Abantu abaninzi boshishino bahlawula irhafu engaphezulu kunokuba bayifunayo ngenxa yokuba baphoswa kwiintengo ezithathiweyo. Nazi ezinye iirhafu eziqhelekileyo eziza kulungelelanisa. Ezi zihlomelo zihanjiswa njengendlela enokufuna ukuyihlola. Uvumelekile ukuba ungafaneleki kuzo zonke ezi zichithwayo okanye ukuncitshiswa kunokuba nemingcipheko kuyo. Ukuba ucinga ukuba unokufanelekela enye okanye ngaphezulu kwezi zihlomelo, jonga ngecandelo lakho lobuchwepheshe beerhafu ngolwazi olungakumbi.
Iindleko zemali emincinci
Imali encinci yintlawulo encinci oyihlawulela imali, njengengxowa yeofisi kwi-ofisi yeofisi okanye yokupaka kunye neerhafu. Ukubamba ezi ntlawulo ezincinci zingongeza kwi- big savings.
Ukuba uneshishini lokuthengisa, ungagcina imali kwiidrodi ukwenza utshintsho. Ukuba unomsebenzi ongeyintengiso, unokufumana imali ngemali ukuhlawula ukuthenga okuncinci. Ukuba ugcina imali kwiofisi, gcina ingqalelo yento oyisebenzisayo.
Kukho nawuphi na umzekelo, indlela yodwa onokuthabatha ukuxhulwa kweerhafu kule nkcitho encinci kukugcina iirekhodi ezilungileyo zazo. Yakha incwadi yelogi kwaye uqinisekise ukuba wonke umntu uyaphawula ixesha, umhla, isixa, kunye noko uthenge. Ekupheleni kwenyanga nganye, yongeza le ntsebenziswano encinci kwinkqubo yakho yokubhala. Uya kumangaliswa ngokukhawuleza kwanezela!
Iindleko zeemoto
Y okanye uvumeleke ngokusemthethweni izindleko zokusebenzisa imoto yakho kweshishini. Kodwa kufuneka ugcine ixesha elifanayo (ngexesha-kwi-log) kwaye ubandakanye ulwazi malunga nenjongo yezoshishino.
I-log iyimfuneko kwizizathu ezibini:
- Ukurekhoda iimitha ezili-5 ukuya kolunye uhambo ukuze ungabonakalisa ezininzi kwezohambo lwakho ngezoshishino (ngokuchasene neenjongo zakho)
- Ukugcina iirekhodi kwixabiso elichanekileyo leendleko.
Kukho iindlela ezimbini zokurhweba iindleko zorhwebo kwiindleko zerhafu yakho: ukutsalwa okuqhelekileyo okanye iindleko zangempela.
Uya kufuneka urekhode zonke iindleko ukwenzela ukuba unqume ukuba yeyiphi indlela efanelekileyo.
Iindleko zokulungiselela amaxwebhu
Iindleko zokulungiselela umqulu kwisicwangciso soshishino okanye isicelo semboleko. Ukuba ishishini lakho lifuna iimboleko kwaye usebenzisa iinkonzo zomcebisi, igqwetha, okanye umgcini-mali ukuba ulungise isicwangciso sezoshishino okanye idatha yezemali, unako ukuzisebenzisa ezi ndleko, nangona ungafumani mboleko. Ngokomzekelo, ukuba ufuna ukufumana amaxwebhu ashicilelweyo kwaye ubophe ezi ndleko zichithwa.
Ukuhlawulwa kweerhafu kunye namanye amaRhafu
Ukuhlawulwa kwentlawulo yintlawulo kunye nomdla kwipropati. Abanye abathwele iirhafu banokudityaniswa xa bengabanjwanga (kubalwa njengeendleko zangexesha elide kwiimpahla eziyinkunzi). Musa ukulibala iirhafu zebhanki, (kubandakanywa irhafu yokuthengisa kule ntengiso), iindleko ze-overdraft, kunye neendleko zezimali ezinganeleyo. Ewe, ezi ziindleko zezoshishino ezisemthethweni.
Uphando kunye neendleko zovavanyo
Iindleko zophando kunye nokulinga ziyakuthi zichithwe xa ukhetha ukuba ungabhalisi njengezindleko ezinkulu (ixesha elide). Ezinye iindleko zophando zinokudityaniswa ngomnyaka omnye okanye ukuxilongwa (ukusasazeka) phezu kwexesha. I-IRS inolwazi oluninzi malunga nendlela yokusingatha iindleko zentlalo nophando. Kukho ezininzi izithintelo kunye neziqinisekiso ezinxulumene nale ncitshiso, ngoko jonga nge-preparer yakho yentela.
Unako ukufumana ilungelo lokuthenga ngetyala ngenye iindleko zophando nophuhliso.
Iindleko zokuQala ukuShishino kunye neNkcitho
Unokuba uvumelekile ukurhola ezinye zeenkampani zakho zokuqalisa ukuxabisa ukuya kwii-5,000 zeeRhafu kunye neendleko zombutho ukuya kwii-5,000 zamaRandi. Ukuba iindleko zakho zokuqalisa okanye iindleko zentlangano zidlula i-$ 50,000, ukuxothwa kwakho kunokuthi kunqunywe. Zonke iindleko zakho zokuqalisa kufuneka ziqulunqwe (zisasazeka ngexesha elide).
Ngokutsho kwe-IRS Publication 536,
Iindleko zokuqalisa zibandakanya naziphi na iimali ezihlawulwe okanye ezenziwe ngokuphathelele ekudaleni urhwebo olusebenzayo okanye ishishini okanye uphando malunga nokudalwa okanye ukufunyanwa kwezorhwebo okanye ishishini elisebenzayo. Iindleko zombutho ziquka iindleko zokudala iqumrhu okanye ubambiswano.
Kuyafaneleka ukuba kugcinwe iirekhodi ezilungileyo kuzo zonke iindleko ezinxulumene nokuqalisa, kuquka neendleko zokuhamba, iindleko ze-intanethi kunye ne-intanethi, kunye neendleko zokusebenzisana nabacebisi.
Ekugqibeleni, kwaye kubaluleke kakhulu:
Iindleko zorhwebo ezahlukeneyo
Iindleko ezihlukeneyo zihlala zinganakwa, kodwa zibalulekile, kuba zongeza. Ezi ndleko zingaba nguwe oza kuzihlawula ephaketheni lakho kwaye ukhohlwe ukuhlawulelwa ngenxa yoshishino. Bangakwazi ukutya kunye nabaxumi okanye abathengi. okanye ukutyelela kwisitolo se-donut ukwenzela intlanganiso, okanye ezinye iindleko ongaqinisekanga ukuba uzahlula njani. Ukwahlula ngokufanayo! Yongeza zonke kwaye ziphumela ekutsalweni okubalulekileyo okufuneka uthathe.