Kuthetha ukuthini ukuzisebenzela ?
Ukuba uthabatha imali ngomsebenzi wakho kwaye awuyena umqeshwa, usebenza ngokuzenzekelayo. Awusebenzi kumnye umntu. Usebenza wena, oku kuthetha ukuba nguwe kuphela umntu onokukuxelela ukuba wenzeni.
Kodwa kuninzi kufuneka ukwazi malunga nale nto yokuqeshwa:
Indlela abantu abaqeshwe ngabanye abahlawulwa ngayo kwaye bahlawulwa irhafu
Umehluko omkhulu phakathi kokuqeshiswa komnye umntu kunye nokuzimelela kukuba awufumani umvuzo.
Oku kuthetha ukuba ngoku kufuneka ujongane nemiba emibini yentela engayi kuphathwa ngumqeshi:
1. Awuyi kubakho irhafu yengeniso egcinwe kwi-paycheck yakho. Ukucinga ukuba ishishini lakho liya kuba luncedo ukusuka ekuqaleni (ukucinga ngokufanelekileyo, ndiqinisekile), kuya kufuneka uhlawule irhafu yengeniso kwiprojethi, ngokwefom yezomthetho oyikhethile. Ukuba ungumnikazi wedwa (ubungakanani benkampani yobunini obungagqibekanga ukuba awukhethi omnye uhlobo lweshishini) uya kuzalisa iShedyuli kwi-1040 yakho. (Funda iSahluko 7 ngencoko yerhafu yakho.)
2. Awuyi kulwabelana neendleko zeNtlalo noKhuseleko lweNtlalo kunye nomqeshi . Uya kufuneka uhlawule inani elipheleleyo leerhafu, ebizwa ngokuthi " irhafu yerhafu, " esekelwe kwinzuzo evela kwishishini lakho. Ukuba awuyi kuzuza inzuzo ngonyaka, awuyi kuhlawulwa irhafu yerhafu. Ukuba wenza, tshela, inzuzo ye-R10 000, uza kuhlawula irhafu yerhafu yokuqeshisa.
Ireyithi yerhafu yokuqeshwa yonyango yangoku (ngo-2007) yi-15.3%, ngoko ke loo mali inzuzo ye-R10 000 uza kuhlawulwa i-1,530 yeerhafu kwerhafu yengqesho. Isilinganiso sineziqendu ezimbini: 12,4% zokhuseleko loluntu (inshorensi yobudala, inshuwalense kunye nokukhubazeka) kunye no-2.9% kwi-Medicare (inshuwalense yezobisi).
Unokukrazula isahlulo sesibonelelo sakho sokuhlawula isibonelelo sakho, kodwa uya kufuneka uhlawule imali epheleleyo yerhafu, ngaphezu kwerhafu yengeniso ohlawulwayo.
Ukuziqhelanisa nomsebenzi ngokuqeshwe: Olunye ulwahlulo lwerhafu
Nantsi enye ulwahlulo olubalulekileyo phakathi kokuqeshwa kunye nokuziqhelisa, ukusuka kumbono werhafu:
Njengomqeshwa, ufumene ifom ye-W-2 ngamnye ngonyaka ubonisa imali engenayo engenayo engenayo kunye nolunye ulwazi. Njengomntu oqeshwe ngabanye owenza umsebenzi kwabanye, ufumana ifom 1099-MISC kunoma ubani na ohlawule ngaphezu kwe-$ 600 ngonyaka. (Ngendlela, ngenxa yokuba awuzange uhlawule i-$ 600, akuthethi ukuba uyakulibala ngemali engenayo; YONKE ingeniso kufuneka ibhengezwe.)
Abantu abazizimeleyo njengemibutho esemthethweni
Xa usebenza ngokuzimeleyo, awunalo ukhuseleko olunikezelwa abasebenzi. Abasebenzi banemfanelo ethile xa izenzo zabo zilimaza abanye, kodwa kuphela xa zihamba ngaphaya kwemida yengqesho yazo. Ngokomzekelo, ukuba umqeshwa unobungozi umonakalo kumthengi xa eqhuba umsebenzi wakhe, unokuba nemfanelo ethile, kodwa umqeshi wakhe unemfanelo enkulu kwaye udlalwa nguye.
Enye indlela abanikazi bezentengiselwano abaqeshwe ngabasebenzi banciphisa uxanduva lwabo ngokwenza iComputer Liability Company (LLC) okanye iqumrhu. Ukuba unomdla malunga nokunyaniseka, unokufuna ukuthetha nommeli malunga nokuba ngumbutho onoxanduva lokuzibophelela.
Ukususela ekubeni usomashishini ngokwenene, qiniseka ukuba uyayiqonda le ntlawulo yerhafu kunye nezomthetho yokuzibandakanya.