Kutemesa Zvaunobvisa Zvaigona Kutungamirira Kukuru Kukuru
Hungu, kutora kuderedzwa kwakakwana kunonyatsove nyore, uye inogona kunge iri nzira yakanakisisa kana iwe uine mamiriro emutero ari nyore kana iwe usina imba.
Asi usati waita chisarudzo, iwe unofanira kukanganisa dzimwe nhamba. Kana iwe ukasarudza kuti itemizing yakakodzera iwe, inogona kutungamirira kuhuwandu hwekuchengeta.
Itemizing vs. vs. Kuchera
Mhedzisiro yakaderedzwa ndiyo chaiyo inonzwika se - chidimbu chakapfumbira chaunokwanisa kubvisa kubva pamari yako inotengesa . Mari yaunogona kuitora inobva pauwandu hwekutsvaga kwako, nhamba yevanhu vanovimba, uye gore ripi rauri kutora mitero .
Kwegore ra20177, mutengo wakatarwa unokosha pamadhora mazana matanhatu nemakumi matatu nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nematanhatu. Inowedzera kusvika $ 12,700 kune vakaroorana vanyorera kubatana kudzoka. Vakuru vedzimba vanogona kuda kutora mutengo wakakwana kunokwana $ 9,350. Kutanga muna 2018, kusunungurwa kwemazuva ose kunowedzera ku $ 12,000 pamatafura asina kukwana, $ 18,000 kune vatungamiriri vemhuri uye $ 24,000 kune vakaroora vakaroorana pamwe chete.
Paunenge uchitsvaga zvishoma, iwe unokwanisa kukwevera mari chaiyo yemari yakawanda yemari yakasiyana-siyana.
Zvimwe zvezvikwereti izvi zvinouya nenzira yekutenga chikwereti , mitero yemitengo, mari yezvechiremba uye chikwereti chemari yevadzidzi, kutumidza mashomanana. Kana iwe wakatora zvose zvawakabvumira kubhadhara uye iyo yose yawakanga yaive yakakura kudarika kushandiswa kwemazuva ose, zvingave zvakachenjera kuti itemize.
Ndezvipi Zvinodhura Zvingave Zvakanyorwa?
Zviverengero zvinodhura zvinogona kuiswa pane yako rondedzero yezvakabviswa.
Zvose zvinowanzodiwa zvinosanganisira:
- Mortgage interest
- Mipiro yezvipo
- Property tax
- Hurumende neyemunharaunda yemitero
- Kubhejera kurasikirwa
- Chikwereti chemari yevadzidzi
- Kufambisa mari
- Jobho achitsvaga mari
- Zvirwere zvinodarika zvinopfuura 7.5% yemari yako yakashandurwa yakawanda
- Zvimwe zvakasiyana-siyana zvinodhura zvinopfuura 2% yezvaunowana, zvakadai se: kubatana kwevashandi, zvishandiso uye zvigadzirwa zvinoda kubasa, mitero yekugadzirira mitero , nemimwe mitero yemitemo (kune zvakawanda zvakawanda)
Kutanga muna 2018, kukwanisa kubvisa zvimwe zvezvinhu izvi uye mari iyo inodonhedzwa ichachinja pasi peMutengo Wemitero uye Jobs Act . Semuenzaniso, kubviswa kwekutora chikwereti kunoderera kubva pa $ 1 Mamiriyoni kusvika ku $ 750,000, asi kubviswa kwezvipo zvezvipo zvinowedzera kubva ku50% yemari yakawanda yakashandurwa kusvika 60%.
Kubviswa kwekutenga kwenyika uye yemunharaunda kuchaiswa pa $ 10 000 kuenda mberi. Kubviswa kwezvinhu zvakadai sokufambisa mari, basa rokuvhima mari uye kusabhadharwa kwevashandi mari ichabviswa, sezvinozoita kuderedzwa kwekubhadharwa kwemari, kubhadhara mitero yekubhadhara uye mari yekufambisa mumba. Musha wekuwana chikwereti chekuwana chikwereti chichava chisingawaniki, pamwe chete nekuderedzwa kwekutadza kurasikirwa kwete kuvharwa neishuwarisi.
Unofanira Kuita Here?
Hapana mhinduro yakarurama kana isina kururama, uye pakupedzisira inobva pane mamiriro ako ezvinhu.
Kuti uone kana itemizing ingave yakakosha iwe, tarisa Purogiramu A yeRIM Form Fomu 1040. Pachirongwa ichi, unogona kutarisa zvinyorwa zvako zvemitemo, uye wozvienzanisa kuti uenzanise mari yacho kusvika pakuderedzwa kwakakwana . Kana iyo yakaenzana yakawanda yakawanda, saka iwe unoda kuti itemize. Kana huwandu hwehuwandu hwakakosha huri pasi pehuwandu hwekudzingwa, iwe haungadi kuti utemize.
Kukurukurwa kukuru kune vanhu vakawanda vanouya nenzira yekubhadhara chikwereti uye mvumo yemitengo, uye mumamiriro ezvinhu aya, kunyange kutengesa zvishoma kunogona kukuisa pamutengo wakakwana wokuderedza. Sezvo izvi zvinogona kuitika muzviuru zvemadhora pamusoro pemari yakabviswa , mari yekubhadhara mari inogona kuva yakakosha.
Kunyange zvazvo izvi zvingava kuderedzwa kukuru, gara uchiyeuka kuti nekuda kwekuti iwe une imba, hazvirevi kuti kubhadhara mutero wekutengesa kune nani kudarika kushandiswa kwemazuva ose.
Iwe unotofanira kuvhara nhamba yacho.
Nzvimbo yako yekutsvaga inogona kuchinjawo kana ichiita zvinonzwisisika kuti itemize kana kutora mutengo wakakwana. Kana iwe wakaroorana, iwe newawakaroorana naye mose munofanirwa kusarudza chisarudzo chimwe chete, kunyange kana iwe ukasarudza kudzoka zvakasiyana. Kana umwe wenyu ane zvakadzama zvakanyanya kudhura mari kune imwe uye ivo vanewo mari yakakwirira, ipapo itemizing ingangodaro ndiyo yakanakisisa yakasarudzwa.
Uyewo yeuka kuti pane zvimwe zvinodhura, unofanirwa kutaurira pane Purogiramu A kuti utaure kubhadhara. Izvo zvinosanganisira zvinhu zvakadai sekubhadhara chikwereti uye kubatsirwa kwechipo. Zvimwe zvikwereti zvinogona kukodzera kune pamusoro pemutsara wemutsara, zvichireva kuti haufaniri kuti itemize kuti uvataure. Izvo zvinosanganisira chikwereti chemari yevadzidzi uye zvipo kune tsika dzeIRA . Kutarisa kumativi ose maviri ekuenzanirana nemari yemitambo uye kuongorora iyo iri pamusoro pemiganhu yakaderedzwa iwe unokodzera kubatsira kunogona kugadzirisa nzira ipi yaunofanira kuita kana uchigadzirira kudzoka kwako.