Iwe unogona kukanganisa kana kukurumidza kuita zvose zviripo uye zvakabviswa
Kukurumidza uye Kurerechedza-Kushanda Kwaro
Kukurumidza kuwedzera mari zvinoreva kuti iwe uchaedza kuunza mari yakawanda gore rino, kunyanya mari inenge iri pamba nokuti inogona kunge yakarongerwa kusvikira gore rinotevera. Saizvozvowo, kukurumidza kuderedzwa kunoreva kushandiswa kwemari pamari iyo ichaita kuti kubhadhara mutero ikozvino.
Kusarura mari inoreva kuregererwa kana kunonoka kuwanikwa kwemamwe mari kusvikira gore rinouya. Kusiyanisa zvitsva zvinoreva kubata kushandisa mari pamitero-inodhura mari kusvikira gore rinotevera kana makore apera apo izvo zvitsauriro zvingava zvakakosha kune mamiriro ako emitemo ipapo.
Kukurumidza kufambisa mari uye / kana kuderedza kushandiswa kwemabasa kunowedzera kuwanda kwemari inowanikwa mushure megore razvino. Izvi zvingava nzira inobatsira kana mari yako inowira mubhaketi yakaderera yegore rino zvichifananidzwa nezvamunotarisira kuti ichava gore rinotevera. Kusarura mari uye / kana kukurumidza kupedzisira kushanda mabasa ekuderedza mari yemari inotengeswa mugore razvino, uye izvi zvinogona kubatsira kana mari yako inowira mubhaketi yakakwirira yegore rino kupfuura iwe unotarisira kuti ichauya gore rinotevera.
Aya mazano mana anotarisana nenguva yakakodzera yekubhadhara mari uye kushandiswa kwemabhadharo emitambo inobatanidza mitero.
Nzira dzekuverenga
Nguva yekuwana mari uye kuderedzwa kunobva kune imwe nzira yekubhadhara mutero. Maererano ne IRS, "Vanhu vazhinji uye mabhizimisi maduku akawanda vanoshandisa nzira yemari yekuverenga," saka tichaisa pfungwa pano pamitemo yemari yekushandisa mari yevashandi vanobhadhara.
Pasi pemitemo yemari yekuverenga, "Iwe unosanganisira mumari yako yakawanda zvinhu zvose zvekuwana iwe chaizvoizvo kana kuti zvakagadzikana kugamuchira panguva yemutero wegore," maererano ne IRS. "Iwe unotora mari mugore rekubhadhara raunenge uchibhadhara naro ... Zvisinei, iwe unogona kukwanisa kukwanisa kubhadhara mari yaunenge uchibhadhara nguva pfupi, pane imwe nzvimbo, iwe unogona kudiwa kuti uwane mamwe mari."
Saka vanhu vanozvishanda vacharondedzera mari iyo inowanikwa kana kuti yakagamuchirwa yakagamuchirwa mugore rekutere. "Kuvaka" kunoreva mari iyo "inonzi yakabhadharwa kana kuti yakawanikwa kwauri pasina kubvumirwa.Uye haufaniri kuva nayo ... Mari inenge isingagamuchiri yakagamuchirwa kana kutora kwako kwekugamuchira kwacho kunotarisana nezviremera zvakakura kana zvikanganiso."
MuchiChirungu chakanaka, kana iwe uchiwana chekeri kumapeto kwaDecember uye usingazviisi kusvikira munaJanuary, iyo mari inogamuchirwa yakagamuchirwa munaDecember apo yakagadzirirwa iwe. Kugara pavari kweimwe mwedzi kwaiva kusarudza kwako-iwe ungadai wakaisa. Nenzira imwecheteyo, kana muteresi akakutumira cheke yakatarwa munaJanuary, kutonga kwako kwemari iyo kunotarisana nemiganhu kuitira kuti zvive zvakawanikwa munaJanuary.
Kuwedzerwa Kuwedzerwa Nzira dzeMunhu Akazvipira
- Bvunza vatengi kuti vabhadhara ikozvino. Dana kana kunyora kune vatengi vari kumashure mukubhadhara mavoti ako. Kwete izvi chete zvinowedzera mari, asiwo inochenesa maakaunti ako anogamuchirwa.
- Kumbira zvikwereti zvepamusoro pamapurojekiti achapera gore rino uye rinotevera.
Kana iwe uri mu15-percent musangano bhati gore rino, uye kana iwe unotarisira kuti iwe uchava mu 25-percent bhati gore rakatevera, kukurumidza kuwana mari kune gore rino kunogona kuita kuti iyo mari inotererwa pamutengo wakaderera. Asi pane mabheji-emabhagiko emitero akatevedzerwa nehuwandu hwemari yako yaunowana kuitira kuti uwane mari yakawanda gore ino inogona kuisa pfuma yako kumusoro uye kubva kunze kwe-15-percent bracket. Icho chinhu chekuita kwekuenzanisa kuti uite zvakarurama. Iwe unoda kutora mari yakawanda gore rino sezvinobvira usingabhanisi muchengeti yepamusoro yepamusoro.
Self-Employment Tax
Iwe unoda zvakare kuchengeta ziso pamutero wekuzvitsvaga . Uyu mutero unoumbwa nezvinhu zviviri: Social Security uye Medicare. Kazhinji, vashandi vanobhadhara hafu yemitero panzvimbo yevashandi vavo.
Kana iwe uri wekuzvidzivirira, zvakadaro, iwe unofanira kubhadhara maviri hafu iwe pachako.
Iko 12,4% yehupfumi yehupfumi hwemagariro inomira apo mubhadharo wemubhadhara anopfuura $ 127,200 kubva muna 2017. Funga kuwedzeredza mari kana uri pedyo nepamukova uyu nokuti chero chipi zvacho chaunowana pamusoro pemari iyi chingaregererwa mutero uyu.
Imwe mishonga yeMedare ye 0.9 muzana-pamusoro peyo 2.9-muzana Mutero weMedare unosanganiswa sechikamu chemutero wekuzvitsvaga-unoshandiswa apo mari yako inosvika $ 200,000 kune imwe chete filers kana mutungamiriri wemapepa emumba, $ 250,000 kune vakaroorana vanowirirana pamwe chete, uye $ 125,000 kuti vakaroorana vafunge zvakasiyana. Kana iwe ukanyora pamwe chete nemumwe wako, mutero uyu wekuwedzera unongororwa pamishonga yakawedzerwa yeMedare uye mari inoshandiswa yekuzvipira kune vose vakaroorana. Saka pano pane rimwe shoko renyevero: Kana uri kufunga nezvekuwedzerwa kwemari yekuwana mari, iwe unogona kuedza kuedza kudzivisa kukurumidza kuwana mari yakawandisa, uchizvikwidza pamusoro pechikumbaridzo kune mari yaunowana apo iyi mimwe mitero yeMedare inogona kushanda.
Nharaunda dzeDaferral Strategies for the Self-Employed
- Tumira tsamba dzekuunganidza munaJanuary panzvimbo yaDecember kusundira imwe mari mugore rinotevera.
- Kumbira zvikwereti zviduku zvepamusoro pamapurogiramu anoshandiswa gore rino uye rinotevera.
Kana iwe uri mu 25-percent bracket gore rino uye tarisira kuva mu15-percent bracket gore rakatevera, iwe unogona kusvitsa mari yako mumutengo wepamusoro wekuteresa nekudzorera mari kune gore rinotevera. Vachibhadhari vatori vemitero avo vane mari yavanenge vava pedyo nemiganhu yemutero weMedare unogona kunge uchida kufungidzira kufambisa mari kana ichizovadzivirira pasi pechikumbaridzo chegore rino uye rinotevera.
Nzira dzekushandisa dzinobatanidza nguva yekutsvaga
Vanhu vanozvidzivirira vanodhura zvakabhadharwa zviripo zvakabhadharwa mukati megore, kunyange zvazvo zvimwe zvingabhadhara zvinogona kubhadharwa mushure megore rapera. Semuenzaniso, zvipo kune IRA zvinogona kuvepo kusvika musi waApril 15 wegore rinotevera, uye mipiro yeSeP-IRA inogona kuitwa kusvikira musi waApril 15, kana kusvika munaOctober 15 kana iwe ukatora kuwedzerwa. Nezvimwe zvose zvakabviswa, zvisinei, mari inofanira kubhadharwa mukati megore rekarenda.
Kuchenesa Kutsungirirwa Nzira dzeMunhu Akashanda
- Tenga zvigadzirwa gore rino panzvimbo yegore rakatevera. Makombiyuta, software, motokari, fesheni nemamwe marudzi emidziyo inogona kuderedzwa kwemakore akawanda, iyo iyo pachayo ndiyo nzira yekuderedza kusarudzwa, kana inogona kunyorwa kubva pakarepo uchishandisa chikamu chechirongwa che179. Iwe unofanirwa kuisa iyo midziyo mubasa mumwaka wezvino iwe kana iwe uchishandisa zano iri.
- Stock up on office supplies. Kana iwe uchida zvishoma zvishoma zvakaderedzwa gore rino kuti usakanganise mutero wako wepasi, iyi ndiyo nzvimbo yakanaka yokutanga.
- Funga kubhadhara mabhonasi kuvashandi vako gore rino.
- Funga kugadzira mitero yechina yebhadharo yemitero munaDecember panzvimbo yeJanuary.
Kudzingwa Kunyoresa Nzira dzeMunhu Akashanda
- Bvisai mari yekushandisa mumakombiyuta uye zvimwe zviyero kusvikira gore rakatevera.
- Mirira kusvikira gore rakatevera kuti uende pane zvigadzirwa nezvimwe zvidimbu zvehofisi kana zvichibvira.
- Funga kubhadhara mabhonasi kuvaranda vako munaJanuary panzvimbo yaDecember.
Dzorerai mabhuku enyu neChirongwa Chekuchengetedza Bhuku Rako
Dzokorora hutano hwemari yebhizimisi rako nekambani yako. Vaverengi vazhinji vanokubatsira iwe kuongorora purofisi yako yekurasikirwa uye kurasikirwa kwako uye bhadha rako kuti uone nzira yekupedzisira yemitero yakakodzera bhizinesi rako.
Vashandi vanofanirwawo kuongorora kana ino yavo yekugadzirisa yehurumende yakakwana pane zvavanoda. Pane zvakawanda zviduku mabhizinesi ekugadzirisa software zvinowanikwa kana yako ikozvino yega haina zvinhu zvose zvaunoda kana zvinoda.
Ongorora Purogiramu Yenyu Yokurasikirwa
Vanhu vanozvimirira vane zvingasarudzwa pazvinosvika pamagadziro ekurega basa, kusanganisira SEP-IRAs, SIMPLE IRAs , uye 401 (k) zvirongwa. SIMPLE uye 401 (k) zvirongwa zvinofanira kugadziriswa kana kugadziriswa mukati megore rekarani kunyange kana chirongwa chacho chibhadharwa gore rinouya gore rakatevera. ZVINOGONA zvirongwa zvinofanira kusimbiswa pamberi paOctober 1, uye 401 (k) zvirongwa zvinofanira kusimbiswa musi waDecember 31. Ongorora urongwa hwako hwezvino kuti uone kana iwe uye mari yako yehupfumi yakakodzera pane zvaunoda zvegore rinouya.
Ongorora Sarudzo Yenyu YeChizinesi Chebhizimisi
Freelancers vanowanzozvishandira ivo pachavo pasina hurumende yakarongeka, iyo inowanzonzi se "unincorporated." Izvozvo zvinogona kunge zvakakosha nokuda kwezvaunoda, asi pane zvimwe zvingaitawo, zvakadai sekuumba sangano, kubatana, kambani ine mhosva yekambani, kana imwe sarudzo yakarongeka. Hapana kana imwe-yakakosha-inoenderana-yose mhinduro. Vashandi vezvematongerwo enyika vari kushanda pasi pechimwe chimiro chekugadzira vangada kuongorora kana sangano rebhizimisi rakasiyana rinogona kuva rakakosha kune avo vanobhadhara mutero.
Bumbiro rimwe nerimwe rebhizimisi rine zvaro zvekubhadhara mitero uye zvisingabatsiri. Inogona kunge yakanyanyogadzirisa kugadzirisa bhizimisi rako kana sarudzo yako kana kutarisa mutero kuri kuchinja zvikuru.
Kudzokorora Kunofungidzirwa Mitero Yebhadharo
Iwe unoda kugadzirisa hurongwa hwebhadharo yemitero nekuda kwegore rinotevera. Izvi zvinosanganisira chikwereti chechina chekubhadhara mutero, chinokonzerwa neJanuary 15. Kubhadharwa kwekuwedzera, kana pane, kunowanzoitika nekuda kweKubvumbi 15, uye mutero wokutanga wokubhadhara mutero unowanikwawo musi waApril 15. Mazuva anogona kuwedzerwa nezuva kana maviri mumamwe makore kana musi we15 wemwedzi unowira pamapera evhiki kana kwezororo renyika.
Iva nepfungwa yekutanga yezvikwereti zvako zvemutero zvichave gore rino kuitira kuti iwe uve nemafungiro ekuwanda kwaunofanira kuisa pamusana pemutero wegore negore.