Ukutsalwa kweRhafu kuphoswe ngokulula xa ufaka iiRhafu zakho

Ikhowudi yerhafu ibonakala inzima ngakumbi ngonyaka. Ngenxa yoko, kukho ezininzi iifayili zokutsalwa kwerhafu ezifanele ukuba azikhathazi ukuyithatha. Inyathelo lokuqala kukufumanisa ukuba ziyintoni na. Emva koko, unokujonga kwimbuyekezo yakho yerhafu kwaye ubone ukuba kukho nayiphi na kuzo esebenzayo kuwe. Nokuba umbuyekezo wakho werhafu ubonakala ulungile ngqo phambili, ezinye zezi zinciphiso ezongezelelweyo zinokuthi thaca isikali kwaye zijike irhafu oyityalayo ibe yimbuyekezo.

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Iminikelo yesisa ephuma epokothweni

Ukongeza kwimali yokwenyani oyinika imibutho yesisa, unokutsala naziphi na iindleko zokunceda abanye. Umzekelo, unokutsala umgama owuhambileyo ukuze uyisebenzisele isisa imoto yakho ukuba uqhubela umnyhadala we-Girl Scout. Unako kwakhona ukutsala iindleko zezithako ze-brownies ozenzileyo kwintengiso yokubhaka yesisa. Unokude utsale iindleko zokutya okunikelwe ngokuqhutywa kokutya okunkonkxiweyo okwenziwa ngamarhamente afanelekileyo.

Irhafu karhulumente yonyaka ophelileyo oyihlawule

Usenokuba sele uyazi ukuba unokutsala irhafu karhulumente ebanjiweyo kwitshekhi yakho okanye uhlawulwe ngeentlawulo zekota ukuba uziqeshile. Phezu kwako nje oku, abantu abaninzi bayasibetha ngoyaba isibakala sokuba basenokutsala iirhafu zikarhulumente ebebefanele ukuzihlawula kunyaka ophelileyo xa babefaka iirhafu zabo. Ukuba ubutyala irhafu yelizwe xa ubuyifakile kunyaka ophelileyo kwaye wayihlawula, ungayitsala kulo nyaka. Unokutsala nayiphi na imali ebanjwe ngurhulumente okanye eqokelelweyo esebenza kwityala lerhafu likarhulumente langaphambili.

Ukuziphangela irhafu yoKhuseleko lweNtlalo

Ukuba ungumnikazi weshishini lakho kwaye uhlawule esinye isiqingatha serhafu yakho yoKhuseleko lweNtlalo ngokwakho ngendlela yeerhafu zokuzisebenzela, ungawutsala. Wonke umqeshwa, oziqeshileyo okanye hayi, unetyala le-15.3 yeepesenti yengeniso yabo yoKhuseleko lweNtlalo kunye neerhafu zeMedicare. Ngabasebenzi, umqeshi uhlawula isiqingatha sale nto, kwaye umqeshwa uhlawula esinye isiqingatha ngendlela yokutsalwa kwiintlawulo zabo. Ukuba uziqeshile, uhlawula esinye isiqingatha ngokwakho. Ungasitsala isiqingatha ozihlawulayo esiqhele ukuhlawulwa ngabaqeshi.

Ukutsalwa kwetyala leRhafu yeNgeniso efunyenweyo

Ityala leRhafu yeNgeniso eNgenelweyo (EITC) lityala kwiirhafu ozityalwayo ngokusekelwe kumvuzo wakho. Nangona i-EITC iphezulu ukuba unabaxhomekeke kuwe, abantu abaninzi abangenabantwana basafanelekela le khredithi. I-EITC ayipheleli kwityala lakho lerhafu, kodwa usenokufumana i-EITC njengembuyekezo nokuba ubungenazo naziphi na iirhafu zonyaka. Rhoqo ngonyaka, abantu abaninzi abakulungeleyo ukufumana iThredithi yeRhafu yoMvuzo abayibangi ngokwenene nangona befanelekile.

Ikhredithi yokhathalelo lomntwana kunye noxhomekeko

Abazali abaninzi bayaqonda ukuba bayakwazi ukutsala ipesenti yeendleko zokunakekelwa kwabantwana ezenziweyo ukuze basebenze. Into abadla ngokuyiphosa kukuba iindleko zenkampu zasehlotyeni nazo ziyatsalwa, ukuba iiyure zenkampu zihambelana neeyure asebenza ngazo umzali. Ukongeza koku, abantu bayaphoswa ziindleko zokhathalelo oluxhomekeke kuwe ziyasebenza nakwiindleko zokhathalelo lwabadala okanye nawuphi na umntu oxhomekeke kuye, hayi abantwana kuphela. Kuba eli lityala elibhekiselele kwiirhafu ezityalwayo hayi nje ukutsalwa, oku kubalulekile ukuba ungaphoswa.

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Ukutsalwa kwerhafu yokuthengisa

Ukuba uhlala kwilizwe elingenayo irhafu yentengiso karhulumente, usenokuvakalelwa kukuba uyaphoswa kukutsala irhafu karhulumente ehlawulweyo. Enyanisweni, i-IRS idale ukutsalwa kwerhafu yokuthengisa kumazwe angahlawulisi ngeniso. Nangona ukugcina umkhondo werisithi nganye enyakeni kubonakala kunzima, ungasebenzisa izibalo ezibonelelwa yi-IRS ukuze uqinisekise ukutsalwa kwakho imali, ngoko ke ukugcina iirisithi akuyomfuneko ukuba ufanelekele oku kuxhuzulwa.

Ukutsalwa kwakhona kwamanqaku e-mortgage

Abantu abaninzi bayazi ukuba bayakwazi ukutsala iindawo zokuboleka imali xa beqala ukuthenga amakhaya abo. Into abahlala bengayiqondi kukuba bayakwazi ukutsala amanqaku xa behlaziya ikhaya labo, nabo. Umahluko ophambili kukuba unokutsala isixa esipheleleyo samanqaku xa uthenga ikhaya lakho, kodwa utsala i-1/30 yamanqaku ngonyaka kwi-refinancing. Oku kudla ngokuba kukutsalwa okuncinci, yiyo loo nto kudla ngokungahoywa.

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Ityala leThuba laseMelika

I-American Opportunity Credit lityala lokufunda, iincwadi, kunye nezinye iindleko ezenziwe ngumfundi okanye abazali babo ezisebenza iminyaka emine yekholeji. Ikhredithi inomda wengeniso ukuba ufaneleke. Eli lityala eliya kwiirhafu ezityalwayo, hayi nje ukutsalwa kwemali. Ngokungafaniyo ne-EITC, nayiphi na i-excess ayinakufunyanwa njengembuyekezo. I-American Opportunity Credit ikuvumela ukuba ufumane ikhredithi ukuya kuthi ga kwi-2500 yeedola ngonyaka.

Utsalo lwemali-mboleko yomfundi ehlawulweyo

Abafundi abaninzi abayiqondi into yokuba xa abazali babo okanye ezinye izalamane zihlawula imali mboleko yabafundi, banokufuna inzala njengemali exhuzulwayo ngokwabo. Isizathu soku kukuba i-IRS ijonga intlawulo, nokuba yenziwe ngqo ngumzali, njengesipho kumfundi. Ngamanye amazwi, umzali unikela intlawulo nganye njengesipho, yaye umfundi nguye ogqalwa njengohlawula inzala.

Ukuhambisa iindleko zokutsalwa komsebenzi wakho wokuqala

Abantu abaninzi bayaqonda ukuba iindleko ezibangelwa ukuhamba ukusuka komnye umsebenzi ukuya kwelinye ziyancipha, kodwa kuthekani ngomsebenzi wakho wokuqala? Kukho ukutsalwa kweendleko zokuhambisa zabafundi beekholeji abafudukela kwenye indawo ngenxa yomsebenzi wabo wokuqala ngaphandle kwekholeji. Oku kuxhuzulwa kuhlala kuphoswa kuba unethuba elinye lokulibanga, kwaye uninzi lwabantu aluqondi nokuba lutsalo olusemthethweni.