Sarudza chisarudzo chinoenderana nemari yako inopera.
Iye zvino tora kufema kwakadzika uye funga nezvechokwadi: Iwe uri kuzvipira, naizvozvo unofanira kubhadhara mitero se freelancer.
Kuzvimirira kunouya neboka rose rezvikwereti zvemitero zvakasiyana nedzimwe nyaya, kwete zvishoma zvacho ndeyebhadharo yemitero iwe uchatora chikwereti cheInternal Revenue Service pakupera kwegore.
Iwe hauna mushandirwi akamira mumapapiro kuti unyore nyore mari kubva pamarikiti yako uye uende nayo kune IRS panzvimbo yako.
Zvinogona kuva zvakaoma kuverenga kuti uchazoita sei muzvikwereti zvemitero sezvo gore rinopfuurira, kunyanya kana iwe usingazivi kuti iwe uchawana mari yakawanda-iyo yakafanana kune avo vari kutanga kutanga. Asi kune nzira shomanana dzokuzviita. Heano mamwe maitiro aungashandisa kubhadharo yemitero sa freelancer uye zvimwe zvinhu zvaunoda kuchengeta mupfungwa.
"Kuchengetedza" Mitero seFranelancer
Chokutanga, kunzwisisa kuti "kuponesa" chinhu chekunyengera pano. Chaizvoizvo uye chinangwa, IRS ichave ichichengetera iwe nokuti iwe unofanira kunge uri kutumira mukubhadharwa kwegore rimwe nerimwe mwedzi mitatu. Iwe uri kunyatsobhadhara mitero yako sezvaunenge uchienda, sezvaunenge uchida kana wako waaishandira akange achidzivirira mari yacho kubva kune imwe neimwe yekubhadhara kwako.
Iyi mitero inokonzerwa nedzimwe nguva nokuti IRS inoda kubhadhara sezvo iwe uchigamuchira mari, kana seyakaswedera pedyo nayo sezvinobvira.
Kwegore ra2018, mutero, mazuva iwayo ndeaya:
- April 17
- June 15
- Svondo 17
- January 15, 2019
Saka hausi kungozvinyora chikamu chemari yako muakaunti yekuchengetedza, zvisati zvisiri kwemazuva makumi mapfumbamwe. Asi zvakakosha kuti iwe uise mari yacho panze kana kuti uve nechimwe chirongwa chekare nokuti IRS yave ichizivikanwa kuti inoshandisa chirango kana iwe usingabhadhara mitero yako yega roga panguva.
Mazana Api Mazana Unofanira Kuchengeta?
Inowanzokurudzirwa kuti iwe ugadzire 25 kusvika ku30 muzana yemari yako. Hongu, izvozvo zvinonzwika sezvakawanda. Asi iyi ndiyo chinhu: Hausi kungobhadhara mutero wemari. Unofanirwawo kubhadhara mutero webasa rako, uye bhajeti yako inofanira kuvhara zvose.
Mutero wekuzvitsvaga ndeye FICA yako mitero-iyo Medicare uye Social Security iyo wako waanoshandira aizowanzorega kubva pamarikiti yako kunze kwekubhadhara mutero. Paunenge uchishanda, iwe unobhadhara hafu uye iwe waunoshandira unosungirwa kubhadhara imwe hafu. Asi iwe ndiwe waunoshandira iwe kana iwe uri self-employed freelancer. Izvi zvinoreva kuti iwe unofanirwa kutsika pasi rose iwe pachako, uye ichi ndicho chikonzero chinozivikanwa semutero wekuzvitsvaga.
Uye inoshanda kune imwe yenhamba yakawandisa: 15.3 muzana yekutanga $ 128,400 yemari inowanikwa muna 2018, uye 2.9 muzana yezvose zvaunowana pane iyi chikumbaridzo. Sezvo iwe unobhadhara mubhadharo, iwe unongofanira kubhadhara hafu iyo yemari.
Twenty-five to 30 percent sounds sounds more real now, do not it? Inenge hafu yezana yepcenter iyo inokonzerwa nemutero wako wekushanda uri woga.
Kuverenga Mari Yako
Heino mashoko akanaka: Haufaniri kuchengetedza 25 kusvika ku30 kubva muzana yemari yako yose nokuti une mari inobatanidza nekushanda bhizimusi rako rekudaidzira.
Iwe uchazadza Purogiramu C panguva yemutero, iyo ichakubvumira iwe kubvisa bhizimusi rako rekubhadharira kubva kune yako yakawanda yeferenancing income kuti usvike pamutero wako unotengesa.
Chengetedza zvekudhura kwako mari yegore rose, zvakadai sekugovera mahofisi, mafambiro ekufambisa, mileage inotungamirirwa nebhizimisi, uye zvichida kuchengeta hofisi yeimba. Iwe unofanirwa kuenzanisa kana ichi chiri gore rako rokutanga sa freelancer, uye inowanzochengeteka kuti uenzanise pasi pasi pane kukwirira. Zvadaro tora mari idzi kubva pane zvaunotarisira mari uye ugoita huwandu hwehuwandu huri kubhadharo yemitero pachiyero.
Yeuka kuponesa mabhizimisi ako kuitira kuti iwe ugone kuratidza kuti iwe unofanirwa kubhadhara kana IRS yakambomubvunza pamusoro pavo.
Kuchengetedza Zvishoma Chekuongorora Kwese
Iye zvino zvaunoziva kuti iwe unofanirwa kubhadhara mari yakawanda sei, unofanira kusarudza kuti uri kuisa mari iyi sei.
Zvinotora chirango kuti uchengetedze mberi uye kutumira kune iyo inotora chikwereti. Mushure mezvose, iwe unofanirwa kuripa zvekutengesa, kupisa, uye denga pamusoro pemusoro wako, zvakare. Izvozvo zviripo, kazhinji zviri nyore kuisa pane imwe chikamu chebhadharo imwe neimwe yaunogamuchira sa freelancer.
Izvi zvinokuponesa iwe kubva pakufungidzira kuti iwe unofunga kuti unogona kuwana mari yakareba sei mumwedzi mishomanana inotevera. Iwe unongotarisa chikamu chebhadharo imwe neimwe yaunowana apo iwe unogamuchira.
Nzira iri nyore yekuita izvi ndeyekugadzirisa kero yekuchengetedza yawakaisa mvumo yemitero. Bhenganisa iyo iyo akaunti yekuchengetedza kuakaona chekuita iyo iwe waisa mari yako yokuzvipira, uye pakarepo udzorere chikamu chemari iyoyo kubhuku rekuchengetedza nguva dzose paunenge waita mari.
Imwe nzira yekuchengetedza
Zvichienderana nezvamuri kuita kuti uwane mari iyo uye nguva iyo yavanopinda nayo, inogona kuva musoro chaiwo kuti uyeuke kutengesa zvimwe zvebhadharo imwe chete yaunogamuchira. Imwe nzira inogona kuva yekuverenga mari yakawanda yawakagamuchira mwedzi wakapera, woisa pairi 25 kusvika ku30 muzana yekuti usati watanga kubhadhara mari yemwedzi inotevera.
Zvechokwadi, zano iri rinotora kuti iwe watotoponesa mamwe emari yako uye iyo nhoroondo yako haina chinhu, kana kuti haichazobvumiri paunotumira mari yemutero. Ingoshandisa iyo kana iwe uchida kuva nemari yakawanda yakawedzerwa mubhuku rako pamagumo emwedzi mumwe nomumwe.
Tarisa Kuti Unofunga Zvakawanda Sei Uchawana Pakuvamba Kwegore
Iwe unogonawo kuverenga kuti unofunga kuti iwe uchawana sei gore rose pakutanga kwegore, zvino kuverenga 25 kusvika ku30 muzana yeiyo uye kugovana nevana kuenda mberi. Iyi ndiyo mari yaunotumira kune IRS yega roga roga.
Zvinogona kunge zvisina kuoma sezvazvinonzwika kana iyi isiri gore rako rokutanga rekufambisa. Nguva imwe neimwe paunopinda neine muchengeti mutsva, mutengi wacho angangokukumbira kuti upedze W-9 nezvose zvako kuzivisa mutero wemashoko, zvakadai seNyu Social Security nhamba kana nhamba yeApt ID. Zvadaro, mushure memagumo egore, iwe unofanirwa kugamuchira ma-1099-MISC mafomu achiudza mari iyo mumwe mutengi akakubhadhara iwe.
Iwe unogona kushandisa izvi kuti uite chiyero chakanaka chezvaunowana mugore rinotevera. Pane chakashanduka here? Wakamboparadzanisa nzira neumwe wevatengi ivavo here kana uri kuita mamwe mabasa kune mumwe? Iwe unogona kushandisa 1099s sechando, ipapo gadzirisa kumusoro kana kuti pasi kuti uuye nechirevo chechokwadi chekuti inguva ipi imwe neimwe ichakubhadhara iwe gore rino.
Kana iwe uchifungidzira kuti iwe uchaita $ 100,000 mune mari yakawanda mushure mokubvisa mabhizimusi aya, uye kana ukasarudza kuisa 28 kubva muzana kana $ 28,000 yemari iyo, unofanira kuchengetedza $ 7,000 pamatatu.
Asi zvakare, iwe unoda zvakawanda wiggle room mumari yako uye mari yakakura yemakachengetedzi emusangano uyu. Vazhinji vanozvimirira vanosarudza sarudzo yekutanga, iyo yakawanda yekuponesa-se-iwe-kuenda chirongwa. Inoda humwe hutungamiri asi isiri chirango, uye inoshanda mukati mezvinoitika zvebhadharo yako zuva nezuva.
Iwe Unogona Kugara Uchipa Kare
Gara uchiyeuka kuti haufaniri kumirira kusvika pamitengo inotarirwa pamwedzi inotarisirwa kuti ubhadhara mitero sewe freelancer-iwe haugone kuenda mberi kwemazuva aya pasina kupiwa chirango. Kana iwe unonyanya kushanya mwedzi umwe, enda mberi uye ubhadhara mitero yako kare. IRS haichafungi. Iwe haufaniri kubvumira mari kugara pasi pekambani yako yekuchengetedza ichimirira musi waSeptember 17 kutenderera, uye inogona kudzivisa njodzi kana iwe une mwedzi wakaipa kana maviri uye iwe unouya usina chinhu kana zuva rakakodzera rasvika. Iwe unogona kutarisa kumashure pamwedzi mushure mako, ona zvawakawana, uye kuripa mwedzi wose.