Sano rakanaka rinogona kufamba nenzira yakareba kuti kuderedza mitero
Makore akati apfuura apo ndakanga ndichigadzirira kudzorera mutero kune vakaroora vaviri mugore regore ra2013, ndakaona kuti vaine mvumo yekutengesa mutero. Vaikwanisa kuderedza mitero yavo yekubhadhara mari yepamusoro kuburikidza nekuva nemusha unozvininipisa, kuisa vana kuburikidza nekorojiji, nekuchengetedza kubhadhara.
Inonzwika yakakwana, asi nhamba idzi dzinoshanda sei? Kushandisa gore ra2013 mutero IRS miganhu uye mitero yemitero yaive yakashanda panguva iyoyo, hezvino mamiriro edu atakaderedza mari yavanobhadhara.
Kuti uone kuti mazano aya angashanda sei kwauri, iva nechokwadi chekutarisana newebsite ye IRS kune yakawanda kusvika kusangano rezvemitero yemitero.
Mutero Wechikwereti 1: Chengetedza Purogiramu ye 401k
Ngatitange nehuwandu hwavo. Vakaroorana vari kutumira mutero wekubatana uye vane vana vatatu: maviri mujijiji uye mumwe kuchikoro chesekondari. Pakati pevari vaviri, vanowana $ 76 500 muhomwe. Mumwe nemumwe anosiya $ 5,000 muzvigadziro zvavo zvekuchengetedza mari ye 401k , izvo zvinoderedza mitero yavo inobhadharwa ne $ 10 000. Iye zvino, vaviri vacho vari kutengesa chete pa $ 66 500. (Izvi zvinoitikawo kuti ndiyo yakagadziriswa mari yakawanda .)
Mutero weTero 2: Tenga Imba & Itemize Kubviswa Kwako
Nemhaka yokuti vane imba, vaviri vacho vanokodzera kuti vaite zvido zvavo . Kunze kwekubhadhara chikwereti chemadhora makumi matanhatu nematanhatu, vaviri vacho vanewo mitero yematoro (imwe $ 5,000), zvipo kukereke yavo (inodarika madhora 3,700), uye rega tisakanganwa mitero yemitero yaive yakachengetwa pamitero yavo ($ 2 500).
Zvitsauridzo zvadzo zvakagadzirirwa kusvika pa $ 27,200. Izvi, zvakare, zvinoderedza AGI yavo kubva ku $ 66 500 kusvika ku $ 39,300.
Vashandi vanogona kuderedza mari yavanobhadhara ne $ 19,000 pamusana pevashanu vavo vasingabhadharwi . Kuregererwa kwevanhu pachavo ndeyemari yakaenzana yemumwe mutero wemutero uye anotarisirwa kuratidzwa pamutero wokubhadhara.
Kwegore ra2012, kuregererwa kwomunhu pachake kuri $ 3 800, nguva yevanhu vashanu (murume, mukadzi, uye vatatu vanovimba) inokwana $ 19,000. Kuregererwa kwomunhu oga kunoshanda sekuderedzwa pakuti izvi zvinoderedza mari inotora mari inoshandiswa.
Mushure mokubvisa kusunungurwa kwavo pachavo, mari yacho inowanikwa mari inosvika $ 20,300. Iyi ndiyo mari iyo inotora mari yomutero inotarirwa. Kushandisa mutengo wemutengo wegore ra2012 kunovapa mutero wemari ye $ 2 175. Tinocherechedza kuti vaviri vacho vanowira mu 15% yebhasikiti yemutero zvichienderana nemari yavo inotengesa kune vakaroorana vanyoresana pamwe chete. Kwegore ra2012, yekutanga $ 17,400 yekubhadhara mari inotengesa inobhadharwa pamutengo we 10%. Ita 15% yebhasikiti yemari inoshanda kune mari inotengesa inopfuura $ 17,400 kusvika ku $ 70,700. Kunyange zvakadaro mari inobhadhara mari inosvika $ 20,300 chete, Saka iyo 15% inoshandiswa chete pamari iyo iyo inowanikwa mari inotengesa inodarika $ 17,400, iyo ndiyo mugumo weka 10% yebhaketi. Mari yakabhadhara pa15% iyo inodarika $ 2,900, zvichiita kuti $ 435 mutero kuverengwa. Kubatanidza zviyero kubva kune 10% uye 15% yemitero yemitero, vaviri ava vane mari yemutero wemari ye $ 2 175.
Mutero Wemitero 3: Kushandisa Mitero Yemitero Kurasirira Mitero Yako
Vana vavo vaviri vanoenda kuchikoro. Mwanasikana wavo mukuru ndiye mukuru muyunivhesiti yenyika, uye mwanakomana wavo, wechipiri mukuru, akanga ari mutsva mune imwe yunivhesiti yenyika.
Kwegore ra2012, vane mukana wokusarudza pakati peHupenyutime Learning Credit kana American Opportunity Credit . Vaviri vacho vakashandisa $ 15,000 pamudzidzi wekudzidzira uye $ 5,000 pamudzidzi wavo wechikoro chegore. Vaviri vacho vanogona kusarudza pakati peHupenyu Time Learning Credit inobhadhara 20% yekutanga $ 10 000 yekudzidzira mari yekubhadhara (kune chikwereti chikuru chemadhora 2 000) kana yeAmerican Opportunity Chikwereti chinobhadharwa kusvika $ 2 500 pamutengo wekutanga $ 4,000 wemari yekudzidzira yekudzidzira, iyo inosanganisira zvidzidzo zvedzidzo pamwe nechikoro.
Pamwe kuunganidzwa kwekwereti yemitero yepamusoro-soro kunogona kubvisa zvachose mari inokwana madhora maviri nemakumi maviri nemakumi mashanu emutero wemari. Asi mumamiriro avo, American Opportunity Credit yakashanda zviri nani, sezvo 40% iyo mutero wechikwereti inobhadharwa. Nezvikwereti zviviri zveMikana yeAmerica pamadhora mazana maviri emadhora, ndiwo $ 5,000 mumitero yekubhadhara.
Makumi makumi matanhatu kubva muzana yemari iyo, kana $ 3000, inokanganisa mari yavo yezvemari yepamusoro ye $ 2 175. Ichi chikamu cheAmerican Opportunity chikwereti hachiri chekodzero, saka chikamu ichi chemutero wechikwereti chinoderedza fesheni yavo yekubhadhara mari kune zero, asi kwete pasi pe zero.
Asi makumi mana kubva muzana yemukana wavo weAmerica mukana wekubhadharwa, saka $ 2 000 zvechikwereti icho chakanga chabatwa sokunge chaiva mutero wekubhadhara. Kubhadhara mari yechikwereti basa sekuregererwa uye kumwe kukwereta kwemitero, uye chero mari yakawandisa pamusoro pemutero wemutero wemutero inobhadharwa ne IRS. Kune vaviri ava, vakagamuchira mari yekubhadhara mutero yaive $ 2,000 yakakwirira kudarika mutero wemutero wavakabhadhara kuburikidza nekudzivisa.
Mutero Wemitero 4: Ruramisa Zvaunenge Usingaiti Uye Udzose Mari Yako Yekubhadhara Nokuchenjera
Saka, vaviri vacho vanowana mari yakazara yekubata kwavo kwose, pamwe chete nemari yakawedzera kubva muchikamu chinodzokorora cheAmerican Opportunity Credit. Vakasarudza kushandisa chikamu chekudzorera kwavo kuzarura Roth IRAs kumurume nemudzimai (kusvika pa $ 5,000 imwe neimwe yegore ra2012), uye kuisa zvimwe zvacho muzvikwata zvebhengi zvakawanda zvekuisa mari yekasikana wavo muduku kudhikoro.
Sezvaunogona kuona, dzimwe nguva kutora mapato chinhu chakanakisisa. Nokuva neimba, kuisa vana vavo kuburikidza neyejijiji, nekuchengetedza kubhadhara, vaviri ava vakakwanisa kubvisa mitero yavo yemutero.