, ukupaka kunye neerhafu).
Ezi xabiso zidilizwe ngummandla.
Ukuba unemoto, kodwa akukho ntlawulo, unokusebenzisa kuphela iindleko ezivumelekileyo zeendleko zokusebenza.
Ukuba inkokhelo yakho yemoto ingaphantsi komgangatho, uya kukwazi kuphela ukuthatha inani lemali yokuhlawula imoto njengendleko yakho yobunini.
Ukuba ungumntu oyedwa, ufumana iitaliti enye yemoto. Ukuba uthumela ngokubambisana kunye neqabane lakho, ufumana iitaliti ezimbini ngeemoto, nokuba ngaba uxhomekeke kwiimoto zabo.
Ezinye iindleko eziyimfuneko
Kwiintlobo ezininzi zeendleko, ukulinganiswa kokuhlolwa kweendlela kukuvumela ukuba uchithe umyinge weemali ezizenzekelayo wena kunye nabaxhomekeke kuzo. Uninzi lubekwe kwifom ngokwalo:
- Imirhumo: i-federal, i-state kunye neyendawo, kuquka intlawulo, ukuzisebenzelana noKhuseleko loLuntu kunye neMicare, kodwa kungekhona indawo yokuhlala kunye nentlawulo yokuthengisa
- Ingqesho: izinto ezifunekayo kwingqesho yakho, njengeendleko zomanyano kunye neendleko ezifanayo, kunye neminikelo yokuthatha umhlalaphantsi emiselweyo (kungekhona iminikelo yokuthatha umhlalaphantsi ngokuzithandela)
- Inkundla-inikwe intlawulo: umzekelo umtshato okanye inkxaso yentlawulo yabantwana, ngaphandle kokuba kudala
- Inshorensi yobomi
- Imfundo yengqesho okanye yomntwana onomngeni omzimba okanye wengqondo
- Ukunyamekela abantwana
- Iindleko zonyango, ngaphandle kweemali ezichongiweyo ezivunywe ngasentla, ezingabuyiselwa yi-inshurensi okanye zihlawulwe kwi-akhawunti yokulondoloza impilo
- Iinkonzo zonxibelelwano: ngaphandle kwefowuni yasekhaya kunye nenkonzo yefowuni - ifakwe kwiindleko zezindlu ngasentla - kwizinga eliyimfuneko kwimpilo yakho nentlalo-ntle okanye yabantu abaxhomekeke kuyo.
- Iinshurensi yezempilo, i-inshorensi yokukhubazeka kunye neendleko ze-akhawunti yokugcina imali
- Iminikelo eqhubekayo ekunyamekelweni kwendlu okanye amalungu omndeni asebekhulile, abagulayo okanye abagulayo
- Ukukhuselwa kobundlobongela bentsapho phantsi koMthetho woLwaphulo lwezeNkcubeko kunye neNkonzo okanye omnye umthetho osebenzayo
- Iminikelo yokunceda ukuba ungadluli kwi-15% yengeniso yakho yenyanga
Iingqiqo ezongezelelweyo kunye neemfuneko eziyimfuneko
Ezi zindleko zilandelayo zingabanjwa, ukuba unokubonisa, ngokuqhelekileyo ngamaxwebhu, ukuba iindleko zifanelekileyo kwaye ziyimfuneko;
- Iindleko zamandla asekhaya ezidlulileyo
- Iindleko zezemfundo kubantwana abaxhomekeke phantsi kwe-18 (kodwa kungekhona isikolo somfundi esikolweni sangasese).
- Ukutya okongeziweyo kunye neendleko zokugqoka: Ukuba ukutya kwakho nezindleko zokugqoka zidlula umyinge oqhelekileyo ochithwe ngasentla, unokubanga i-5%
Iintlawulo zetyala
Iintlawulo kumatyala angakhuseliyo, njengemithetho yeebhilidi zonyango, amakhadi enkredithi kunye nemali-mboleko ye-payday ayivunyelwe njengeendleko zeendlela zokuvavanya. Amatyala alandelayo anokuncitshiswa njengendleko
- Intlawulo kwiimangalo ezikhuselekileyo, kubandakanywa nemali-mboleko yokuthengwa kwepropati yangempela, iimoto kunye nempahla ethile.
- Iintlawulo "kwiibango eziphambili," njengeentlawulo zerhafu, ukuxhasa abantwana kunye neentlawulo ze-alimony.
- Iindleko zolawulo: iindlela zokubala iimvavanyo zithatha ixabiso elithe laqikelela ukuba yeyiphi imilinganiselo enyangeni yakho ehlawulwayo. Isahluko 13 intlawulo iya kuba, kunye nomrhumo weSahluko 13 umphathiswa oza kuhlawulisa ukulawula loo matyala.
Ukuchithwa kwemiSebenzi yokuHlala
Kwimeko yeSahluko 13 kuthetha ukuvavanya kuphela, unokwenza igalelo lokuzithandela kwi-akhawunti ye-ERISA yomhlalaphantsi, njengama-401 (k), kwakunye neentlawulo ozenzayo kwimali-mboleko ethathwe kwi-akhawunti yomhlalaphantsi.
Kwiimeko ezizodwa
Ukuba ukholelwa ukuba unikezela iimeko ezikhethekileyo ezifanelekileyo zokufumana iindleko ezongezelelweyo ezingenakho okunye okufanelekileyo, ifomu yokuhlolwa kweendlela kukunika ithuba lokuluhlu lweendleko kwaye uchaze isizathu sokuba ukholelwe ukuba ezo ndleko kufuneka zibalwe kwimeko yakho. Kufuneka ulungele ukunika amaxwebhu ukuxhasa ibango lakho.
Ukuze ufunde okungakumbi malunga neemeko zeemeko ezinokubangela iimeko ezizodwa, tyelela uVavanyo lweZindlela-Ukulwa nokuPhathwa kweNdlululo .
Ukuhlaziywa kweDisemba 2017 nguCarron Nicks.