Umxholo
Ukutshata okanye ukungatshati lukhetho lomntu. Nangona kunjalo, ukujonga iindleko eziziswa ngumtshato, uninzi luthanda ukuhlala ngaphakathi okanye ubuchwephesha. Oku akuyonyani ngokupheleleyo. Nazi iinzuzo zemali emtshatweni ngokungathi kukho inkululeko ebandakanyekayo kubuchwephesha.
Uluhlu oludweliswe ngezantsi zezibonelelo zomtshato ekufuneka uzazi.
Iinzuzo zokutshata
1. Izibonelelo zokhuseleko loluntu
Izibini ezitshatileyo zinandipha izibonelelo ezithile zokhuseleko lwentlalo.
Njengaye, nobabini ninelungelo lokufumana isibonelelo somtshato xa uthatha umhlalaphantsi nobabini ukuba omnye wenu ukhubazekile. Ukongeza koku, inzuzo yexhoba iqinisekisa ukuba uyayifumana intlawulo de uphile emva kokuba uswelekelwe liqabane lakho.
Elona candelo lililo kukuba unelungelo lokufumana izibonelelo zomtshato ngaphandle kokusebenza okanye hayi. Ifuna nje ukuba iqabane lakho lisebenzele isixa seminyaka esifunekayo ukufumana izibonelelo zomtshato.
2. Ukuguquguquka kwemali
Xa unomthombo omnye wengeniso, ukulawula iindleko zasekhaya kuya kuba nzima. Oku kwandiswa kwanaxa uthatha imali mboleko.
Xa utshatile, kwaye bobabini bayarhola, umthombo wengeniso uphindwe kabini kwaye ukuhlela izinto zemali kuya kuba lula. Ungathatha imali mboleko ngokudibeneyo, ugcine imali eyoneleyo yokuhlawula iimali mboleko zangaphambili, ukuba zikhona, kwaye unakho ube nendlela yokuphila engcono.
3. Ingeniso yerhafu yengeniso
Ngelixa kuyilwa i-slabs zerhafu, amagosa aqinisekisa ukuba abarhafi bosapho abarhola kancinci okanye abanomvuzo ophakathi ababi luxanduva lwerhafu eninzi. Yiyo loo nto ufumana izibonelelo ukuba utshatile.
Kule nto, iintsapho ezifumana umvuzo omnye zinokonwabela isibonelelo njengoko ingeniso ingaphantsi kwebracker yerhafu. Ngokunjalo, iintsapho ezifumana umvuzo emibini zinokuvuna iibhonasi kwimeko apho ukungangqinelani kwintlawulo kubungakanani obufanelekileyo.
3. Ukhuseleko lwezezimali
Sixoxe ngentla ngendlela abantu abatshatileyo abanokonwabela ngayo izibonelelo zentlalo ngokuchaseneyo nabantu abangatshatanga. Ngokufanayo, xa utshatile, wena bonwabele ukhuseleko lwezezimali njengokuba.
Umzekelo- Masicinge ukuba niyasebenza nobabini. Kwimeko enjalo, awunakukhathazeka ngezezimali konke konke, nokuba omnye wenu uphakathi kwemisebenzi. Kuhlala kukho ukungena kwemali ekhayeni.
Kubantu abangatshatanga, kufuneka bazikhathaze ngezinto ukuba baphakathi kwemisebenzi. Kumakhaya abo, baya kulawula iindleko zabo bebodwa.
4. Ukonga
Ukuba ungathelekisa ukugcinwa kwesidanga kunye nesibini esitshatileyo, uyakufumanisa ukuba izibini ezitshatileyo ziyakwazi gcina ngaphezulu yonke imihla ngaphezu kwee-bachelors.
Isizathu kwakhona ngumthombo omnye wengeniso. Nokuba ufumene umvuzo usapho lwakho, ungonwabela izibonelelo ezithile zerhafu eziza kukunceda ugcine ngakumbi. Ezi akhawunti kamva zigcinwa kwisixa esikhulu.
5. Ukuxolelwa kwirhafu kwilifa
Ukuba awutshatanga kwaye uhlala kwilifa njengelifa, kuya kufuneka unike isixa esikhulu kwi-IRS. Isixa-mali esiya kwi-40%. Nangona kunjalo, imeko yahlukile ukuba utshatile.
Izibini ezitshatileyo zifumana ukuncitshiswa komtshato ngokungenamda ngemali okanye kwipropathi abayizuze njengelifa kumaqabane abo. Ngapha koko, ukutshata kukwathetha ukuba ungashiya imali eninzi oyifunayo kwizizukulwana zakho ezizayo, ngakumbi ukuba elinye iqabane lithathe uxanduva lokwakha obo butyebi.
Le yenye ye iinzuzo zemali emtshatweni.
6. Ukugcwalisa irhafu
Ukuthetha ngezibonelelo zerhafu zokutshata, nobabini ninokudibanisa iifayile. Ukuba nobabini niyarhola ngokugcwalisa irhafu ngokwahlukeneyo niza kugqiba nihlawule irhafu ephezulu. Nangona kunjalo, ukuba nobabini niyifaka ngokudibeneyo, niyakuhlawula irhafu encinci.
Kwangokunjalo, ukuba unomvuzo omnye endlwini, kwaye umvuzo uphezulu, kububulumko ukuhlawula irhafu ngokudibeneyo ukonwabela isibonelelo serhafu.
7. Isibonelelo sezomthetho
Izidanga zesibini zinengxaki yokubeka ecaleni kwesalamane kwimeko kaxakeka. Nangona kunjalo, isibini esitshatileyo sinokugcina esinye kufutshane nesalamane ngexesha likaxakeka kwezomthetho okanye lonyango. Oku kuya kunceda ukwenza ezi zigqibo zibengcono kwaye zikhawuleze.
Umzekelo-Umlingane angafaka ityala ngokuchasene negunya ngokusweleka ngokungalunganga kweqabane labo. Ngokunjalo, iqabane linokuthatha zonke izigqibo zomthetho okanye zonyango egameni lomlingane wazo.
8. Isicwangciso soMhlala-phantsi
Xa umntu eshiya iakhawunti yakhe yomhlalaphantsi okanye i-IRA iye kwi-non-iqabane, banemida ethile yokurhoxa kwaye kufuneka bahlawule irhafu.
Oku akusebenzi ukuba bashiya iakhawunti yabo kumaqabane abo. Apha, iqabane linayo inkululeko yokuhlawula ii-akhawunti ezizuzwe njengelifa ezizezabo kwaye zirhoxise ngokwentando yazo.
9. Izibonelelo zeinshurensi yezempilo
Isibini esitshatileyo sinokusebenzisa i-inshurensi yezempilo yomnye nomnye kwimeko kaxakeka. Oku akunakwenzeka ukuba unesidanga. Wena, kwimeko enjalo, unokusebenzisa kuphela i-inshurensi yakho yezempilo.
Kwisibini esitshatileyo, oku kuyinzuzo ukuba elinye lamaqabane alisebenzi okanye alifumani i-inshurensi yezempilo kwinkampani yabo.
10. Isibonelelo ngokweemvakalelo
Okokugqibela, sakuba sixoxe ngazo zonke izibonelelo zemali zomtshato, masixoxe ngezibonelelo zengqondo.
Isibini esitshatileyo, ngokweengxelo ezahlukeneyo, sinobomi obusempilweni nobude. Baye baxhasana ngamaxesha amabi athi ekugqibeleni abanike uxolo lwengqondo. Nangona kunjalo, ezi zinto azinakwenzeka xa unesidanga.
Awunaye umntu onaye lindela inkxaso yemvakalelo okanye yemali, nangaliphi na ixesha ebomini. Ngokuqinisekileyo oku kunefuthe kwimpilo yengqondo kunye neyasemzimbeni iyonke.