Yenza iintlawulo zakho zentlawulo zenyanga nganye ziqikelele lula ngokuhlala unayo imali ebhankini.
Xa uqeshiwe, yonke ixesha lakho lokuhlawula umqeshi uthumela inxalenye yesibonelelo sakho kumatyala aseburhulumenteni kunye neseburhulumenteni ukuhlawula imali, iNkcazo yoKhuseleko lweNtlalo kunye neNtlawulo. Akunjalo, kwi-kontraki eyimfuneko, okanye i-freelancer, okungekho na irhafu egcinwa kuyo.
01 - Abahlaziyi-Freelancers abafuni ukubambelela kuloo mali eyongezelelweyo ixesha elide.
Ngokuqhelekileyo kufuneka ukuba benze intlawulo ehlawulisiweyo yentlawulo , ngokuqhelekileyo ngekota nganye. Kodwa ekubeni ezininzi zeendleko zethu ziza rhoqo ngenyanga, ukwenza iintlawulo zekota zingaphazamisa!
Ukwenza isicwangciso (kunye nokunamathela kuyo) ukugcina kwiirhafu zenyanga kunokukunceda uhlale kumkhondo. Emva koko, ukuba uyasindisa kakhulu, into eyona nto enokwenzeka kakhulu kukuba uhlawule imali enhle yentela!
Skrolela phantsi ukuze ubone iingcinga ezi-4 malunga nendlela onokuqiniseka ukuba uhlale unelungelo lokuhlawula irhafu yakho.
02 - Yenza ukudluliselwa kwenyanga nganye kwi-akhawunti yokulondoloza
Kulo ndlela, uhlahlo lwabiwo lweerhafu njengazo zonke iindleko. Ngokuqhelekileyo xa ufaka irhafu yakho yonyaka, unako ukubala iintlawulo zakho zerhafu ngekota ngonyaka ozayo ngelo xesha. Bala ukuba yiyiphi inyanga oya kuyidinga ukuyigcina ukuze uhlale unelisekile xa iirhafu zenyanga zifanelekile.
Kodwa ekubeni "intlawulo" nganye kwi-akhawunti yakho yokugcina imali, kufuneka uqeqeshwe ngokukwenza ngokwenene. Ukuba awuqeqeshiwe ngokulondoloza kwaye ngokuphindaphindiweyo ukhulula i-akhawunti yakho yokulondoloza, yenza i-akhawunti eyahlukileyo ongayithinti ngaphandle kweerhafu.
Qaphela: Unokukhawuleza ukuhlawula irhafu yakho kurhulumente rhoqo ngenyanga, kodwa ukuphazamiseka kwaloo nto kukuba uvumela urhulumente ukuba abambe imali yakho ixesha elide kunokuba uzenzele umdla. Kwakhona unokufuna ukwenza iintlawulo ezimbini ngenyanga - enye kurhulumente wephondo kunye nomnye kurhulumente karhulumente.
03 - Dlulisa ipesenti yentlawulo nganye kwi-akhawunti yokulondoloza.
Ukuba ingeniso yakho yokuqeshisa ingaphantsi, ukutshintshwa kwepesenti yentlawulo nganye kwi-akhawunti yokulondoloza kunokusebenza ngakumbi kunexabiso lenyanga. Nangona kunjalo, qiniseka ukuba uyadlulisela okwaneleyo. Khumbula ukuba uza kufuneka uhlawule irhafu yerhafu yonyango (i-Social Security and Medicare) malunga neepesenti ezingama-15, ukwenzela ukuba kunye nantoni na ifomenti yakho kunye nombuso (ukuba kukho) irhafu yerhafu yengeniso ngumlinganiselo omhle wokuwayeka.
Unokuthi uthathe iinqununu ezokunciphisa ingeniso yakho yerhafu kunye neerhafu ngexesha elide, kodwa kuxhomekeke kwindlela obeka ngayo inkqubo yokuhlawula, unakho ukuhlawulwa kweerhafu kwikota xa imali yakho engenayo iphantsi okanye ayikho. Ngoko kungcono ukulahla ngaphezu kokufunayo, kunokuba ngaphantsi.
04 - Yenza imali yakho yokubuyisela irhafu kwi-tax year year.
Esi sicwangciso sinciphisa iirhafu zakho ezilinganisiweyo ngekota, okwenza kube lula ukwenza ezo ntlawulo. Kodwa khumbula, uvumela urhulumente ukuba abambe imali yakho ngonyaka. Kwizicwangciso ezimbini ezidlulileyo owawunomdla kwimali yakho. Akunjalo apha. Nangona kunjalo, ukuba ungekho mthethweni malunga nokulondoloza, le nto ingaba yindlela ekhuselekileyo yokuhamba.
05 - Yenza irhafu yengeniso egcinwe kuyo enye ingeniso yengqesho.
Ngokufanayo, ukuyeka imali eninzi yerhafu evela kuyo nayiphi na ingeniso yempatho yokuba wena-okanye iqabane lakho-ufumana i-rhu lumente ufumana ukugcina imali yakho. Kwaye ukuba uthe wahlawulwa imali eninzi i-federal okanye urhulumente wakho, kunokufuneka ukuba wenze irhafu yenyanga.
Nangona kunjalo, le nto ingaba yindlela engenabuhlungu "yokugcina" irhafu. Xa ugcwalisa i- W-4 yakho , unokulungelelanisa ukuxolelwa kwakho ukwenzela ukuba unqatshelwe okanye ungatsho nje umlinganiselo owongezelelweyo onokuthintela ekuhlawuleni kwakho. Akunandaba nokuba le paycheck ayifumanekanga njengekontrakta elizimeleyo. Xa ucinga ukuba ungaphila, ungalibali loo ntlawulo yerhafu. Xa usuqeshwe ngabasebenzi, bakhokhelwa irhafu yengeniso yakho (ngokungafani nentsingiselo apho bephuma khona ngokwahlukeneyo njengerhafu yokuhlawula) ukwenzela ukuba ukugodla okunye kuya kubakhokelela.
Ukuzikhusela
Andiyena ummeli werhafu, iCPA okanye ulungelelwaniso lwerhafu. Ingcaciso apha ichazwa njengesikhokelo esiqhelekileyo. Imibuzo ethile malunga neentlawulo zakho, nceda ubhekise kwiimpapasho ze-IRS okanye uqhagamshelane neengcali zerhafu.