Ziziphi iimali ezihlawulwayo?
Ngomfutshane, izibophelelo ezihlawulisiweyo ziyimali omele uyenze kwixesha elizayo ezifakwe kwi-bhalari yakho yebhanki. Masithathe le nkcazo kwiindawo ezimbini:
Amatyala aqhubekayo imali yakho ibhadela kwabanye.
Umthwalo unokuba ngumboleko okanye umboleko kwizakhiwo zoshishino. Uxanduva lube lixesha elifutshane okanye ixesha elide. Ngokomzekelo, inxalenye yemboleko efunekayo phakathi konyaka ixeshana, kodwa lonke ixesha elide lide lide.
Kwi-accounting, iimfanelo eziqhelekileyo zihlawulwa ngeakhawunti . Ezi zixa-mali oza kuthenga ngazo ezingekahlawulwa. Ngokomzekelo, ukuba uthengisa iimpahla zeofisi kwi-ofisi yokugcina iofisi kwaye uhlawula ezo zinto kwi-akhawunti yakho kule venkile, udala i-akhawunti ehlawulwayo kuloo mali.
Xa kukho into eyongeziweyo ithetha ukuba iqokelela. Kwimiqathango yokuphendula, ukuba imbopheleleko ityala ithetha ukuba ityala kufuneka lihlawulwe ngenye imini ezayo. Ngoko amatyala amaninzi aqokelelwa ngexesha elifanelekileyo kwaye ayahlawulwa ngamaxesha athile. Umzekelo ongekho-accounting-mali wokuba i-accrual kukuba umqeshwa unako ukunyuka (ukuqokelela) ixesha lokugula inyanga nganye.
Iimfanelo ezifunyenweyo zisebenza ngendlela efanayo ne- accounting account , apho ingeniso kunye neendleko ziyabonwa kwiinkcazo zemali zoshishino ngelixa ukuthengiswa kukugqibela, kungekhona xa utshintsha utshintsho.
Ziziphi ezinye zeZibonelelo zeMatyala eziThatywayo?
Iintlobo ezimbini eziqhelekileyo zamatyala ahlawulwayo iintlawulo zentengiso ezihlawulwayo kunye neerhafu zerhafu ezihlawulwayo. Ziyakhula ngenxa yokuba iimali ziqokelelwa ngexesha, ngoko zihlawulwa. Ezi ntlawulo zidalwe kwiintengiselwano ezithile, xa irhafu yokuthengisa iqokelelwa kwaye xa iintlawulo zerhafu zithintwa okanye zithathwe kumvuzo wokuqeshwa.
Iintlawulo zerhafu zerhafu nazo zidalwe kwiimicimbi zoshishino lakho ukuhlawula irhafu ye-FICA ( intela yoKhuseleko lweNtlalo kunye noTyardare) kunye nezinye iirhafu zengqesho .
Intlawulo yentlawulo ehlawulwayo. Xa ishishini lakho lithengisa into ehlawuliswayo okanye inkonzo, kufuneka uqokelele irhafu yentengiso , ke kufuneka ubike iingxowa eziqokelelwayo kwaye wenze iintlawulo kwiSebe lakho rhafu rhafu. Ukuba usebenzisa i-intanethi ye-accounting okanye i-accountant, imali nganye yentela ifakwa kwi-akhawunti yentlawulo yeNtengiso ukuhlawula.
Umtsalane olula werhafu yokuthengisa eyongeziweyo inokuthi ibonakale njengale:
- Isinyathelo A: Uqokelela i-$ 13.40 ukusuka kumthengi kwerhafu yokuthengisa kwento oyithengisayo.
- Isinyathelo B: Njengoko awuzange uyihlawule le mali, isofthiwe yakho yokubhaliweyo ibhalela le $ 13.40 njengemfanelo ethe xaxa-Intlawulo yokuThengwa.
- Inyathelo C: Xa uhlawula le mali kwi-arhente yakho yokurhoxiswa karhulumente, ithathwa kwiiNtengiso zeNtengiso Iakhawunti ehlawulwayo kwi-balance sheet.
Iintlawulo zeeNtlawulo zihlawulwa. Njalo xa uqhuba i-payroll kwi shishini lakho, wena:
- Ukungabikho kwemali kunye (mhlawumbi) irhafu yentlawulo yomntu evela kumqeshwa ngamnye
- Ukulahla irhafu ye-FICA kumqeshwa ngamnye
- Yamkela uxanduva lomrhumo we-FICA ngamnye kumqeshwa ngamnye
- Yamkela uxanduva lwezentlawulo zentsebenziswano karhulumente kunye nezentlalo .
Ngalunye lwale mali ludinga i-akhawunti ejongene neemfanelo:
- IRhafu yeNgeniso Yentlawulo ye-Federal (inkokhelo yomqeshwa kunye neyeshishini lakho inxalenye iya kule akhawunti)
- [Igama likaRhulumente] Intlawulo ehlawulwayo
- Irhafu yengqesho ehlawulwayo
Inkqubo echazwe kwerhafu yokuthengisa isebenza ngokufanayo kule nganye yee-akhawunti ezihlawulwa irhafu. Xa i-payroll iyasebenza, amatyala afakwa kwiakhawunti ehlawulwayo. Xa iintlawulo zenziwe, imali isuswa kwiakhawunti ehlawulwayo.
Ezinye iintlawulo kunye neentlawulo ezihlawulwayo. Naliphi na enye inqununu evela kwi-payroll ine-akhawunti ehlawulwayo (ehlawulwayo). Eminye imizekelo:
- Ukukhutshwa komsebenzi weplomelo zempilweni yomqeshwa
- Ukukhutshwa kunye negalelo lomqeshi kwizicwangciso zomhlalaphantsi zabasebenzi (401k, njl.).
- Ukukhutshwa kweminikelo yokunceda, njenge-United Way okanye imali yangaphakathi "yelanga"
Amatyala afakwe njengeTrust Fund Taxes
Iirhafu zentengiso ezihlawulwayo kunye neerhafu zerhafu ezihlawulwayo zibizwa ngokuba yerhafu yengxowa-mali ngenxa yeemali zigcinwe kwithemba lokubhatala kwi-arhente yerhafu kunye nekarhulumente. Ezi mali kufuneka zigcinwe kwiakhawunti eyahlukileyo okanye zigcinwe ngokwahlukileyo ngezinye iindlela ukuze ungazami ukuzisebenzisa.
I-IRS kunye nee-arhente zerhafu zorhulumente zenza iigwebo zentlawulo ye- fund kwiimashishini ezingabhataleli irhafu. Kwimeko ye-IRS, ezi zihlwayo zokufumana izigwebo ziyakunikwa umntu onoxanduva lokuhlawulwa kweerhafu kwaye ngubani "ozenzayo ngokuzithandela ukuziqokelela okanye ukuzihlawula." Umntu onoxanduva unokubanjwa ngokwakhe.
Ziziphi iindawo ezihlawulwe ngamatyala kwiSahluko sokulinganisela?
Ibhajethi yebhanki yakho ibhalisa ifa lakho lezorhwebo kwicala elinye kunye namatyala kunye nokulingana komnini kwenye. Izibophelelo ezifakiwe zifakwe kwicala lasekunene lephepha lesibhalansi. Iimfanelo ezifake ixesha elifutshane (ezo kulindeleke ukuba zihlawulwe ngaphantsi komnyaka) ziboniswa phambi kweemali ezide zesikhathi eside.