Izwe elikhulu lemali ebanjwayo lingaba ngisho nabahlakaniphe kakhulu ngokwezezimali phakathi kwethu abanwaya amakhanda ngokuza kwesikhathi sentela. Kepha uma kukhulunywa ngobunikazi bekhaya, uzobe wonga okukhulu, enkulu isikhwama uma wazi ukuthi yini okufanele uyenze. Singene nge Lisa Greene-Lewis , i-CPA kanye Nochwepheshe Bentela ye-TurboTax, kuzo zonke izindawo ezibalulekile okufanele usebenzise ukupha kukaMalume Sam ngaphambili.
OKUhlobene: Izinto Ezi-4 Okufanele Uzazi Ngezintela Zakho Uma Unengane Kulo nyaka
Amashumi amabili namashumi amabili Izinkokhelo Zezindlu
I-biggie: Ungadonsa inani lenzalo ekhokhwayo kwi-mortgage yakho. Uma uthenge umuzi wakho ngonyaka odlule, kufanele ukuthi uthole idokhumenti ebizwa ngokuthi Ifomu 1098 kumbolekisi wakho ehlanganisa inani lenzalo ekhokhiwe, kanye namaphoyinti owakhokhile, ukuze ukwazi ukukhulisa imali ebanjwayo ukuze uthole imbuyiselo enkulu.
Ukulahlekelwa Ngengozi
Lapha sithemba ukuthi empeleni awufuni lokhu, okumele kube umphumela wesenzakalo esingazelelwe, esingalindelekile noma esingajwayelekile (njengokulimala kwempahla ngenxa yenkathi yesiphepho esibi sonyaka odlule, isibonelo). Uma ukulahlekelwa kwakho sekungaphezu kwamaphesenti angu-10 omholo wakho, ungadonsa noma yini umshwalense wakho ongawufaki.
Amandla elanga
Uma wenze noma yiziphi intuthuko yelanga kamuva nje (bona: amaphaneli wamandla), ufaneleka ukuthola ikhredithi yamaphesenti angu-30 yenani eliphelele, okuhlanganisa ukufakwa, ngaphandle komkhawulo omisiwe. Qaphela ukuthi ikhredithi yendawo eyonga amandla izokwehla ngokuhamba kweminyaka ngaphansi kwekhodi entsha yentela, ngakho-ke ungalindi isikhathi eside uma ucabanga ngalokho okulindelwe. (Isikweletu sehla siye kumaphesenti angama-26 ngonyaka wentela ka-2020; amaphesenti angama-22 onyaka wentela ka-2021, bese siphelelwa yisikhathiDisemba 31, 2021.)
Amashumi amabili namashumi amabili Ukulondolozwa Komlando
Thenga i-fixer-upper endala? Ungase ufaneleke ukubanjwa imali. Nakuba isikweletu somlando sokulondoloza sisebenza ikakhulukazi ezindaweni 'ezikhiqiza imali' (njengezakhiwo zezentengiselwano), izifundazwe ezithile zinezikweletu ezingokomlando zentela yokulondolozwa kwezindlu ezihlala abanikazi. Ukuze ufaneleke kuzo, indlu yakho kufanele ifakwe ohlwini lweRejista Kazwelonke Yezindawo Zomlando, futhi noma yimuphi umsebenzi owenziwe kufanele ubuyekezwe ukuze kuqinisekiswe ukuthi ihlangabezana nezidingo zokulondoloza.
Izindleko Zokuqasha Ekhaya Lesibili
Ngokungafani nendawo yakho yokuhlala eyinhloko (okwenza hhayi ubale irenti njengemali engenayo ekhokhiswa intela), uma uqashisa ikhaya lakho lesibili isikhathi esingaphezu kwamasonto amabili ngonyaka, kufanele ukubike ekubuyiseni kwakho. Nokho, ungathola ikhefu lentela ngendlela yezindleko zokulungisa ezihlobene nezindleko zokuqasha: okusho izinto ezifana nempahla, ukulungisa kanye nefenisha.
Ukukhishwa Kwezinzuzo Zemali
Iningi labakhokhi bentela alidingi ukukhokha izintela ngenzuzo yokuthengiswa kwezindlu zabo, sibonga le ndoda. Umongo: Uma ngabe ungumnikazi futhi uhlala endlini yakho enkulu iminyaka emibili kwemihlanu ngaphambi kokuthengiswa kwayo, ungenza inzuzo efinyelela ku-0,000 lapho uthengisa futhi kungadingeki ukuba uyifune ezintela zakho. Njengombhangqwana oshadile, ningakwazi ukukhipha inzuzo efika ku-0,000. Ngakolunye uhlangothi, uma ukhiphe imali engaphezu kuka-0,000 (ngokwakho) noma u-0,000 (njengezithandani), uzokhokhiswa intela.
Amashumi amabili namashumi amabili Ihhovisi Lasekhaya
Uma usebenzisa ngokusemthethweni ihhovisi lakho lasekhaya isikhathi esigcwele (njalo futhi kuphela, ngokweziqondiso ze-IRS ), ungathatha imali ebanjwa ehhovisi lasekhaya ngephesenti lenzalo yemali ebolekiwe, umshwalense kanye nesondlo—okusekelwe kumaphesenti ezithombe zakho eziyisikwele ezisetshenziselwa ibhizinisi lakho.
Izintela Zezakhiwo
Isikhumbuzi: Uma ubhala izinto ezibanjwayo, ungasula inani eliphelele lentela yendawo yendlu yakho. Kodwa amakhanda phezulu: Ukuqala Olandelayo ngonyaka lokhu kubanjwa kuzokhawulelwa ku-,000 isiyonke (ngekhodi entsha yentela).
Izindleko Zokuthutha
Uthenge ikhaya lakho elisha ngenxa yomsebenzi? Uma uhlangabezana nemibandela (aka usebenza isikhathi esigcwele okungenani amasonto angama-39 phakathi nezinyanga zokuqala eziyi-12 ngemva kokuthutha kwakho, futhi igigi yakho entsha iqhele okungenani ngamamayela angu-50 kude nekhaya lakho elidala kunendawo osebenzela kuyo endala), ungafuna izindleko zakho zokuhamba-yonke into kusuka kuma-movers kuya kumabhokisi okugcina.
OKUhlobene: Ungase Ubhale Ikilasi Lakho Le-SoulCycle (Kanye Nokunye Oku-5 Okudonswayo Kwentela Ongakuthatha Kulo nyaka)
