Kutheni ungahlanganisi ishishini kunye neNgxowa-mali
Okokuqala, ezinye izizathu zokuba kutheni akuyiyo ingcamango efanelekileyo yokuxuba iimashishini kunye neemali zabantu:
- Ayiboni ubuchwephesha: Ukuba usebenza nomthengisi okanye umthengi kwaye ukhupha i-checkbook yakho okanye ikhadi lekhredithi ukuhlawula iindleko zoshishino, unika ingcamango yokuba awuyena umnikazi wezoshishino wangempela.
- Ngendlela efanayo, ukungabikho kokuhlukana kuyamemeza "umdlalo" kwi-IRS. Kwaye i-IRS ikhawuleza ukukhanyela ukuxothwa kunye nokulahlekelwa kwezinto zokuzilibazisa. Ukuba ufuna i-IRS ukujonga ibhishini lakho njengemthethweni kwaye kungeyiyo into yokuzilibazisa, gcina ishishini kunye nokwahlukileyo.
- Ukucacisa ngokucacileyo ukuncishiswa kwamashishini kunye nemali engenayo. Ukuba ufuna ukukwazi ukubamba iindleko njengemali echithwayo, kufuneka ukwazi ukubonisa ukuba ezi zihlomelo zenzelwe iinjongo zoshishino. Ukuzama ukuhlenga iirekhodi zakho zangasese ngexesha lokurhafisa lixesha elihle. Ukuthatha iindleko zoshishino kwi-akhawunti yakho yezoshishino ukwenzela ukuba kube lula ukubiza abo bahluthayo.
- Yenza kube lula kwi-IRS. Njengoko kuphawuliwe ngasentla, i-IRS inokuphinda iphicothwe ishishini lakho kwaye inqatshelwe ukuchithwa kunye namashishini alahlekelwayo ukuba awukho ukwahlula ngokucacileyo phakathi kwezoshishino kunye neendleko zakho . Ukuba uneshishini elisekelwe ekhaya , umzekelo, i-IRS inokuthi ingavumeli iindleko zoshishino zasekhaya ukuba zihlukileyo.
Ulwabiwo-Ubude obude
Zonke iintengiso phakathi kwakho kunye neshishini kufuneka zibe "ubude bengalo;" oko kukuthi, iintengiselwano zihluke ngokucacileyo njengeziko lomntu kunye nezoshishino njengeziko. Nantsi imimiselo yendlela oku kusebenza ngayo:
Ukugcina iiAkhawunti ezahlukileyo
Okokuqala, kwaye okubaluleke kakhulu, misela ukwahlula iikopi zoshishino kunye nokusetyenziswa komntu.
Bhala amasheke okuthengwa kwezoshishino kwiakhawunti yezoshishino kunye nokuthengwa komntu kwi-akhawunti yakho. Faka imali yengeniso kwi-akhawunti yezoshishino kunye neengeniso zakho kwi-akhawunti yakho. Yenza okufanayo ngeakhawunti yamakhadi-ngetyala - enye yezoshishino kunye neyodwa yakho - kwaye ungaxubeki iindleko okanye iintlawulo zale akhawunti.
Igalelo leMpahla okanye iCash
Ukuba ubeka imali kwishishini kwimo yepropati okanye imali, uchaza ngokucacileyo indlela imali ekufuneka iqwalaselwe ngayo - njengemboleko okanye njengomnini-mali . Unokukhetha okanye ingeniso-mali okanye utyalo-mali, kodwa qinisekisa ukuba iphepha liphelile kwaye kulula ukubona indlela ukuthengiselana kuthathwa ngayo kwiincwadi zoshishino.
Ukuthatha Imali Yoshishino
Ukuba ungumqeshwa wenkampani, zihlawulele umvuzo ofanelekileyo, ngokusekelwe kwimirhumo efananisiweyo kwezinye izikhundla ezifanayo. Ukuba ungumnikazi wedwa okanye iqabane, ungathatha umdwebo ngokubhala iteksi kuwe kwi-akhawunti yezo shishino.
Ukuqesha indawo
Ukuba usebenzisa inxalenye yekhaya lakho kwishishini, unokuqeshisa indawo kwi shishini lakho. Yenza iphepha lokubonisa le mvumelwano yokuqeshisa, kuquka yonke imimiselo nemiqathango.
Ukuba wenza iNgxaki
Iphutha elithile lithile ngumntu kuphela.
Qinisekisa ukuba uxwebhu lwephutha kwaye uhlele ukuthengiselana kwiirekhodi zeshishini lakho. Umzekelo, ukuba ubeka isheke sakho kwi-akhawunti yakho yebhankini, bhala ityala njengabalingani bentlalo; Ukuba ufuna ukuyibuyisela imali, faka isheke njengomdwebo wobulungisa bomnini wakho.
Ukuba ukhohliwe kwaye uhlawula into ethile ngekhadi lakho lesikweletu, bhala le nto njengotyalo-mali. Qinisekisa ukuba ubhale ngokuchanekileyo iimpazamo kwiirekhodi zeshishini lakho. Ngokubanzi, yonke intsebenziswano phakathi kwakho kunye neshishini kufuneka ibhalwe ngokucacileyo, ngobude bengalo, kunye nengqiqo. Uya kufumana ukuba xa ufumana umkhwa uza kufumana kulula ukwenza.