Ungasebenzisa kakhulu inkokhelo yakho ngokusebenzisa izinzuzo zomsebenzi ezinikezwa umqashi wakho.
Nciphisa Income Yakho Ekhokhwayo Ngokusayina Izinzuzo
Uma ubhalisela izinzuzo ezinikezwe umqashi wakho, unganciphisa imali engenayo engenayo futhi wenze imali yakho iqhubeke. Kubalulekile ukucabangela ngokucophelela lokho okubhalisela khona nokuthi kungathinta kanjani isithombe sakho sentela. Ungamangala ngalokho okutholayo. Izinto ezifana nomshuwalense wakho wezempilo, iminikelo yokuthatha umhlalaphansi, kanye nama-akhawunti asetshenziselwa ukuchithwa kalula kungasiza ukunciphisa imali engenayo engenayo. Uma usebenzise umlinganiso womqashi wakho, ungakwazi ukwandisa iminikelo yakho yomhlalaphansi ngaphandle kokukhokhiswa intela kubo. Ezinye izinzuzo ezifana nokuthenga i-pass-cost cost pass is hhayi tax deductible. Ungahlola nesiphathimandla sakho sezinsizakalo zomuntu ukuze uqiniseke ukuthi lezo ozicabangayo zikhokhiswa intela. Kubalulekile ukubuyekezwa izinzuzo zakho ngonyaka ngonyaka wokubhalisa okuvulekile njengoba isimo sakho sishintsha.
Linganisa ukuvinjelwa kwakho ukuze ubone Ukugcina Kwakho
Njengoba ucabanga ukuthi yiziphi izinzuzo zokubhalisela, ungase uzizwe ungeke ukwazi ukuzikhokhela. Kodwa-ke, uma uhlola umbala wokubala wokukhokha, ungase umangale ukubona ukuthi amaphrimiyamu akho omshuwalense neminikelo engu-401K ayithinti ngempela ukukhokha kwakho okuningi.
Lokhu kungenxa yokuthi inani okhokhisiwe ngalo liyancipha, ngakho-ke intela oyikhokhela nayo iyancipha.
Thatha Inzuzo Yezinzuzo Zakho Ukwandisa Ukugcina Kwakho
Uma ubhalisela izinzuzo, qiniseka ukuthi uzisebenzisa ngokunenzuzo. Umshuwalense weso ungase ube mkhulu, kodwa uma ungalokothi uwusebenzise, uvele ulahle imali. Ngokufanayo, kufanele uqiniseke ukuthi usebenzisa yonke imali ku- akhawunti yakho yokusebenzisa i-flexible . Lokhu kungaba yinkimbinkimbi ngoba kufanele ulinganise inani olidingayo ukuthi ulivimbele inyanga oyisebenzisayo. Uma ungasebenzisi imali kulo nyaka, uzolahlekelwa yiyo.
Sebenzisa Ukufaniswa Komsebenzi Wakho Ukukhulisa Ukugcina Umhlalaphansi
Enye yezindlela ezingcono kakhulu zokwelula imali yakho yokukhokhela ukuthola imali eyengeziwe umqashi wakho azofaka ngayo kuma-akhawunti akho omhlalaphansi esikhundleni sakho. Ngokuvamile lezi zifana nezimali, ngakho-ke kufanele ube negalelo ku-401 wakho (k) ukuze uwamukele. Isibonelo, uma unomlingani womqashi kuze kufinyelele kumaphesenti amathathu emholo wakho, umqashi wakho uzonikeza amanye amaphesenti amathathu uma wenza. Lokhu kuzokuletha iminikelo yakho ephelele kuze kufike kumaphesenti ayisithupha emiholo yakho, futhi impela imali yamahhala. Abanye abaqashi banokuncintisana kakhulu futhi bangase bafike kumaphesenti ayisithupha, okusho ukuthi ngomnikelo wakho uzoba nesamba samaphesenti ayishumi nambili abe negalelo ku-401 (k) yakho.
Ezinye Izindlela Zokunciphisa Inkokhelo Yakho
Ungakwazi ukuyeka ukuhlala kusuka ekukhokheni ukukhokhwa ngokukhokha ngokubeka isabelomali nokulondoloza imali inyanga ngayinye. Setha isikhwama esiphuthumayo, bese usebenza ekuphumeni isikweletu ngokushesha ngangokunokwenzeka. Imikhuba yezimali oyimisile manje izokuzuzisa esikhathini esizayo. Uma ukhokhwa ngekhadi lesikweletu elikhokhelwa ngaphambilini, ungase ubhekane nemali efihliwe ehambisana nekhadi, futhi kubaluleke nakakhulu ukuhlela imali yakho.
Bhalisela i-akhawunti yakho yomhlalaphansi ngokushesha nje uma ufaneleka. Lena umkhuba owodwa oyokusiza esikhathini esizayo. Ungase futhi uqale ukufaka isandla kwi-IRA uma ungafanelekeli ama-akhawunti omhlalaphansi ngokusebenzisa umqashi wakho. Kubalulekile ukuqala ukufaka isandla ekuthatheni umhlalaphansi ukuze ukwazi ukuthatha umhlalaphansi ngokunethezeka. Uma uqala ukutshala izimali ngesikhathi usomhlalaphansi ngokushesha uma uqala ukusebenza, kufanele ukwazi ukulondoloza imali eyanele yokuthatha umhlalaphansi. Zama ukwandisa imali yakho kuze kufike kumaphesenti angaba ngu-15 enzuzo yakho. Ungakwenza lokhu njengoba uvuka ukuze wenze kube lula ukufinyelela lowo mgomo.
Uma umsebenzi wakho omusha unikeza amabhonasi , akufanele uwafake kubhajethi yakho. amabhonasi angahluka kusuka kwikota kuya kweyodwa, futhi ungase ungatholi ibhonasi unyaka ngamunye. Esikhundleni salokho, kufanele udale uhlelo lokusebenzisa isabelomali sakho sebhonasi yakho bese ulisebenzisa ukukusiza ufinyelele imigomo yakho yezimali ngokushesha. Amabhonasi akho angakusiza ukuthi uphume esikhwameni noma ugcine ukukhokhela phansi kwekhaya lakho ngokushesha.
Ukuphuma esikweletini kuzokwandisa ukuthi ungakwenza kanjani ngokukhokha kwakho ekhaya. Uma uhlala ukhuni ukuze uthole izidingo noma ufune amandla amaningi okusebenzisa, ukunciphisa izibopho zakho zenyanga, njengezinkokhelo zesikweletu, uzokwenza lokho. Thatha isikhathi manje ukusetha isabelomali esinikeza imali eyengeziwe ukubeka kuhlelo lwakho lokukhokha isikweletu. Ngokushesha uma unesikolo sikhululekile, ngokushesha uzokwazi ukufinyelela ezinye izinjongo zemali zakho.