Ita kubhadhara mitero yako yegore rimwechete inofungidzirwa nyore nyore nekugara uchiine mari mubhangi.
Paunenge uchishanda, mubhadharo wega wega apo waunoshandira anotumira chikamu chebhadharo yako kuhurumende uye hurumende yemitero yekubhadhara mari, Social Security uye Medicare mitero. Hazvina kudaro, nokuda kwekambani yekuzvimirira, kana freelancer, kubva kwaari pasina mutero inowanzochengetwa.
01 - Vashandi vechikoro havafaniri kubatisisa mari iyoyo yakawedzerwa kwenguva refu.
Vanowanzodiwa kuti vaite mutero wokubhadhara mutero , kazhinji pavanenge vatatu. Asi sezvo zvizhinji zvezvikwereti zvedu zvinouya kumwedzi wega wega, kutengesa kwegore roga roga kunogona kunetsa!
Kugadzira hurongwa (uye kunamatirana nayo) kuchengetedza kwemitengo yegore rimwe chete kunogona kukubatsira kuti urambe uri munzira. Pashure pezvose, kana iwe ukachengetedza zvakanyanya, chakaipisisa chinogona kuitika ndechekuti iwe wakabhadhara mari yakanaka yekubhadhara mutero!
Dhura pasi kuti uone mazano mana ekuziva kuti iwe unogara uine zvakakwana kubhadhara mitero yako.
02 - Ita kuti kuwedzerwa kwemwedzi kune imwe kero yekuchengetera
Munzira iyi, iwe gwaro rekubhadhara mitero sekune zvimwe zvinodhura. Kazhinji paunotora mitero yako gore roga roga, unogona kuverenga mitero yako yegore roga roga panguva iyoyo. Cherechedza mari yakawanda pamwedzi waunoda kuchengeta kuti ugare uine zvakakwana apo mitero yegore roga roga inokonzerwa.
Asi sezvo "mubhadharo" wega wega wekodha rako rekuchengetedza, iwe unofanirwa kurangwa kana uchizviita. Kana iwe usingarangwi nekuchengetedza uye kazhinji kasava neakaunti yako yekuchengetedza, ivai nega ega yega iwe usati wambobata kunze kwemitero.
Cherechedza: Unogonawo kubhadhara mitero yako kune hurumende pamwedzi wega wega, asi kukanganiswa kweizvi ndechokuti uri kutendera hurumende kuchengetedza mari yako kwenguva refu pane kuwana mari yako pachako. Uyewo unogona kudikanwa kuita mari mbiri pamwedzi - imwe kune hurumende yehurumende uye imwe yehurumende yehurumende.
03 - Tumira chikamu chebhadharo yega yega kune imwe kero yekuchengetedza.
Kana iwe waunoshandira mari yako uchingopera zvishoma, kuendesa chikamu chebhadharo imwe neimwe muakaunti yekuchengetedza kunogona kuva yakakosha kupfuura inowanikwa pamwedzi. Zvisinei, iva nechokwadi chokuti uri kutumira zvakakwana. Yeuka kuti iwe unofanirwa kubhadhara mutero webasa rako (Social Security uye Medicare) weenenge 15 kubva muzana, kuitira kuti pamwe nezvose zvaunofunga nehurumende uye hurumende (kana zvichibvira) mutero wekutambira mutengo ndiyo mari yakawanda yekurasa.
Iwe unogona kunge wakabhadhara izvo zvingaderedza mari yako yega-yega yebasa uye mitero munguva refu, asi zvichienderana nekuti iwe unogadzira sei mari yekubhadhara, iwe unogonawo kubhadhara mitero mune chechina apo mari yako yaive yakaderera kana isina. Saka zviri nani kubvisa zvinopfuura iwe zvaunoda, pane zvishoma.
04 - Itai kuti mutero wenyu wekubhadhara unoshandiswa kune mitero yegore rinotevera.
Iyi nzira inoderedza mararamiro ako emitengo inotarwa kwekota, zvichiita kuti zvive nyore nyore kuita zvikwereti izvozvo. Asi yeuka, uri kubvumira hurumende kubata mari yako kwegore. Mune maitiro maviri apfuura waive uchiwana chido pamari yako. Kwete zvakadaro pano. Zvisinei, kana iwe usina kukanganiswa pamusoro pekuponesa, iyi ingave nzira yakachengeteka yokuenda.
05 - Iva nemutero wemari yakawanda wakachengetwa kubva pane imwe mari yebasa.
Saizvozvowo, kurega huwandu hwemitero kubva pane chero mari yebasa iwe iwe-kana wako wako-kuwana zvinoreva hurumende inofanira kuchengetedza mari yako kwenguva refu. Uye kana uchinge uine chikwereti chakawanda federal kana hupfumi hwako, zvingadiwa kuti iwe uite mitero yegore rimwe chete.
Zvisinei, iyi inogona kuva nzira isina tsitsi ye "kuponesa" pamitero. Paunozadza W-4 wako , unogona kugadzirisa zvipo zvako kuitira kuti iwe wakanyanyisa kubvisa kana iwe unogona kungotaura chechimwe chekuwedzera iwe waungada kuchibvisa kubva pamari yako. Hazvina mhosva kuti uyu mubhadharo hauna kuwana semakonkondi akazvimiririra. Paunenge uchifunga kuti zvakanyanya sei kuregera, usakanganwa mitero iyo yaunoshandisa pabasa. Paunenge uri wega, iwe uri kubhadhara nemitero yako yemari (zvisingafani nebasa ravanouya naro zvakasiyana semutero wemitero) saka kuregererwa zvakanyanya kuchavafukidza.
Zvinonzwisisika
Ini handiri muteresi wemutero, CPA kana kuti musarudzo wokugadzirira mitero. Izwi iri pano rinorehwa semutungamiri mukuru. Kuti uwane mibvunzo yakananga pamusoro pemitero yako, tapota taura kune IRS mabhuku kana kubvunza mutori wemitero.