Momwe Mungapangire Misonkho Kwa Nthawi Yoyamba. Kulemba misonkho koyamba kungakhale kovuta. Koma kuchita zinthu mwadongosolo kungakuthandizeni kuti musamapanikizike kwambiri. Kudziwa zolembedwa ndi zinthu zomwe mukufuna ndi malo abwino kuyambira, makamaka ngati mukufunitsitsa kutaya zambiri. Ngati mukukonzekera kumaliza kubweza msonkho, nazi kuwonongeka kwa zikalata zomwe muyenera kusonkhanitsa.
1. Mitundu ya ndalama
Kuti mumalize kubweza msonkho, muyenera kutulutsa mafomu onse amisonkho omwe akuwonetsa ndalama zomwe mudapeza chaka chatha. Muyenera kuwerengera ndalama zanu zonse zamsonkho, kuphatikiza ndalama zomwe mumapeza pa ntchito yodzilemba nokha, phindu la ulova, ndi chiwongola dzanja chilichonse chomwe mudalandira mu akaunti yakubzala kapena ndalama.
Ngati munalemba ntchito chaka chatha cha misonkho, zambiri zamalipiro anu ndi malipiro anu ziziwoneka mu mawonekedwe W-2 . Ndalama zochokera ku chiwongola dzanja, magawo, kapena kudzipangira ntchito zimanenedwa mu Fomu 1099 . Aliyense amene akupereka mafomuwa ayenera kuwatumiza kumapeto kwa Januware. Chifukwa chake, muyenera kuyang'anira bokosi lanu la makalata.
Mukalandira fomu ya W-2 kapena 1099 , ndibwino kuti muwunikenso ndikuwonetsetsa kuti zomwe mukudziwa ndizolondola. Mwinanso mungafune kufananitsa ndalama zomwe mumafotokoza pamafomu anu amisonkho ndi zomwe zidawonetsedwa pamalipiro anu omaliza a chaka (kapena zolemba zanu ngati muli pantchito).
Dziwani kuti IRS mumalandiranso mtundu uliwonse wa W-2 kapena 1099 womwe mumalandira. Chifukwa chake, ndikofunikira kuti muwonetsetse kuti zonse zomwe zili pamafomuwa ndizolondola.
2. Ndemanga ya IRA
Ngati mukusunga ndalama muakaunti yopuma pantchito ( PITANI ), pali zifukwa ziwiri zokhalira ndi zikalata zosonyeza zomwe mudapereka panthawi yamsonkho. Choyamba, mutha kutenga zina kapena zopereka zanu zonse pachaka. Pachaka chamsonkho, mukadatha kusungira mpaka $ 5,500 mu IRA yachikhalidwe (kapena $ 6,500 ngati muli ndi zaka 50 kapena kupitirira). Zopereka zilizonse zomwe mungapereke patsiku lomaliza la msonkho wa Epulo zitha kuchotsedwanso.
Opulumutsa omwe amapereka ku Roth IRA atha kutenga Saver's Credit. Ngongole zimachepetsa ngongole yanu yamsonkho kwa dola yapachaka ya dollar. Pamsonkho wa 2016, mutha kufunsa ngongole yamsonkho kuti musunge mpaka $ 2,000 ngati simuli pabanja (kapena mpaka $ 4,000 ngati mwakwatirana ndikupereka msonkho wobwereza). Kukhoza kwanu kuti mutenge ngongole kumatengera ndalama zomwe mwapeza.
3. Malisiti a ndalama zochotseredwa
Kuchotsa kumachepetsa ndalama zanu zamsonkho pachaka. Amatha kuchepetsa msonkho womwe mumalipira kapena kukulitsa ndalama zomwe mumabwezera. Mutha kutengapo chimodzi kapena zingapo mwa zinthu zotsatirazi pakubweza kwanu msonkho:
- Maphunziro ndi chindapusa
- Chiwongola dzanja chaophunzira
- Ngongole yobwereketsa
- Ndalama zosunthira
- Zowunikira ntchito
- Ndalama zomwe sanalipire
- Ndalama zoyendera bizinesi
- Zopereka zachifundo
- Ndalama za inshuwaransi yaumoyo ngati muli pantchito
- Ndalama zamankhwala
- Misonkho yogulitsa nyumba kapena katundu
Zina mwazinthu izi, monga ngongole za ophunzira kapena chiwongola dzanja chanyumba, mudzalandira fomu yamisonkho pakalata. Kuti mulandire kuchotsedwako, muyenera kuyang'anitsitsa ma risiti omwe akuwonetsa tsiku lowonongera ndalama, kuchuluka kwake, omwe adalipira, ndi zomwe zinali. Popanda njira yoyenera ya pepala, mutha kulowa m'madzi otentha ngati IRS iganiza zowerengera kubwerera kwanu.
Onaninso za msonkho wanu
Mukasonkhanitsa zikalata zanu zonse, mutha kuyamba kulowa manambala pakubweza kwanu msonkho. Kaya musankha kupereka misonkho yanu pakompyuta kapena papepala, mufunika kutsimikizira fomu yanu yamsonkho musanapereke. Kuwerengera molakwika kapena kuyika decimal pamalo olakwika kungawononge msonkho wanu wonse.
Malangizo pakulemba misonkho koyamba
Simungathe kumvetsetsa zinthu zambiri zofunika pamoyo mpaka mutazichita koyamba: kukwera njinga yanu, kupeza ntchito yanu yoyamba, ndi misonkho.
Kusungitsa ndalama zanu zamsonkho ndiimodzi mwamwambo wachikulire womwe ungawonekere kukhala wachinsinsi mpaka mutakhala pansi kuti mupereke fayilo koyamba.
Nkhani yabwino ndiyakuti kusungitsa misonkho koyamba nthawi zambiri kumakhala kopweteka. Amalume Sam atha kumalipira iwe!
Njira yamsonkho imayamba tsiku lanu loyamba kugwira ntchito, mukamaliza fomu ya W-4.
Fomuyi imaphatikizanso tsamba lamakalata lomwe mungafotokozere zambiri, monga ngati mwakwatirana kapena muli ndi omwe mumadalira, ndikupeza momwe mungapemphe ndalama.
Kutengera ndi nambala iyi, abwana anu sangakubweretsereni ndalama zilizonse zolipira, zomwe zimapita kumisonkho yanu.
Mutha kupempha kuti ndalama zina zisamayimidwe pa cheke chilichonse ngati mukuyembekeza kuti mukweze msonkho wapamwamba kwambiri kuposa womwe muyenera kulipira.
Inde, misonkho imalandiridwa chaka chonse, osati pa Epulo 15 lokha.
Kulemba msonkho ndi njira imodzi yokhazikitsira pansi ndi amalume Sam. Ngati simunaletse msonkho wokwanira pachaka chanu, mwina mumayenera kulipira, koma ngati simutero, mudzabwezeredwa.
Bwanji ngati ndinu freelancer?
Kwa ambiri ogwira ntchito mwaufulu, yankho ndi inde.
Ngati ndinu kontrakitala wodziyimira pawokha kapena wogulitsa kampani yaying'ono, muyenera kulipira misonkho pafupifupi kotala kamodzi.
M'malo molandila W-2, anthu odzilemba okha amalandila Fomu 1099-MISC kuchokera kwa kasitomala aliyense wamalonda wopereka malipilo osagwira ntchito. Koma ndi IRS Fomu 1040 iti yomwe muyenera kuyika?
Zimatengera zovuta za misonkho yanu:
- 1040EZ ndi ya okhometsa misonkho m'modzi osadalira komanso alibe ngongole yanyumba omwe akufuna kuti achotsedwe.
- 1040A ndi ya anthu osakwatira kapena okwatirana omwe ali ndi nyumba, okhala ndi omwe amadalira, ndipo akufuna kufunsa kuti angalandire msonkho kapena kuchotsera, komanso safuna kutulutsa zonse zomwe adachotsa.
- 1040 ndi ya anthu omwe ali ndi mabizinesi awo, ali ndi ndalama zobwereka, kapena akufuna kuchotsera.
Pewani zolakwitsa izi
Newbies ngakhalenso omwe amapereka zakale pamisonkho amalakwitsa zinthu zomwe zimachedwetsa kubweza msonkho kapena kuyambitsa kuwunika koopsa kwa IRS.
Osapereka . Ngati ndinu fayilo imodzi ndipo mwalandira ndalama zoposa $ 12,200 mu 2019, muyenera kulemba fayilo yamsonkho. Ngati simupereka, sikuti pali zilango zokha, komanso mutha kutaya ndalama ngati abwana anu sakukubwezerani msonkho pamalipiro anu.
Lembani kubweza popanda kukhala ndi zikalata zofunika. Ngati simunene za ndalama zanu ndi zomwe mumagwiritsa ntchito molondola, mutha kumalipira ndalama zochulukirapo kuposa zomwe muyenera.
Choyipa chachikulu, ngati IRS ikukuwunikirani ndikupeza cholakwika pamisonkho yanu, mutha kulipiritsa chindapusa cha 20% pamwamba pa msonkho uliwonse womwe mukuyenera.
Kulephera kufotokoza pansi pazoyenera . Kulemba pansi pazolakwika kungakhale kokwera mtengo. Mwachitsanzo, ngati ndinu kholo limodzi lokhala ndi mwana womudalira, mwina sizingakhale bwino kuti mupewe osakwatiwa, omwe amachotsera $ 12,200. Ngati mukuyenerera kukhala mutu wanyumba, ngati mukuyenerera, mudzalandila $ 18,350 yabwinoko.
Osatchula mwatsatanetsatane pomwe mungathe . Ngati mwakhala mukuwononga ndalama zambiri, kuyimitsa zinthu mwina kungakhale njira yanzeru kuposa kupita ndi kuchotsera koyenera. Zinthu monga ngongole zamankhwala, chiwongola dzanja chanyumba, ndi zopereka zachifundo zitha kukhala zochulukirapo zikalembedwa.
Osanenetsa ndalama zanu zonse . Ngati mupanga ndalama mopitilira muyeso, kusapereka lipoti la ndalama kumatha kubweretsa mavuto ku IRS, ndipo mwina simungathe kufunsa zolipira zina zomwe zingachepetse msonkho wanu. Mwachitsanzo, ma driver a Uber amatha kutenga ndalama zoyendetsera galimoto monga gasi, mafuta, inshuwaransi, kukonza, ndi zina zambiri.
Tumizani misonkho panokha ngati simukudziwa momwe mungachitire . Mukayika misonkho molakwika, mutha kutaya ndalama ndikukakumana ndi mavuto ndi IRS. Ngati mukufuna thandizo, onani katswiri - ndi njira yotsika mtengo yopanda ululu yoperekera misonkho molondola. Ndiponso, mapulogalamu amakono amisonkho amachititsa njirayi kukhala yosavuta.
Zamkatimu