Zingaki Izibonelo Okufanele Ngizibange Nge-Paycheck Yami?
Kunezizathu eziningi ezihlukahlukene zokulungisa ukugcinwa kwemali yakho yokukhokha , njengokushada, nokuba nengane noma ukuthola umsebenzi omusha. Isimo ngasinye sentela sihluka, futhi udinga ukucabangela ukuthi wena noma oshade naye nizisebenza yini, kanye nezinye izenzakalo ezingashintsha isimo sakho sentela njengokuthenga indlu.
01 Ukuqala Umsebenzi Omusha
02 Ukhokhelwe Izintela Lo nyaka
Kufanele ucabangele ukukhokhiswa kwentela yakho uma ukhokhiswa intela kulo nyaka. Akukho lutho oludumazayo njengokuthi ufuna ukukhokhela imali kwi-IRS ekuqaleni konyaka. Ungalungisa ama-holdings akho ukuze inani elifanele livinjelwe. Ungakwazi ngisho nokucela ukuthi imali eyengeziwe ibambe isikhathi ngasinye sokukhokha. Lokhu kuzokusindisa ukuhlukunyezwa kokuza nemali eyengeziwe ekupheleni konyaka ukukhokha ku-IRS. Uma oshade naye esebenza ngokuziqhenya ungakhetha ukuyeka ngaphezulu ukuze ungakhokhiswa intela.
03 Uthole Ukubuyiselwa Okukhulu
Uma uthola ukubuyiselwa kwemali emikhulu kulo nyaka kufanele ulungise ukuvimba kwakho. Abantu abaningi babheka ngephutha ukubuyiselwa kwemali njengendlela elula yokusindisa imali. Usukhokha imali kuhulumeni futhi ungatholi nzuzo kuwo wonke unyaka. Ungasebenzisa ukuzithiba noma imali yakho idluliselwe ku-akhawunti yokulondoloza. Ukwengeza, uma ufaneleka ukuthola isikweletu seholo lokuthola imali ungathola ingxenye yalokho okukhokhwe kuwe unyaka wonke. Kufanele futhi ucabangele ezinye izikweletu zentela uma unquma ukuthi kufanele ubeke kangakanani.
04 Uqale Ibhizinisi Lakho Uqobo noma Freelance
Uma usanda kuqalisa ibhizinisi lakho noma wena ukuzimela ohlangothini. Ungakwazi ukuzigcina uzisindise ukukhokha intela yakho ngekota ngokukhulisa inani elilondolozwe ekukhokhweni kwakho okuvamile. Uma ngokuyinhloko u-freelancer noma umsebenzi wakho wokuzikhethela uletha okungaphezu komsebenzi wakho ojwayelekile, ungase ucabange ukuqala ukufaka izinkokhelo zentela yokuziqhayisa njalo ngenyanga ukuze ugweme isijeziso. Uma usebenzisa i-IRS yokugodla wokubala uma usebenzela umqashi futhi uziqashile noma wena noma oshade naye uziqashile, uzodinga ukungeza intela yokuqashwa ngokwakho. Uma usebenzisa i-calculator, ayihlanganisi intela yokuziqhafaza ekubalweni, futhi kuzodingeka ukuthi ulinge leyo mali ngokwakho, bese uyifaka ekukhokheni kwentela yakho.
05 Noma yikuphi Umcimbi Omkhulu Wokuphila
Noma yisiphi isikhathi ukuthi unomcimbi oguqula impilo kufanele ulungise ukuvimba kwakho. Lezi zenzakalo zihlanganisa ukushada noma ukuhlukaniswa, nokuba nengane noma ukufa kwelungu elisha lomndeni wakho. Ungashintsha ukuvinjelwa kwakho nganoma yisiphi isikhathi. Ezinye zalezi zenzakalo zihlelelwe, kanti ezinye azikho. Uma nje ubona ukuthi ushintsho luyoba yini ungenza izinguquko, uma nje umcimbi uma kwenzeka uzokwenzeka ngonyaka onjalo werhafu.
06 Indlela Yokulungisa Ukuvinjelwa Kwakho
Uma udinga ukulungisa ukugodla kwakho, uzodinga ukuxhumana nomnyango wakho wemithombo yabantu bese ugcwalisa i-W-4 entsha. Kungase kudingeke ulungise isimo sakho sokuthi uvinjelwe. Ezinye izinkampani zikuvumela ukuba wenze izinguquko ku-inthanethi, kodwa izinkampani ezincane kungenzeka ukuthi ugcwalise ifomu kumuntu siqu. Nakuba ungalandela iziqondiso eziphakanyisiwe kwifomu, ungase ufune ukusebenzisa i-IRS wokubala noma ukhulume ne-akhawunti yakho.
07 Indlela Yokunquma Ukuvinjelwa Okulungile
Uma ungaqiniseki ukuthi yini okumelwe uyigcine kufanele uvakashele ikhodi yokubamba i-holders ku-www.irs.gov. I-calculator izobe ufaka imali yakho engenayo, ukugcinwa kwentela, nolunye ulwazi. I-calculator izokutshela ukuthi udinga kangakanani ukuvinjelwa. Leli thuluzi lingathatha ukucindezeleka kokulinganisa. Ukwengeza, ungabuyela emuva unyaka ukuze uqiniseke ukuthi usendleleni. Ngokuvamile, umqondo omuhle ukuhlola uma ufaka izintela zakho futhi ngo-Agasti noma ngo-Septhemba noma kunini lapho uthola ukuphakama.