Dzidzo haisi kuderedzwa asi iwe unogona kunge uchiripa mutero
Ndine urombo kuti ndive mutakuri wemashoko akaipa, asi mhinduro ndeyekuti, "Kwete." Nhau dzakanaka ndezvekuti kune dzimwe nguva zvishoma kune dzimwe nhau dzakaipa.
Deduction for Expenditure Expenses
Dzidzo yebhadharo inongorayirwa mutero chete wepasecondaryary tuition uye yekubatanidza mari. Izvi zvinosanganisira zvikoro zvevamiririji, vunivhesiti, zvikoro zvebhizimisi kana zvidzidzo uye zvakanakisisa chero imwe purogiramu yezvidzidzo yakagamuchirwa inotevera chikoro chesekondari. Iko mazwi makuru pano ari "kutevera chikoro chesekondari." Bhikoro chikoro uye chikoro chesekondari hazviverengi.
Kune zvikwereti zvakasiyana-siyana zvemitero yekukodzera mari yekubhadhara, asi zvakadaro, yakadaro iyo Lifetime Learning Credit uye American Opportunity Tax Credit. Ikoko yaive yakashandiswa kugadziriswa kwekudzidzira uye yekubhadhara mari , asi izvo zvakapera muna 2017 kunze kwekuti Congress inobata kufema hupenyu huri mariri.
Kubviswa kweKubva- uye Pashure-Chikoro Kuchengetedza
Iyi ndiyo inobata chirongwa chemuvakidzani wako mushure mekuchikoro; inowira pasi pemuraira weMwana uye Chekuchengetedza Care Tax Credit.
Iwe unogona kukodzera kuwana mutero wekubhadhara mutero kana mwana wako achienda purogiramu yekusati- kana shure kwekuchikoro kuitira kuti ugone kushanda kana kutsvaka basa. Mwana wako anofanira kunge ari muduku kudarika makore gumi nematanhatu. IRS inotora nzvimbo iyo kana yakwegura kupfuura iyi, haadi kutarisirwa kwepamusoro apo iwe hauna kuwana. Kana iwe wakaroorana, wako wako anofanira kushanda kana kuti kutsvaga basa-mune mamwe mazwi, haawanika mumaawa awa kutarisira mwana wako.
Chikwereti chinoshanda kumapurogiramu ega ega ehurumende uye ehurumende, asi iwe unofanira kuparadzanisa mari yeprogram yekuchengeta kubva kune dzidzo ipi yaunobhadhara kana iwe utumira mwana wako kuchikoro chega. Chikoro chinofanira kukwanisa kukubatsira neizvi. Nhamba yekwereti inosiyana nemubhadhara uye inoverengwa kusvika kusvika $ 3,000 muzvikamu zvekuita zvekuchengetwa kwemwana kwevana mumwe, kana $ 6,000 kune vaviri kana kupfuura vana. Mune mamwe mazwi, kana ukashandisa $ 1,500 kuitira chirongwa chekuchengetedza chikoro shure uye $ 500 kuitira kambani yezhizha kuitira kuti ugone kushanda kana kutsvaka basa, unogona kutora chikamu chemari iyi semutengo wechikwereti. Iko yehuwandu inofanirwa nemari yako yakashandurwa yakawanda.
Chikoro Chekuchengetedza Dzidzo yeAppdell
Mutemo weAmerican Taxpayer Relief Act wegore ra2012 wakaita zvigaro zvekusingaperi kweAppdell Education Savings Accounts . Iyi haisi kunyanya kubhadhara mutero wekubhadhara chikoro, asi iyo inobhadhara mitero yakafanana. Rinoshanda kwete kungoita postsecondary dzidzo yepamusoro asi kuchikoro chesekondari uye kuchikoro chesekondari pamwe chete.
Iwe unogona kuwedzera kusvika ku $ 2,000 pagore kuCoverdell ESA. Mipiro yako haisi mutero inobviswa, asi mari yako inokura mutero pasina iyo iyo iri munhoroondo. Iwe unogona kubvisa zvose-mipiro uye yakawanda-kufarira-yekudzidzira uye zvimwe zvakakosha mari kunze kwekubhadhara mutero pamusoro pekukura.
Kubva muna 2017, yako yakashandurwa yakagadziriswa mari yakawanda inofanira kunge isingasviki $ 110,000 kuti uwane chikwereti ichi kana iwe usina kuroorwa. Muganhu kaviri kana iwe wakaroorwa uye uisa hutano kudzoka. Vazhinji vapeeresi MAGI vakafanana nemari yavo yakagadziriswa yakawanda, asi chengetedza nemudzidzisi wemitero kuti ave nechokwadi.
The Charity Contribution Deduction
Iyi haisi kurega kuderedza dzidzo yemwana wako, asi kuderedzwa kwezvidzidzo muvanhu vose. Mipiro yezvipo iwe unobhadhara mutero inobviswa kana iwe itemize zvabviswa pane Purogiramu A apo iwe unogadzirira mutero wako wekudzokera. Zvechokwadi, izvi zvinoreva izvo zvinotarirwa kushandiswa kwemazuva ose izvo zvinowanzobatsira zvakanyanya kune vateresi vakawanda.
Mipiro yezvipo inosanganisira mari yawakapa kumachechi, kusina purofiti, mamwe mazano anobatsira-uye hongu, zvikoro-asina kuwana chero chinhu chaicho.
Semuenzaniso, vanhu vanowanzozotenga matikiti kune bhora rekubatsira, kambani, kana chimwe chiitiko kuti vatsigire rudo. Kana iwe uchibhadhara $ 100 zvetikiti kuenda kune chimwe chiitiko icho kazhinji chaizokubhadhara iwe $ 25, kukosha kwemupiro wako iko $ 75, kwete ye $ 100 yakazara. Iwe wakagamuchira chimwe chinhu mukutsinhana nekuda kwezvipo zvako.
Saka kana iwe uchibhadhara chikoro uye mwanasikana wako anowana dzidzo mukutsinhanisa, izvi hazvikwanisi nheyo yezvipo zvechipo. Asi kana iwe ukaita chipo chechipo kuchikoro kune kuwedzera kwechikoro chekudzidzira uye zvimwe zvikwereti iwe unobhadhara kuinyorera kwawanasikana wako, chikamu ichi chaizova mutero wakabviswa.
Cherechedzai: Mitemo yemitero inoshanduka nguva nenguva, uye iwe unofanira kugara uchitarisana nemudzidzisi wezvemitero kune mazano akawanda kusvika kune rimwe. Mashoko aya ari munyaya ino haafananidzi sekupa mazano emitero uye haisi kutsiva mazano emitero.