Nekugadzirira, unogona kuwana zvakawanda kubva pakurongwa kwako kwekodzero yakare
Ngatitarisei pane zvakarongerwa hurongwa huripo (hunonzi NQDC kana kuti kwete-yakakoderedzwa kubhadharwa mari), maitiro avanoita, uye kuti ingashandiswa sei zvakanyatsonaka kana ichionekwa mumamiriro eurongwa hwehupenyu hwepamberi hwekubvisa mari.
Nzira yako yakakanganiswa yepl plan inoshanda sei
Purogiramu yega yega yakarongwa yakasiyana. Chirongwa chimwe nechimwe chine chirongwa chehurongwa chepamutemo chinotsanangura mitemo yeurongwa urwu. Iwe uchada kukumbira kopi yemurongwa wepurogiramu yako kuti uwane mazwi chaiwo ehurongwa hwako. Pane zvinhu zvitatu zvikuru zvaunoda kuzive pamusoro pezvakanyorwa zvakagadziriswa.
- Mari Inopinda Sei Mukurongwa?
- Mafisiro akaita sei Taxed
- Mari Inobviswa sei muChirongwa
Mari Inopinda Sei Mukurongwa?
Zvimwe zvirongwa zvinobvumira mushandi uye mushandi kupa; vamwe vanobvumira rudzi rumwe chete rwechipo.
- Mipiro yevashandi - Kana ukasarudza kurega chikamu chemari yako kana bhonasi, uchazadza fomu yekunyora kana kubatsirwa fomu yesarudzo. Iwe uchajekesa mari yaunoda kuisa muurongwa, uye iwe unofanirawo kutora zuva rekubhadhara remangwana. Nekugadzirira kwakanaka, unogona kusarudza zuva rekubhadhara richazorongedzwa neurongwa hwehupenyu hwepamberi hwekubvisa mari.
- Mipiro yevashandi - kana paine vashandi kupa mishandi wako achakuudza iwe kuti ndezvipi uye zvipi zvingafanirwa kuitwa (zvakadai sekubatsira mitric) kuitira kuti kambani ikwanise kuita mipiro iyi.
Mafisiro akaita sei Taxed
- Mipiro yevashandi - Muchabhadhara FICA (mitero yemitero) pamutengo waunoisa muurongwa. Mitero yemitero ichabuda kubva kune chikamu chebhadharo yako isingatauri muurongwa.
- Mipiro yevashandirwi - Nemipiro yevashandi, FICA mitero inowanzobhadhara panguva yaunopfeka mune zvipo. Mipiro yevashandi inowanzotarisirwa purogiramu yekugadzirira - zvinoreva kuti unofanira kugara nemushandirwi kwenguva yakatarwa yekukodzera kugamuchira mari yose yavakapa iwe. Nokudaro kana iwe uchibva mangwanani iwe haungabhadhara mutero weFICA pane chero zviyero zvausina kumbosangana nazvo zvinoda kuwanikwa.
Nekupi kwechipo chemupiro, pane IRS iwe haungabhadhari mitero yeFICA pane chero upiwe wekutsvaga mari inowanikwa muurongwa hweNQDC, asi iwe uchabhadhara mutero wemari pamaparidziro paanobuda muurongwa uye ari kubhadhara kwauri. Iyi ndiyo iyo mikana yekuronga mutero inozviratidza ivo pachavo - nenzira iyo yamunosarudza kuti mari ichabuda sei muchirongwa.
Mari Iyo Inouya Sei?
Panguva yaunoisa mari muchirongwa chako chakakonzerwa iwe unofanirwa kusarudza kuti sei uye ichabhadhara sei. Nguva zhinji iyi ichisarudzo chisingachinji (zvinoreva kuti haugoni kuzvishandura gare gare) uye chekutanga chekubhadhara kokutanga inowanzobvumirwa kuitika makore matatu kubvira pagore iwe unoisa mari yacho muchirongwa.
- Chikwata chemafu - Mamwe mazano anongopa chete mari yemari yakasarudzwa. Somuenzaniso, iwe unogona kusarudza mari yemari inofanira kubhadharwa kwemakore mashanu, makore manomwe, kana makore gumi kubvira pagore iwe unotarisa mari.
- Mahedheni ekubhadharwa - Mamwe mapurogiramu anopa sarudzo yemari yekubhadhara kunze kwechigadziriso - somuenzaniso pamusoro pemakore gumi emakore inotanga makore mashanu kubva nhasi.
Iwe unoita sarudzo yekubhadhara kwegore rimwe nerimwe remipiro kurongwa.
Nezvimwe zvirongwa iwe unogona kusarudza zvakasiyana-siyana zvekubhadhara mari yezvipo zvakasiyana siyana zvezvipo; somuenzaniso, mubhadharo wekubhadhara kunze kwezvako zvakaderedzwa uye chikamu chemari yekubhadhara kune waunopa mupiro akaenzana.
Kuchinja sarudzo yako yekubhadhara
Kunyange zvazvo sarudzo dzekubhadhara dzingafungidzirwa kusingagoneki - kakawanda, iwe unogona, zvechokwadi, kuchinja-asi iwe unokwanisa kuchinja huchauya nemiganhu.
Semuenzaniso pano nderokuti imwe huru yakarongedzerwa purogiramu inorondedzera iyo, "Unogona kudzorera zuva rako rekubhadhara asi unofanira kupa chiziviso mwedzi gumi nemaviri musati wapera zuva rekupararira.
Uye zuva idzva rinofanirwa kuva rinenge makore mashanu mushure mekutanga zuva rakarongwa. "
Mukuwedzera, zvimwe zviitiko zvinogona kuita kuti kugoverwa kuchaitika zvakasiyana pane zvawakasarudza. Muchirongwa chako, izvi zvinogona kutumidzwa sechiitiko chinokonzera kana kuparadzira kushandiswa.
Inokonzera kuparadzirwa
Zvirongwa zvepurogiramu yako ichajekesa kuti mari yako ichabhadhara sei zvichienderana nerudzi rwekuita chiitiko. Zvinhu zvinogona kuita kuti kuparadzirwa zvive:
- Kurega basa
- Kuguma
- Rufu
- Kugoverwa kwekukurumidza kana kuremara
- Kuchinja kwekutonga
Somuenzaniso, kana iwe wapedzeswa chirongwa chako chinogona kugovera chikwereti chakapiwa mukati memazuva makumi matanhatu. Kana paunenge uchirasikirwa, mari yako yakasarudzwa yemari yegore rose ingangoerekana yatanga kunyange zvazvo yakanga isina kurongwa kutanga kune mamwe makore mashanu.
Chirongwa chimwe nechimwe chinogadzirisa mazwi ake kuitira kuti iwe unofanira kutarisa pane yako gwaro kuti uone kuti chirongwa chako chinoshanda sei.
Kugoverwa kwakarongwa
Kana iwe ukaronga mhedziso yenguva yako yemberi inotarisirwa kubhadhara mari yepamusoro usati wasarudza mazuva ako ekubhadharwa kubhadhara komutengo iwe unogona kukwanisa kusarudza mazuva ekubhadhara angangoitika mumakore apo mamwe mahedheni emitero inoshandiswa yakaderera.
Somuenzaniso, ngatiti iwe une 401 (k) muyero wakaenzana. Paunosvika makore makumi manomwe ½ iwe uchafanirwa kutora zvakaderera kugoverwa uye izvi zvichaita kuti uwane mari inowanikwa. Kana hurongwa hwako huchibvumira iwe unogona kudikanwa nekodhi yako yakarembera kubhadhare mumakore gumi ekubhadhara zvikwereti kubva kune makore 60 kusvika ku70. Apo purogiramu yako yakaderedzwa yekubhadhara inoguma ipapo zvaunoda kugovera zvinotanga.
Vanhu vakawanda kwazvo vanopedzisira vava nemari yekubhadhara inoitika semari yemari uye kuti mari yakawanda inowanzovamanikidza kuti vave mubhaketi yakakwirira yepamusoro mugore iroro rekare. Kudai vainge vasarudza mubhadharo wekambani ivo vangangoderedza kuderedza mutero wavo pamitero ye 10 kana 15%.
Kunyange kana pasina mikana yekuchengetedza mitero, chirongwa chokubhadhara mari chinogona kukuratidza huwandu hwekuteverwa kwemutero uchazoita gore negore kubva pane chaunosarudza chobhadhara.
Zvimwe zvinofungidzirwa - zvakabhadharwa kana zvisina kubhadharwa
Zvimwe zvirongwa zvekushandiswa zvinouya nenzira dzakawanda; rudzi rumwe rweurongwa rwakagadzirirwa kubatsira vatevedzeri vepamusoro. Izvozvi zvirongwa zvinogona kunzi mazano ehupamhi yepamusoro kana SERPS (kubhadhara mitemo yehupfumi yepamusoro) kana, kubhadhara zvakanyanya kana kubatsiridza zvirongwa zvekuenzanisa.
Pari ye IRS dzakadaro dzakarongedzwa zvirongwa zvisingabhadharwi - zvinoreva kana chimwe chakaipa chichiitika kune kambani iyo mari inogona kuzviisa pasi pevimbisi vekambani. Kana iwe usina chokwadi nezveramangwana rekambani iyi inogona kuva chikonzero chekusarudza kuti zvose zvinoderedzwa zvingabhadharwa kwauri muhomwe yemari pamusi wekutanga iwe unogona.
Pasi rezasi: nebhadharo yekubhadhara yakarembera, kuronga kunogona kukubatsira kuwana mari yakawanda-mushure mutsva kubva purogiramu.