Uyenzile le nto futhi inhle. Uyazi ukuthi inhle, ngoba wenza izinguqulo ezintathu walahla ezimbili, kanti le esetafuleni phambi kwakho yileyo esindile. Okushodayo yinani, futhi lelo nani ulibhale walisusa izikhathi ezinhlanu kusihlwa.
Nansi ingxenye engashiwo muntu ngokusobala. Ukubeka intengo akulona uvivinyo lokuthi uzikholelwa kangakanani. Kuyizibalo, ezenziwa kanye, cishe ngemizuzu engamashumi amabili, ngephepha nezinombolo zangempela ezivela ku-akhawunti yakho yasebhange. Uma izibalo seziphelile uzoba nentengo ongayisho ngomlomo izwi lakho lingashintshi, ngoba uzokwazi ukuchaza yonke ingxenye yayo. Intengo ongayivikela yintengo oyeka ukuphikisana nayo, kanti umuntu osemile ukuphikisana nentengo yakhe unalelo hora lonke ukuze enze into elandelayo.
Ngiyithola kanjani intengo uma ngizenzele ngokwami?
Hlanganisa izinto ezintathu bese wenyusa: izimpahla, amahora akho ngenani obungalamukela kumuntu ongamazi, nesabelo salolu hlobo ezindlekweni zakho ezingaguquki. Kwenze ephepheni ngezinombolo zangempela kunokukwenza ekhanda, ngoba inguqulo esekhanda ihlala ishiya into ngaphandle.
Ake sikwenze kanye, ngento ephathekayo. Umbhodlela wobumba wezitshalo: amadola ayishumi nanye obumba, ukushayela nokushisa. Amahora amabili omsebenzi ngamadola angamashumi amathathu ngehora. Bese cishe amadola ayisithupha erenti yenyanga yesitudiyo, ugesi wesithando, ukupakisha nezimali zokufaka ohlwini, kwehlukaniswe phakathi kwezingcezu ezingamashumi amabili ozozidayisa ngempela. Ishumi nanye kanye namashumi ayisithupha kanye nesithupha kwenza amashumi ayisikhombisa nesikhombisa. Yenyusa ufike kwamashumi ayisishiyagalombili nanhlanu.
Ake sikwenze futhi, ngehora lomsebenzi. Thatha imali yonyaka oyifunayo bese uyihlukanisa ngamahora ongawakhokhisa ngempela, angeke aze abe ngamashumi amane ngesonto futhi avamise ukuba seduze nengxenye yalokho uma usubale ukunikeza izilinganiso, ukuphatha imisebenzi yehhovisi, nomsebenzi ongakhokhelwa. Yengeza izindleko zakho ezingaguquki, isofthiwe, umshwalense, izinsiza, umgcini wamabhuku. Bese wengeza intela, okuwuhlangothi abantu abaluhoxisa ngokuphelele.
Izinombolo ezimbili, imizuzu engamashumi amabili, bese ibhokisi lentengo lingasenaso isikhala.
Kufanele ngizikhokhele imalini ngehora?
Sebenzisa inani obungalamukela kumuntu ongamazi ofuna ukukuqasha kusasa, hhayi inani obungalisho kumngane. Bese ulihlola ngokuthi kubiza kangakanani ngempela ukuzisebenza, ngoba ihora lakho akuwona umkhiqizo ofanayo nehora lomqashwa.
Iphutha elivame kakhulu ukuzilinganisa ngokuthulile nomholo. Ihora lomholo lifika nekhefu elikhokhelwayo, isofthiwe yomunye umuntu, umqashi okhokha uhhafu wentela yomholo, nesheke elifikayo noma umsebenzi ufike noma cha. Elakho alifiki nakunye kwalokho. E-United States izinga lentela yokuzisebenza lingu-15.3 amaphesenti, elakhiwe ngo-12.4 amaphesenti we-Social Security no-2.9 amaphesenti we-Medicare, futhi lisebenza ngaphezu kwentela yemali engenayo. Noma yiliphi inani obuzolibhala phansi, lokho kodwa kuwusizathu sokuthi liphansi kakhulu.
Uvivinyo lomuntu ongamazi luyasebenza ngoba lususa umbuzo emizweni yakho lulubeke ebufakazini. Usuvele wazi cishe ukuthi ubungamkhokhela malini umuntu onekhono lakho ukuze akwenzele lokhu. Zikhokhele lokho. Uma ukukusho ngomlomo kungakwenzi ukhululeke, lokho akulona uphawu lwentengo, kuyinkinga yokukhuluma, futhi kulungiswa ngokusho lelo nani izikhathi ezimbalwa ngaphambi kokuba kube khona okubuzayo.
Yiziphi izindleko abantu abakhohlwa ukuzifaka entengweni?
Ezincane eziphindaphindayo, njalo: izimali zenkundla nezokukhokha, izinsiza zokuthumela, ukubhalisa kwesofthiwe, i-oda elonakalayo, nehora lokuphatha imisebenzi elithathwa yikho konke ukudayisa ngokuthulile. Akukho kuzo okuvela entweni ephambi kwakho, okuyikho kanye okwenza kugcine kuphuma emholweni wakho.
Zibhale phansi ngenyanga eyodwa yangempela kunokuzilinganisa nje.
- Izimali zenkundla nokucutshungulwa kwenkokhelo kukho konke ukuthengisa.
- Amabhokisi, itheyiphu, iphepha, amalebula, nohambo lokukuthumela.
- Isofthiwe, ukubamba kwewebhusayithi, namathuluzi obukhohliwe ukuthi ayakukhokhisa.
- Into eyodwa kweziyishumi efika yephukile bese ibuyiselwa.
- Ihora ngalinye e-odeni elichithwa ekuthumeleni imiyalezo, ekupakisheni nasekubuyekezeni.
Bese uhlukanisa lelo nani lenyanga ngenani lezinto ozidayisayo ngenyanga, bese wengeza umphumela kuyo yonke intengo. Yilo umehluko phakathi kwebhizinisi elimatasa nebhizinisi elikukhokhelayo.
Iyini inombolo engaphansi kwenombolo?
Bhala phansi umkhawulo ongaphansi kwentengo yakho, kusengaphambili, futhi ungehli ngaphansi kwawo. Umkhawulo yizimpahla kanye nezindleko ezingaguquki kanye nenani eliphansi kunawo wonke ngehora obusazojabula ukusebenzela lona, futhi umsebenzi wawo ukuguqula yonke ingxoxo yesaphulelo ibe yisinqumo semizuzwana emibili esikhundleni sezinsuku ezimbili.
Ukwethuka akulona uphawu lokuthi intengo ayilungile. Kuwuphawu lokuthi nguwe okumele uyisho ngomlomo. Inombolo oyihlole kabili esakwenza umise umzuzwana ivamise ukuba seduze nendawo elungile, ngoba nguwe wedwa owazi ukuthi umsebenzi wawulula kangakanani, futhi ubulula abubonwa muntu omunye futhi abunandaba nokuthi le nto ifanele malini.
Beka intengo. Bese uyiyeka isonto lonke uvumele abantu bangempela basabele kuyo esikhundleni sokusabela emizweni yakho. Ukushintsha intengo ngenxa yobufakazi kuyisu. Ukuyishintsha ngehora leshumi nanye ebusuku ngoba akekho othenge lutho ezinsukwini ezimbili yintela ekhokhiswa umsebenzi omuhle ingcindezi engalawulwa, futhi kungumkhuba obiza kakhulu kunayo yonke kulesi sihloko.
Ngithini uma umuntu ecela isaphulelo?
Umusho owodwa, futhi uqamba lokho ongakushintsha esikhundleni sentengo. "Angikwazi ukwehla ngaphansi kwalokho, kodwa ngingakwenza ngaphandle kokuthunga ngesandla ngekhulu namashumi amane, noma ngingakubambela lokhu kuze kufike usuku lweshumi nanhlanu."
Awuphoqelekile ukuchaza izindleko zakho, ukuveza isizathu samahora akho noma ukuxolisa ngenani. Isaphulelo esinikezwa ngokushesha sifundisa ikhasimende elilandelayo ukuthi licele futhi sikufundisa ukuzonda i-oda. Ukunikeza inguqulo encane, isikhathi eside noma ukwehlukanisa inkokhelo kugcina intengo iphelele futhi kunika umuntu indlela yangempela eya kuyebo.
Uma behamba, mabahambe. Umuntu obefuna into ngenxenye yenani akulona ikhasimende olilahlekelwe, kuyikhasimende obungakaze ube nalo, futhi amahora ongawachithanga usebenza ngaphansi komkhawulo wakho ngamahora akhona kumuntu okhokha ngokugcwele.
Tshela umuntu olandelayo inani lakho langempela
Nansi indlela engakubizi lutho eshintsha imakethe omile kuyo. Uma umuntu omusha ekubuza ukuthi wayibeka kanjani intengo yento, mnike izinombolo zangempela. Hhayi indlela, hhayi "kuya ngokuthi", hhayi ububanzi obukhulu kangangokuthi abusho lutho. Ubumba babungamadola ayishumi nanye, amahora ayemabili, inani lalingamashumi amathathu, intengo ingamashumi ayisishiyagalombili nanhlanu.
Ukubeka intengo ephansi kakhulu kuphila cishe ngokuthula kuphela. Akekho osho ngomlomo ukuthi ukhokhisa malini ngempela, ngakho wonke umuntu ucabanga ukuthi nguye obizayo bese ehla ngokuthulile, bese isigaba sonke sizicabangela ukusebenza mahhala. Umuntu oyedwa ophendula ngobuqotho ukwephula lokho kubo bonke abatshelayo, futhi labo bantu batshela abanye. Ulwazi yiyona nto eyodwa lapha ongayidlulisa ungalahlekelwa ikhasimende elilodwa, futhi umuntu omnika lona uyakhumbula ukuthi ngubani owamtshelayo.
Ngakho yenza izibalo kusihlwa. Bhala intengo, ubhale umkhawulo ongaphansi kwayo, bese uzisho zombili ngomlomo zize zibhore. Bese uyahamba uyokhokhisa, bese ufaka ihora obuzolichitha ungabaza entweni elandelayo oyenzayo.
Imithombo
- Internal Revenue Service, Self-employment tax (Social Security and Medicare taxes)
- U.S. Small Business Administration, Plan your business
- Federal Reserve Banks, 2025 Report on Nonemployer Firms