Ungayenza Kanjani Intela Isikhathi Sokuqala. Ukugcwalisa izintela okokuqala kungaba yingcindezi. Kepha ukuhleleka kungakudambisa ukukhathazeka kwakho. Ukwazi ukuthi imiphi imibhalo nezinto ozozidinga indawo enhle ongaqala ngayo, ikakhulukazi uma ukhathazekile ngokushiya imininingwane ebalulekile. Uma ulungiselela ukuqedela ukubuya kwakho kwentela, nakhu ukuwohloka kwemibhalo ozodinga ukuyiqoqa.
1. Amafomu wemali engenayo
Ukuqedela ukubuyiswa kwakho kwentela, uzodinga ukukhipha wonke amafomu entela akhombisa ukuthi uhole malini ngonyaka odlule. Uzodinga ukuphendula ngayo yonke imali yakho engenayo ekhokhiswayo, kufaka phakathi imali engenayo evela ekuzisebenzeleni, izinzuzo zokungasebenzi, kanye nanoma iyiphi inzalo oyitholile ku-akhawunti yokutshala imali noma yokonga.
Uma ngabe waqashwa ngonyaka wezimali owedlule, imininingwane yakho yeholo nomholo izovela ku ifomu W-2 . Imali engenayo evela kwinzalo, izinzuzo, noma ukuzisebenza kubikwa ku Ifomu 1099 . Noma ngubani okhipha la mafomu kufanele awathumele ngeposi ekupheleni kukaJanuwari. Ngakho-ke, kuzodingeka unake ibhokisi lakho lemeyili.
Lapho uthola ifomu le-W-2 noma le-1099 , kuwumqondo omuhle ukuyibuyekeza futhi uqiniseke ukuthi imininingwane yakho yangasese ilungile. Ungase futhi ufune ukufanisa imali engenayo ebikiwe kumafomu akho entela nalokho okuvele kumholo wakho wokugcina wonyaka (noma amarekhodi akho uma uzisebenza).
Qaphela ukuthi IRS uthola nekhophi yanoma iyiphi i-W-2 noma i-1099 oyitholayo. Ngakho-ke, kubalulekile ukuthi uqinisekise ukuthi konke okulawo mafomu kunembile.
2. Isitatimende somnikelo se-IRA
Uma wonga imali kwi-akhawunti yomuntu ngamunye yomhlalaphansi ( IYA KU ), kunezizathu ezimbili ezinhle zokuba nemibhalo ekhombisa ukuthi unikele ini ngesikhathi sentela. Okokuqala, ungadonsa eminye noma yonke iminikelo yakho yonyaka. Ngonyaka wentela, ngabe ugcine kuze kufike ku- $ 5,500 ku-IRA yendabuko (noma ku- $ 6,500 uma uneminyaka engama-50 noma ngaphezulu). Noma imiphi iminikelo oyenzayo ngomhla wokugcina wokufaka intela ka-Ephreli nayo ingadonswa.
Abasindisi abafaka isandla kwiRoth IRA bangaqoqa isikweletu seSaver. Izikweletu zinciphisa isikweletu sakho sentela sonyaka wedola. Ngonyaka wentela ka-2016, ungafaka isikweletu sentela ukuze ugcine u- $ 2,000 uma ungashadile (noma ufike ku- $ 4,000 uma ushadile ufaka ukubuyiswa kwentela okuhlangene). Ikhono lakho lokufuna isikweletu lixhomeke kumholo wakho ophelele osulungisiwe.
3. Amarisidi wezindleko ezidonswayo
Ukudonswa kwemali kunciphisa umholo wakho ongakhokhiswa unyaka. Banganciphisa inani lentela olikweleta noma bakhuphule inani lembuyiselo yakho. Ungakwazi ukukhipha into eyodwa noma ngaphezulu ekubuyiseleni intela:
- Ukufundiswa Nemali
- Inzalo yemalimboleko yabafundi
- Inzalo yemali mboleko
- Izindleko zokuhambisa
- Izindleko zokusesha uJobe
- Izindleko zebhizinisi ezingabuyiselwa
- Izindleko zokuhamba ngezebhizinisi
- Iminikelo yokusiza
- Izinkokhelo zomshuwalense wezempilo uma uzisebenza
- Izindleko zokwelashwa
- Izintela ezithengiswayo noma izakhiwo
Kwezinye zalezi zindleko, ezifana nemalimboleko yabafundi noma inzalo yemalimboleko yendlu, uzothola ifomu lentela ngeposi. Ukuze ufune okunye ukukhishwa, kuzodingeka ugcine ithrekhi yamarisidi akhombisa usuku lwezindleko, inani, ukuthi ikhokhwe kubani, nokuthi yenzelwe ini. Ngaphandle komzila ofanele wephepha, ungangena emanzini ashisayo uma i-IRS ithatha isinqumo sokuhlola ukubuya kwakho.
Phinda uhlole ukubuyiswa kwakho kwentela
Lapho usuqoqe wonke amadokhumenti akho, ungaqala ukufaka izinombolo ekubuyiseleni kwakho intela. Kungakhathaliseki ukuthi uthatha isinqumo sokufaka intela yakho ngekhompyutha noma ephepheni, kuzodingeka uqinisekise ifomu lakho lentela ngaphambi kokulihambisa. Ukubala ngokungeyikho noma ukubeka iphoyinti ledesimali endaweni engafanele kungonakalisa yonke imbuyiselo yakho yentela.
Amathiphu wokufaka intela okokuqala
Awukwazi ukuqonda ngokugcwele izinto eziningi ezibalulekile empilweni uze uzenze okokuqala: gibela ibhayisikili, uthole umsebenzi wakho wokuqala, futhi wenze intela yakho.
Ukugcwalisa ukubuyiswa kwakho kwentela kungenye yalezo zinkonzo zabantu abadala ezingabonakala zimbozwe yimfihlakalo uze uhlale phansi ukufaka ifayela okokuqala ngqa.
Izindaba ezimnandi ukuthi ukufaka izintela okokuqala ngqa ngokuvamile akunabuhlungu. Umalume uSam angagcina aze akukhokhele!
Inqubo yentela engenayo empeleni iqala ngosuku lwakho lokuqala lomsebenzi, lapho ugcwalisa ifomu le-W-4.
Ifomu lifaka nephepha lokusebenzela lapho ungatshela khona ulwazi oluyisisekelo, njengokuthi ushadile noma unabantu obondlayo, bese uthola ukuthi ungazifuna kanjani izibonelelo.
Ngokuya ngale nombolo, umqashi wakho uzogodla imali kumholo wakho ngamunye, ozobhekela intela yakho engenayo.
Ungacela ukuthi imali eyengeziwe ibanjelwe isheke ngalinye uma ulindela ukukhokhiswa intela engaphezu kokujwayelekile ozodinga ukuyikhokha.
Yebo, intela yemali engenayo iqoqwa unyaka wonke, hhayi nje ngo-Ephreli 15.
Ukugcwalisa amafomu entela kungenye yezindlela zokuhlala no-Uncle Sam. Uma ungagodlanga intela eyanele emalini oyikhokhile phakathi nonyaka, kungadingeka ukhokhe ibhalansi, kodwa uma ungakhokhanga, uzobuyiselwa imali.
Kuthiwani uma usebenza ngokuzimela?
Kwabaningi abazisebenzelayo, impendulo inguyebo.
Uma usonkontileka ozimele noma umnikazi webhizinisi elincane kuphela, kufanele ukhokhe intela elinganiselwa njalo ngekota.
Esikhundleni sokuthola i-W-2, abantu abazisebenzayo bathola iFomu 1099-MISC kunoma yiliphi ikhasimende lebhizinisi elihlinzeka ngesinxephezelo esingewona umsebenzi. Kepha iyiphi i-IRS Form 1040 okudingeka uyifayele?
Kuya ngobunzima besimo sakho sentela:
- I-1040EZ ingeyabakhokhi bentela abangashadile abangaxhomekeki futhi abanayo imali-mboleko efisa ukufuna ukudonswa okujwayelekile.
- I-1040A ingeyabantu abangashadile noma abashadile abanomuzi, abanabantu abathembele kubo, futhi abafuna ukufuna izikweletu ezithile noma izinciphiso zentela, kodwa futhi abafuni ukufaka entweni konke ukuncishiswa kwabo.
- U-1040 ungowabantu abanamabhizinisi abo, abanemali engenayo yokuqasha, noma abafuna ukukhipha izintwana.
Gwema la maphutha wokufaka intela
Ama-Newbies kanye namafayili entela angomakad 'ebona enza amaphutha afanayo angabambezela ukubuyiselwa kwemali yentela noma aqale ukucwaningwa okwethusayo kwe-IRS.
Ungalethi . Uma uyifayela elilodwa futhi uzuze ngaphezu kwe- $ 12,200 ngo-2019, kufanele ufake ifomu lentela. Uma ungafaki, hhayi kuphela ukuthi kunezinhlawulo ezingaba khona, kepha ungalahlekelwa nayimbuyiselo uma umqashi wakho egodla intela yemali oyikhokhayo.
Faka ifomu lokubuyisa ngaphandle kokuba nemibhalo edingekayo. Uma ungabiki iholo lakho nezindleko zakho kahle, ungagcina ukhokha ngaphezulu noma ngaphansi kunalokho okufanele ukwenze.
Okubi kakhulu ukuthi uma i-IRS ikucwaninga futhi ithola iphutha kuzintela zakho, ungakhokhiswa inhlawulo eyengeziwe engama-20% ngaphezu kwanoma iyiphi intela oyikweletayo.
Ukwehluleka ukufaka ifayili ngaphansi kwesimo esifanele . Ukugcwaliswa ngaphansi kwesimo esingalungile kungabiza. Isibonelo, uma ungumzali ongayedwa onengane ethembele kuye, kungahle kungabi kuhle ukufaka ifayili ngaphansi kwesimo esisodwa, esinokudonswa okujwayelekile kwe- $ 12,200. Uma ufanelekela ukuba yinhloko yomndeni, uma ufanelekile, uzothola ukuncishiswa okujwayelekile okungu- $ 18,350.
Musa imininingwane lapho ukwazi . Uma uke waba nezindleko eziningi, ukufaka izintwana ezintweni kungaba yindlela ehlakaniphile kunokuhamba ngokudonswa okujwayelekile. Izinto ezifana nezikweletu zezokwelapha, inzalo yemali mboleko, kanye neminikelo yokupha kungangeza kufinyelela kunani elibalulekile lapho ifakwe ohlwini.
Ungabiki yonke imali oyitholayo . Uma wenza imali ngokuxokozela okwengeziwe, ukungabiki imali engenayo kungaholela ezinkingeni nge-IRS, futhi ungahle ungakwazi ukufaka izicelo zezindleko ezihlobene ezinganciphisa inkokhelo yakho yentela. Isibonelo, abashayeli be-Uber bangadonsa izindleko zokusebenza kwezimoto ezifana negesi, uwoyela, umshuwalense, ukulungiswa, nokuningi.
Faka intela uwedwa uma ungaqiniseki ukuthi ungayenza kanjani . Uma ufaka intela ngokungalungile, ungalahlekelwa yimali bese ungena enkingeni nge-IRS. Uma udinga usizo, bheka uchwepheshe - kuyindlela engabizi futhi engenabuhlungu yokufaka intela yakho kahle. Futhi, isoftware yanamuhla yentela yenza inqubo ibe lula.
Okuqukethwe
- 1. Amafomu wemali engenayo
- 2. Isitatimende somnikelo se-IRA
- 3. Amarisidi wezindleko ezidonswayo
- Phinda uhlole ukubuyiswa kwakho kwentela
- Amathiphu wokufaka intela okokuqala
- Kuthiwani uma usebenza ngokuzimela?
- Gwema la maphutha wokufaka intela
- Isibonelo sokwenza ukunikezwa kwekhawunta yokuthenga ekhaya
- Ungabathola kanjani abantu ngenombolo yocingo?
- Ungayivula kanjani i-akhawunti ku-craigslist?
- Ngazi kanjani ukuthi ngine-oda lokudingiswa?
- Uyikhokha kanjani i-Quick Credit card
- Ungaligcwalisa kanjani i-oda lemali le-IRS