Ngiyifaka kanjani intela uma ngikhokhelwa ngokheshi? .
Noma ngabe ukhokhelwa ngokukhokhelwa, ukudluliswa kwemali okuqondile, noma ukheshi, ubophezelekile ngokomthetho ukuthi ukhokhe izintela zikahulumeni nezikahulumeni. Ngenkathi abanye osomabhizinisi bekhetha ukukhokha imali yabo abasebenzi bemali Ukugwema ukukhokha ezinye zezintela zakho zokuhola unyaka nonyaka, lokhu kuwumkhuba onobungozi nemiphumela emibi yezezimali.
Futhi, abasebenzi abaningi abathola amathiphu noma abathola ingxenye yomholo wabo ngokheshi bangabika ngaphansi kokuhola kwabo. Abanye ababiki ngisho nokuhola okuphelele.
Uma ungumnikazi webhizinisi lakho futhi uthola iningi lemali yakho engenayo ngokheshi, kuzodingeka uqashe i-accountant ukuze ikusize usungule uhlelo olufanele lwentela. Ngokuya ngosayizi webhizinisi lakho nobubanzi bokusebenzelana kwakho, kuzodingeka ukuthi ufake ne-LLC noma wakhe inkampani eyi-S. Kunobuhle nobubi kuyo yonke inkambo yokwenza.
Uma ungumqashwa onemali ethola iningi lomholo wakho ngokheshi, kufanele ucele umqashi wakho indlela engcono yokufaka intela yakho. Izindawo zokudlela eziningi zinohlelo lwekhompyutha oluzokuvumela ukuthi ufake inani lamathiphu wemali ofisa ukuwafuna ukuthi akhokhiswa intela.
Uzokuphinda lo msebenzi ngaphambi kokuphela kwesikhathi sakho ngasinye. Uma uthola amathiphu njengesisebenzi sokupaka i-valet noma inqola yegalufu futhi ungenalo ikhono lokufuna amathiphu akho ngogesi, gcina umkhondo wemali yakho oyitholayo unyaka wonke bese ubhala inani eliphelele ku- Ifomu 1040 lapho ufaka intela yakho yonyaka.
Uma uhola yonke inkokhelo yakho yemali futhi ungatholi ifomu le-W-2 kumqashi wakho, kuzodingeka ucele ifomu le-1099-MISC kumqashi wakho noma kumhlinzeki onenkontileka ekupheleni konyaka wentela. Uzosebenzisa le-1099-MISC ukufaka imali oyitholile njengosonkontileka ozimele noma oyitholile njengenzalo noma izinzuzo.
Umqashi wakho noma umhlinzeki onenkontileka kufanele alandelele inani abakukhokhela kulo unyaka wonke. I-IRS ibeka izinhlawulo ezinzima emabhizinisini ahluleka ukubika izinkokhelo ezifanele eziyi-1099 ezingaphezulu kwama- $ 600 kubasebenzi ngabanye.
Uma ungatholi i-1099-MISC evela kumqashi wakho maphakathi noFebhuwari ngemuva kokuphela konyaka wentela okukhulunywa ngawo, xhumana nenkampani bese uyayicela. Ungadinga ukukhumbuza abaphathi bakho ngemiphumela yokungafaki intela.
- Akukho emthethweni ukukhokha umuntu ngokheshi, kodwa akukho emthethweni ukumkhokhela ngaphandle kokulandela umholo nokukhokha intela kuwo.
- Uma ungumsebenzi, kufanele ulindele ukuthola i- W-2 kumqashi wakho ngesikhathi sokubuyiselwa kwentela; Uma ungusonkontileka ozimele okhokhelwe ngaphezu kwama- $ 600, kufanele ulindele ukuthi i- a 1099-MISC .
- Uma ungayitholi le mibhalo, gcina umkhondo wemali engenayo bese uyiqopha njengemali engenayo ehlukahlukene kuFomu 1040, uHlelo C.
Wazi umehluko phakathi kokukhokhelwa ngokheshi nokukhokhwa ngaphansi kwetafula
Okokuqala, kufanele uqaphele ukuthi ukuthola inkokhelo yemali akuyona into engekho emthethweni, kepha ukuthola inkokhelo ngaphansi kwetafula kuyinto.
Uyini umehluko? Yebo, ukukhokhwa ngokheshi ngokusobala kusho ukuthi bazokukhokhela ngezikweletu zomzimba ze-dollah dollah. Kepha lokhu kusengathathwa njengokusemthethweni uma umqashi wakho ehambisana nemithetho yezabasebenzi futhi alandele kahle izinkokhelo zakho ngezinjongo zentela. Lokhu kusho ukuthi uma ukhokhelwa, kufanele bagcine irekhodi futhi, kuya ngokuthi uluhlobo luni lomsebenzi (okuningi kulokho ngomzuzu), bayigodle intela futhi bakhokhe intela yabaqashi, njengeSocial Security neMedicare.
Ukukhokhelwa ngaphansi kwetafula kusho ukuthi ukhokhelwa ngokheshi futhi umqashi wakho akagcini umkhondo, mhlawumbe ngoba uzama ukonga imali nesikhathi ngokungazenzi zonke lezo zinto.
Uma uqala umsebenzi omusha futhi wazi ukuthi uzokhokhelwa ngokheshi, buza umqashi wakho ukuthi bazokubheka yini imali yakho engenayo futhi bayigodle intela. Lokhu kuzokusiza uqonde ukuthi bangaphezulu kwebha noma cha, futhi kuzokusiza wazi ukuthi ungazilungiselela kanjani. Uma usola ukuthi umqashi wakho uyakukhokhela ngaphansi kwetafula, ungahle uthande ukukukhumbuza ngemiphumela engaba khona (yize ngiyaqonda ukuthi lokhu kungaba nzima lapho uqala umsebenzi omusha!).
Qonda ukuthi uluhlobo luni lomsebenzi
Ukwazi ukuthi uthathwa njengosonkontileka ozimele noma umqashwa kubalulekile ekunqumeni ukuthi ngubani okufanele agodle intela yakho nokuthi yimaphi amadokhumenti okufanele alindelwe lapho kufika isikhathi sentela.
Yize le kuyindawo empunga kancane (futhi uma ungenasiqiniseko, akulimazi ukubheka nge-accountant), kuvame ukwehla ekutheni inkampani ilawula kangakanani isikhathi sayo futhi iwenza kanjani umsebenzi wayo.
Uma inkampani ithi uwenza nini, kuphi futhi kanjani umsebenzi wakho, ikunikeza ngamathuluzi owadingayo ukuze wenze umsebenzi, ikunikeze noma yiluphi uhlobo lwezinzuzo zabasebenzi (njengamaholide akhokhelwayo), futhi ikunikeze umsebenzi oqhubekayo okungowakho umthombo oyinhloko wemali engenayo. , mhlawumbe ubhekwa njengesisebenzi se-IRS. Isibonelo, noma ngabe umsebenzi we-waitress uyitoho, kungenzeka ukuthi usabhekwa njengesisebenzi ngoba umqashi wakho ukutshela ukuthi kufanele ube nini emsebenzini futhi uyalela ukuthi kufanele uwenze kanjani umsebenzi wakho.
Uma uthatha isinqumo sokuthi uzowuqedela nini futhi kanjani lo msebenzi, nikela ngamathuluzi akho nezinto zokwakha, futhi ube nethuba lokuheha amaklayenti amaningi, cishe ungusonkontileka ozimele.
Nobabili ningakhokhelwa ngokheshi ngomsebenzi wenu, kepha uma ungumsebenzi, umthwalo omningi wehlela umqashi ukuthi afake futhi agodle intela, kuyilapho uma ungusonkontileka ozimele, lowo mthwalo wehlela kuwe. (Kufaka phakathi intela yekota inkokhelo njengoba imali ingagodliwe unyaka wonke).
Gcina umkhondo wemali engenayo yemali unyaka wonke
Akunandaba ukuthi uluhlobo luni lomsebenzi, qiniseka ukuthi ulandelela ngokucophelela imali engenayo yemali unyaka wonke. Lokhu ikakhulukazi Kubalulekile uma ucabanga ukuthi umqashi wakho akalandeleli ngokunembile noma uzama ukubaleka ngokukhokha ngaphansi kwetafula.
Lokhu kungaba lula njengokugcina ispredishithi ukulandelela imali yakho engenayo njalo uma uyithola. Ngincoma ukubhala phansi usuku, okhokhelwe ngubani nemali.
Uma ungumsebenzi ohola imali yakho eningi etholakalayo ngamathiphu, umqashi wakho kufanele akufune ukuthi ukulandelele futhi ukubike, njengoba kudingeka i-IRS. Bona ukuthi umsebenzi wakho unohlelo lwe-elektroniki lokubika iziphakamiso ekugcineni kweshifu ngalinye. Uma kungenjalo, khuluma nomphathi wakho ngokuthi bayiphatha kanjani imibiko yanyanga zonke. Uma bengenzi lutho, landela wena. Yebo, kuyacasula kancane, kepha kuyacasula kunokucwaningwa amabhuku.
Cela umqashi wakho i-W-2 noma i-1099-MISC
Uma kuziwa esikhathini sentela, kufanele ulindele ukuthola i-W-2 kumqashi wakho uma uthathwa njengomsebenzi, noma i-1099-MISC uma uthathwa njengosonkontileka ozimele futhi ukhokhelwe imali engaphezu kwama- $ 600 ngasikhathi sinye . phakathi nonyaka, uma ukhokhelwa ngemali, isheke noma ukudluliswa kwemali ebhange.
Kufanele uthole lawa mafomu onyakeni olandelayo wentela ngoJanuwari 31. Uma ungabatholi, lesi kungaba esinye isikhathi esihle sokubuza umqashi wakho futhi ngomusa ubakhumbuze izinhlawulo zokungalandeleli nokugcwalisa kahle.
Uma umqashi wakho esamelana futhi ekuphika lawa madokhumenti, ungacabanga ukuya kwa-IRS uyobazisa ukuthi kukhona okusolisayo okwenzekayo, kepha ngincoma ukuthi ngiqale ngihlole i-accountant kuqala ukuze ngiqiniseke ukuthi okwenzekayo akukho emthethweni ngempela. Kepha futhi ungakhetha ukuhlala uthule futhi ungangeni kulolo hlaka, kuyaqondakala! Akunandaba, banenye inketho eyodwa yokuqinisekisa ukuthi abathathi ukuwa nabo.
Bika imali yakho engenayo njengemali ehlukile
Noma umqashi wakho enqaba ukubika kahle lezi zinkokhelo, kufanele ubike leyo mali ngokwakho ukuze uma kwenzeka ungena enkingeni, ukhombise ukuthi ukhokhe intela yakho ngokufanele.
Ngenhlanhla yakho, ikwenze kwaba lula kuwe ngokugcina umkhondo wemali yakho engenayo unyaka wonke. Leli fayela futhi njengemali engenayo ehlukahlukene kusetshenziswa Ifomu 1040, uHlelo C .
Okuqukethwe