Kana uine kambani yekuunganidza iwe unoda kutarisira, asi haikwanisi kuribhadhara zvakakwana, unogona kukwanise kutora chikwereti chinodhura zvikuru pamwe nekwereta chikwereti. Kunyange kana iwe usingakwanisi kuwana muunganidzi kubvumirana kugamuchira mutero wakaderera, unogona kukwanisa kuronga urongwa hwokubhadhara chikwereti muzvikamu. Kuziva nzira yekukurukura nevatokweretesi vatengesi kuchakubatsira kuti uite sarudzo yekubhadhara iyo inoshanda iwe uye unotarisira chikwereti chekuunganidza chikwereti chakanaka.
1. Kunzwisisa Maonero Akaita Chikwereti Chekuita Basa
Zvikwereti zvikwereti zvinogona kuitika kunyange kune vashandi vanonyanya kutarisira mari. Mushumo unogona kukanganisa pfungwa yako, iwe unogona kunge uine gakava nemunhu ane chikwereti pamusoro pekuti iwe unokwereta zvakadini, kana kuti zvinyorwa zvebhadha zvinogona kurasikirwa mumeyili usati waziva kuti chikwereti chiripo. Dzimwe nguva, vateresi vanokwereta vanoita madhora emabhonasi uye vanoedza kuvhundutsa vatengi kuti vabhadhara.
Hazvina mhosva kuti iwe ungada sei kuregeredza kukohwa , kutarisira maakareji ekuunganidza zvinowanzova nani kwauri uye chikwereti chako chikoro munguva refu. Kana ukangobhadhara, iwe unomisa boka rekukoka uye tsamba kune zvakanaka, kuvandudza chikwereti chako chekwereti, uye kubvisa pangozi yekupomerwa mhosva yechikwereti.
Sezvo nekutaurirana chero kupi zvako, kuziva zvakawanda zvaunokwanisa pamusoro peimwe chikamu kunokuisa panzvimbo yakanakisisa yekuwana zvaunoda kunze kwechibvumirano. Chinangwa chevatengesi vemari chikwereti ndechokuita mari yakawanda sezvinobvira kubva kuunganidza chikwereti uye vanoita izvi nenzira mbiri.
Vateresi vateresi vanogona kuwedzera mari pamutero sezvakabvumirwa nemutemo wehurumende. Kana kuti, vasina chikwereti chikwereti vanotenga vanowana purofiti pamatokari avo vatenga kutenga pennies pariyoni chete.
Vanounganidza chete vanoita mari apo vatengi vanobhadhara chikwereti. Havagoni kutora pfuma kana kutora mari kubva kumabhengi ebhengi kunze kwekunge vaine mhosva uye vanowana mutongo wekutonga uye mvumo yekugadzirisa mubhadharo wemutengi .
2. Ziva Kodzero Dzako
Usati wataura nekwereta mutengesi, ziva nekodzero dzako . Kana zvisina kudaro, vateresi vatengesi avo vakangwara uye vane ruzivo kupfuura iwe unogona kukushandisa nyore nyore.
Heino zvinhu zvishoma zvaunofanira kuziva:
- Vateresi vatokari vanogona kungokushevedzai pakati pe8am ne 9pm.
- Havagoni kukushungurudza kana kushandisa mutauro unonyadzisa pavanotaura newe.
- Havagoni kutyisidzira kutora chiito chisina mvumo kana kuti havadi kurarama nazvo.
- Vateresi vateresi vanogona kungosangana nevanoshandira , nhengo dzemhuri, uye shamwari kuti uwane ruzivo pamusoro pako.
Vateresi vateresi vanogona kuedza kutora kubva kwamuri nekukushevedza, kutumira tsamba, nekunyora chikwereti pamushumo wekwereti yako chero bedzi chikwereti chiri muchikwereti chekuzivisa chikwereti nguva. Iwe unogona kumira mafoni uye netsamba nekukumbira chikwereti chikwereti kuti chirege kuonana newe. Zvisinei, iwe kazhinji haugone kubvisa chikwereti kubva kumushumo wako wechikwereti kunze kwekuti zvisina kururama kana kuti kupfuura chikamu chekuzivisa chikwereti nguva .
3. Ita Kuti Ndeye Chikwereti Chako
Usatora zvishoma kuti chikwereti mutora uyo anokutaurira iwe ari kutevera chikwereti chakanaka. Vanokweretesa chikwereti vave vachizivikanwa kutevera zvikwereti zvisina kukodzera kana kutoedza kuunganidza pane zvikwereti zvatove zvabhadharwa.
Enda kune zvose zvikwereti zvikwereti nemutengo wakanaka wekusava nechokwadi.
Iwe une kodzero yekukumbira chikwereti chekutora kuti aratidze kuti chikwereti chacho uye kuti vane kodzero yekuchiunganidza. Iyi nzira inozivikanwa sechikwata chekugadzirisa. Iwe une mazuva makumi matatu kubva pakusangana kokutanga nekwereta chikwereti kukumbira, muchinyora, kuti chikwereti chikwereti chinokutumira uchapupu hwechikwereti. Kana mushure mokunge anogamuchira chikumbiro chako chekubhadhara chikwereti, havagoni kuramba vachiunganidza kubva kwauri kusvikira vatumira uchapupu hwawakakumbira.
Kana imwe nguva muteresi achitumira uchapupu uye iwe wagutsikana chikwereti chacho chakanaka, unogona kupfuurira nemamwe magwaro. Kana zvisina kudaro, kana muteresi asingatumi uchapupu hwakakwana, tumira muunganidzi kugumisa uye kurega tsamba achikumbira kuti varege kukutaurira uye vopesana chikwereti nemabhadharo emari.
4. Tora Zvimwe
Pane zvinhu zvishomanana zvinogona kushandira iwe apo iwe uri kutaurirana nekwereta chikwereti. Kutanga, kana chikwereti chikwereti chine mukana wakaderera wokukunda mhosva, vangangodaro vabvuma kubhadhara chikwereti.
Mutemo wekukanganisa unobata nguva iyo chikwereti chinoshandiswa pamutemo. Kana kangoti mutemo wapfuura, muteresi anokwidza chikwereti achava nenguva yakaoma yekuwana dare kuti akumanikidze kubhadhara chikwereti, kana iwe ukashandisa nguva yakapera nguva yekuzvidzivirira mumatare. Ingova nechokwadi chekuti haubatsirizve mutemo wekukanganisa kuburikidza nekubvuma kune chikwereti kana kuita chikwereti chakasarudzwa. Mutemo wemiganhu unopesana nehurumende uye rudzi rwechikwereti uye unotanga nebasa rako rekupedzisira munhoroondo.
Imwe nguva nguva inogona kushanda mukufarira kwako ndiyo nguva yekupa chikwereti chikwereti. Nguva ino nguva inobata kana chikwereti chingave chakanyorwa pane chikwereti chekwereti. Kana chikwereti chawa kubva kune chikwereti chekwereti, kana chakarongerwa kuwira nokukurumidza, pane zvishoma zvinokurudzira kuti iwe uibhadhara - hazvisati zvichitora chikwereti chako. Iwe unogona, zvakadaro, unonzwa uchishushikana kubhadhara chikwereti nekuda kwebasa raunosungirwa, kurega chikwereti nevatori vasati vataure newe nezvekwereti yezvakanaka, kana kuti kubvisa dambudziko rekutongwa. Kushandisa nguva yekupera kwenguva yekukwereta chikwereti sezvo mukana unogona kukurudzira chikwereti mutora kuti ashande nebhadharo yako.
Kazhinji, iwe mukuru chikwereti, zvinonyanya kukosha kuti iwe unogona kuita kuti chikwereti chikwereti kugamuchire kudarika chikwereti chakakwana. Kutsvakurudza uye kuongorora zvose mutemo wekukanganisa uye chikwereti chekupa chikwereti nguva nguva isati yatanga kutaurirana nekwereta chikwereti.
5. Ratidza Mufananidzo Zvaunogona Kuita Kuti Ubhadhe
Kubhadhara chikwereti chako chakakosha kunonyanya kukosha, kunyanya kana kuchikuchengetedza kubva pakuvandudza chikwereti chako kana kubvumirwa kune mamwe makadhi emakwereti uye zvikwereti. Usati wapa mubhadharo kune chikwereti chikwereti, funga nezvemamwe mabasa ako emari. Tarisa bhajeti yako - yako mari uye mari - kuti uone zvaunogona kubhadharira kune chikwereti. Chimbofunga kana iwe unogona kuripa iyo yose mune imwechete yemari yemari kana kuiputsa muhomwe shomanana. Chengetedza mupfungwa, vateresi vatengesi vachada kuunganidza zvakawanda sezvavanokwanisa nekukurumidza sezvavanogona, saka kuparadzira zvikwereti zvako kupfuura kwemwedzi mishomanana hazvizove sarudzo.
Iwe unogona, semuenzaniso, unopa kubhadhara chikwereti che $ 3,000 pamutengo we $ 5,000. Iwe uchakumbira kuti chikwereti chikwereti chikudze kubhadhara kwako sekugutsikana kwakakwana kwechikwereti, zvinoreva kuti muunganidzi anotsvaira $ 2,000 inosara. Kana, iwe unogona kupa kupa hutori hwemwedzi we $ $ 1,250 kuti ubhadhara zvachose chikwereti. Iva nechokwadi chokuti unogona kukwanisa kubhadhara zvawapa. Kana imwe chikwereti chikwereti ichibvuma, iwe unogona kunge uine firiji duku kuti uite mubhadharo. Iyi nzira inozivikanwa sekubhadhara chikwereti .
6. Ziva Kuti Mari Yako Inobatsira Sei?
Ngwarira kuti chii chaunopa iwe chinoreva iwe. Kubhadhara kwako kuchazobvunzwa kune chikwereti chekwereti kana chikwereti chichiri mukati memari yekupa chikwereti nguva yekukwereta - iyo makore manomwe kune madhora mazhinji. Kubhadhara zvakakwana zvinowanzoita zvakanaka pane kugadzirisa chikwereti chako, asi kubhadhara kunotarisana nani pane kusina kubhadhara.
Chero kubhadhara kwechikwereti kuchagadzirisa mutemo wekukundikana pane chikwereti ichipa chikwereti chikwereti nguva yakawanda kukupomera. Zvakakosha kuti uve nechibvumirano chichagutsa chikwereti uye kubvisa mukana wekutongwa mune ramangwana.
Kugadzirisa chikwereti chako kunogona kuva nemutero unorehwa. Kana zvinopfuura $ 600 zvechikwereti chako zvisingabhadharwa, mukoti anofanira kutaurira chikwanganiso chakaregererwa ku IRS. Iwe uchatumirwa Fomu ya1099-C inosanganisira chikwereti chakaregererwa semari pamari yako inotevera kudzoka.
7. Iva Wakagadzirira Counteroffer
Tanga kutaurirana nekupa mubhadharo zvishomanana zvishoma pane zvaunoda kubhadhara. Muteresi wekusungirira angangodaro anopesana nemari yakakwirira kudarika kupiwa kwako kana kuti angatosimbisa kuti iwe unobhadhara mari yakazara. Chinangwa ndechokupedzisira kugamuchira chikwereti chikwereti kubvumirana nemari pane kana kuti pasi pezvinhu zvawasarudza iwe unogona kubhadhara.
8. Simira Gwaro Rako
Vateresi vateresi vanoshandisa chero ruzivo rwavanogona kuwana pamusoro pako kuti vawane chikwereti kubva kwauri - saka chenjerera pamusoro pezvaunotaura mukutaura kwako. Ramba uri mukutonga kwemanzwiro ako zvisinei kuti chii uye utaure chete nezvekupa kwako. Dzivisa kukurukura nezvekuwana mari yako kana zvimwe zvikwereti zvemari kunze kwekuti iwe uine chokwadi chokuti kupa ruzivo urwu kunobatsira kukurukurirana kwako.
Iva nehanya kuti vateresi vatengesi vanogona kuwana ruzivo rwekwereti yako uye vangashandisa ruzivo mairi - sezvikwereti zvitsva kana kuti nguva yakakodzera pane dzimwe nhoroondo dzenyu - kukumanikidza kuti mubhadhare kupfuura zvawakapa. Ramba uri mukutonga kwehurukuro uye umira wakasimba mune zvauri kuda uye unokwanisa kuripa. Usarega muteresi achikudzvinyirira kuti uite kuti mamwe mabasa ako emari ashandise.
Iwe unofanirwa kuenda kune dzimwe nhanho pamwe nekwereta chikwereti usati wabvumirana. Usashamisika kana iwe ukazoguma uchitaura nevanhu vakasiyana-siyana pahofisi yekuunganidza. Chengetedza zvinyorwa zvese zvekutaurirana kwako nevatokweretesi vatora, uchicherechedza wawakataura naye uye nezvimwe zvekukurukurirana.
9. Gamuchira Chibvumirano Mukunyora
Kana iwe uye chikwereti chikwereti chasvika pamari yekubhadhara iyo inoshanda imwi mose, itai chibvumirano ichi kunyora. Izvi zvinonyanya kukosha kana iwe wakashanda urongwa hwekubhadhara kana huwandu hwekugadzirisa. Usaita mubhadharo kusvikira wava nechibvumirano chakanyorwa kubva kune chikwereti chikwereti.
Chengeta kopi yesungano uye uchapupu hwekubhadhara kwaunoita chete kana pane imwe nguva mubvunzo pamusoro pekuti iwe wakagutsa chikwereti.
Kune vamwe, zviri nyore kunyora cheketi yezviyero zvakakwana uye zviitwe nekwereti zvachose. Asi, kana uri kutarisira kuchengetedza mari pachikwereti kana iwe usingakwanisi kuribhadhara zvakakwana, kutaurirana nebhadharo shoma zvakakosha kuedza. Iwe unogona kuita izvi iwe pachako, kunyange kana iwe uchifanirwa kunyora tsamba kuti utange kukurukurirana. Hazvina mari kudarika kuhaya kambani yekubatsira chikwereti kuti ichataurirane iwe.