Momwe Mungagwiritsire Ntchito Bonasi ya Tchuthi

Chitani Ichi, Osati Ndi Bonasi ya Tchuthi

Nyengo ya tchuthi imabweretsa chimwemwe chochuluka koma ingathenso kubweretsa mavuto azachuma ngati muli pa mapeto a kulandiridwa kwa bonasi ya antchito. Anthu makumi asanu ndi atatu mphambu atatu mwa anthu 100 alionse omwe amagwira ntchito ndi olemba masenjala adanena kuti apanga kupereka bonasi mu 2017, malinga ndi A Accounting Principals. Ambiri omwe amapatsidwa ndalama za bonasi akuyembekezeka kukhala $ 1,797.

Kupeza bonasi kungakuthandizeni kuthetsa nkhawa zina zomwe mumadzifunsa kuti mudzapereke bwanji mphatso za tchuthi koma si njira yokhayo yomwe mungayigwiritsire ntchito.

Pali njira zingapo zomwe mungagwiritsire ntchito bonasi ya tchuthi. Ndi njira yolondola, mutha kulandira mphotho za bonasi ya tchuthi chaka chonse. Nazi momwe mungachitire.

Gwiritsani ntchito bonasi kuti mulipire ngongole ya Tchuthi

Makhadi a ngongole angakhale njira yabwino yoperekera maholide ogula koma angabweretse mavuto mu Chaka Chatsopano. Mu 2016 Kuwonjezera Kufufuza Ndalama, Achimereka omwe anawonjezera ku ngongole yawo ya ngongole pamasiku a tchuthi adakula zomwe analipira ngongole ya $ 1,003 pafupipafupi.

Ngati bonasi yanu ya tchuthi ikugwirizana ndi $ 1,797 pafupipafupi, mukhoza kuchotsa ngongoleyo ya ngongole ndipo muli ndi chinachake chotsalira. Ngati mukufuna kulipira bonasi kwina kulikonse, ganizirani kusuntha ndalama yanu ku khadi ndi mlingo wapansi. Kuchepetsa kuchuluka kwa chiwongoladzanja pa ngongole kungakupulumutseni ndalama, pamene mukulolani kuti mulilipire mwamsanga.

Pewani Kukwera Pamwamba ndi Kupuma Kwawo

Gawo limodzi la magawo atatu aliwonse a ku America alibe chilichonse chopulumutsidwa pantchito, pamene 55 peresenti ali ndi ndalama zosakwana $ 10,000 zomwe zimaperekedwa kwa zaka zawo.

Ngati ndalama zanu zapadera zimakhala zochepa kuposa momwe mumafunira kuti zikhale, bonasi ya tchuthi ndi mwayi waukulu kwambiri wosintha.

Ngati mulibe akaunti yapuma pantchito, mwachitsanzo, mungagwiritse ntchito bonasi ya tchuthi kuti mutsegule. Muli ndi zisankho ziwiri: mwambo kapena Roth IRA. Ndi ndondomeko ya IRA, mutha kupereka ndalama zomwe mumapereka pachaka, mpaka malire a pachaka.

Zotsalira zimachepetsa ndalama zomwe mumatha kulipira, zomwe zingakuthandizeni kuchepetsa msonkho wanu wa msonkho ngati muli mukhwima la msonkho wapamwamba.

Ndi Roth IRA, palibe malipiro a zopereka koma mumaloledwa kupereka ndalama zoyenera pantchito yopuma pantchito. Izi zingakhale zopindulitsa kwambiri ngati mukuyembekeza kuti mukhale ndi ngongole ya msonkho wapamwamba mukakhala pantchito. Ndipo, ngati mukupeza ndalama zochepa tsopano, mungathe kuwonjezerapo mwayi wina podzinenera kuti Mwini Wopereka Chotsalira Pakhomo pamene mukupereka ku Roth IRA. Credits amachepetsa msonkho wanu wa ndalama pa dola-to-dollar maziko, zomwe zingabweretse misonkho yapansi kapena ndalama zambiri.

Limbikitsani Chitsime Chanu Chodzidzimutsa

Ndalama yosayembekezereka ingakhale ndalama zachuma pamene ndalama zosayembekezereka zimachepetsa zolinga zanu. Komabe, 57 peresenti ya a ku America ali ndi ndalama zopitirira $ 1,000 ku banki chifukwa cha mvula. Ngati mungapulumutse bwino kuposa kupatula bonasi ya tchuthi, mungagwiritse ntchito kudumpha nkhani yanu yowonjezera ndalama.

Koma ndi malo ati abwino omwe mungasunge bonasi? Akaunti yowonongeka nthawi zonse imapereka mwayi wotetezeka, koma mabanki achikhalidwe amapereka chiwongoladzanja chochepa. Ngati mukufuna kulima ndalama mwamsanga ndipo simungalephere kuyendera nthambi, akaunti yopezera ndalama zambiri kuchokera ku banki ya intaneti ikhoza kukhala njira yabwino.

Ingokumbukirani kuti muwonenso mitengo ya chiwongoladzanja, malipiro ndi zosankha zomwe muli nazo zopezera ndalama zanu zosavuta mukamazifuna.

Yambani Ndalama Yanu Yodzipereka Pakhomo Lanu

Ngati kugula nyumba kuli mtsogolomu, mungafunike ndalama zina kuti musindikize. Chinthu chachikulu cha izo chimakhala pa malipiro anu. Mu kafukufuku wa Zillow, oposa awiri pa atatu aliwonse omwe adapeza ndalamazo adanena kuti kusowa ndalama zolipira ndilo vuto lalikulu lomwe likuyimira njira yogula nyumba.

Funso ndilo, ndalama zochuluka bwanji zofunikira kuti muthe kulipira? Ngakhale kuti 20 peresenti ndizochita zamalonda, ndizotheka kugula nyumba yosachepera. Ngongole ya FHA, mwachitsanzo, imakulolani kugula ndi 3.5 peresenti ya mtengo wogula pansi. Kwa nyumba ya $ 200,000, ndi $ 7,000. Kuwonetsa bonasi ya tchuthi kuti mutenge malipiro angakupangitseni masitepe pafupi ndi maloto anu ogula nyumba.

Gwiritsani Bonasi Kuti Muchite Zabwino

Maholide ndi nthawi yabwino kubwezera ena. Ngati ngongole yanu ikuyang'aniridwa ndi ndalama zanu zili pamsewu, mukhoza kugwiritsa ntchito bonasi ya tchuthi popereka ndalama zomwe mumakonda. Kuphatikiza pa kuchita zabwino, mungathe kulandira phindu la msonkho mwa njira yochepetsera zoperekazo. Internal Revenue Service amakulolani kupereka ndalama zopitirira 50 peresenti ya ndalama zanu zosinthika.

Kumbukirani, komabe, muyenera kuti itemize kudandaula kuti mupereke chithandizo. Ngati nthawi zambiri mutengapo mbali, mungathe kupereka zopereka koma sipadzakhala phindu la msonkho. Ndipo kumbukiraninso kuti ngati mupereka bonasi ya tchuthi, mungafunike mndandanda wothandizira kuchokera ku bungwe lomwe mumapereka kwa msonkho.

Dzipange Wekha

Kudzisamalira nokha ndi njira imodzi yomaliza yokhala ndi bonasi ya tchuthi, koma patula nthawi yoganizira zomwe zingapindule kwambiri. Mungathe kupita kumalo osungirako malonda, mwachitsanzo, koma mukhoza kupeza zambiri kuchokera pa bonasi mwa kuzigwiritsa ntchito kuti muwonjezere luso lanu kapena mukhale ndi bizinesi yotsatira pambali pa gig yanu 9 mpaka 5. Mwinanso, mungayambe kugula masewera olimbitsa thupi kapena masewera olimbitsa thupi kuti mukhale ndi thanzi labwino. Kuganizira zolinga zomwe mukufuna kukwaniritsa pa Chaka Chatsopano kungakuthandizeni kusankha momwe mungagwiritsire ntchito bonasi ya tchuthi.