Chichewa · machine translation, not independently reviewed
Zochotsa za msonkho za freelancer: kuchotsa kulikonse komwe muli ndi ufulu kutenga
Freelancer oyendetsa bizinesi ya munthu mmodzi ali ndi mwayi wa seti yomweyo ya zochotsera ngati kampani iliyonse, ndipo zochotsa zo zimachepetsa msonkho wa ndalama zolowa ndi msonkho wodziyimira. Vuto ndi kudziwa ndalama ziti zomwe zimayenera, peresenti iti yomwe mungatenge, ndi zolemba ziti zomwe IRS imayembekezera. Kumasulira kwa makina, sikunawunikidwa paokha.
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Ofesi yakhomo: kuchotsa komwe freelancer ambiri sagwiritsa mokwanira
Ngati mumagwiritsa malo odzipatula nthawi zonse ndi mwapadera pa ntchito ya makasitomala, mutha kuchotsa. Njira yosavuta imalola $5 pa square foot mpaka 300 square feet, malire $1,500 popanda chiopsezo cha kubwezera kutsika. Njira ya ndalama zenizeni imachotsa peresenti yanu ya ofesi yakhomo ya lenti kapena chiwongola dzanja cha ngongole, magetsi, inshuwaransi, ndi kukonza, nthawi zambiri yayikulu koma yovuta. Malo ayenera kukhala okhazikika ndi mwapadera; desiki mu chipinda chogona chogawana nthawi zambiri sikuyenera. Jambulani ndipo yezeni malo anu ndipo sungani zolemba za square footage yonse ya nyumba.
Mapulogalamu, zipangizo, ndi kuphunzira kwa akatswiri
Zolembetsa za SaaS zogwiritsidwa mu ntchito yanu, zida za kapangidwe, kuyang'anira ntchito, akaunti, mapulogalamu olankhulana, zimachotsedwa kwathunthu. Zipangizo monga laputopu, monita, kapena drive yogwiritsidwa pa ntchito ya makasitomala zimayenera kuchotsa nthawi yomweyo kwa Section 179 kapena kutsika kowonjezera mu chaka chogula. Maphunziro, zitsimikizo, mabuku, ndi umembala omwe umasunga kapena kusintha luso lanu lomwe lilipo zimachotsedwa; maphunziro olowa mu ntchito yatsopano nthawi zambiri ayi. Lembani cholinga cha bizinesi cha chilembetsa chilichonse ndi chida chilichonse.
Intaneti, foni, ndi malipiro a ogwira ntchito
Gawo la kugwiritsa ntchito bizinesi la intaneti yanu yakhomo ndi foni yam'manja limachotsedwa; chifukwa izi ndi zayekha zomwe, gwiritsani kugawa kokhazikika kolembedwa. Ngati mumapereka ntchito kwa freelancer ena, malipiro aja amachotsedwa, ndipo ngati mumalipira munthu aliyense $600 kapena kuposerapo mu chaka, muyenera kupereka Form 1099-NEC. Sungani mapangano kapena invoice za malipiro aliwonse a wogwira ntchito. Ndalama za banki ya bizinesi, ndalama zokonza malipiro kuchokera ku mapulatifomu monga PayPal kapena Stripe, ndi inshuwaransi ya ngongole ya akatswiri zimachotsedwanso.
Msonkho wa SE, penshoni, ndi zomwe sizichotsedwa
Msonkho wodziyimira ndi 15.3% pa 92.35% ya phindu lotsala, ndipo theka la msonkho wa SE uja limachotsedwa ngati kusintha pamwamba pa mzere. Kuyika ku SEP IRA kapena Solo 401(k) kumachepetsa ndalama zomangidwa msonkho kupitirira, zoyikidwa za penshoni ndi imodzi mwa zida zamphamvu kwambiri zomwe freelancer ali nazo. Zochotsera za bizinesi zimachepetsa phindu lotsala, kudula msonkho wa ndalama zolowa ndi msonkho wa SE. Zosachotsedwa: ndalama payekha, kupita ku malo a kasitomala omwe si malo anu akulu a bizinesi, zakudya popanda kukambirana kwenikweni kwa bizinesi, ndi ndalama za hobby popanda cholinga cha phindu. Kulembetsa sikumatsegula Solo 401(k) kapena SEP lero.
Mafunso omwe amafunsidwa kawirikawiri
Kodi nditha kuchotsa laputopu yangu yonse ngati freelancer?
Mpaka momwe imagwiritsidwa pa bizinesi. Ngati imagwiritsidwa mwapadera pa ntchito ya freelance, mtengo wonse umachotsedwa, kudzera pa Section 179 kapena kutsika kowonjezera mu chaka chogula. Ngati imagwiritsidwanso payekha, chotsani peresenti ya kugwiritsa bizinesi yokha. Lembani chiwerengero chanu cha kugwiritsa ndipo sungani zolemba.
Kodi zochotsera zimatsitsanso msonkho wanga wodziyimira?
Zonse ziwiri. Ndalama iliyonse yochotsedwa imatsitsa phindu lotsala, ndipo msonkho wa SE (15.3%) umawerengedwa pa 92.35% ya phindu lotsala. Choncho kuchotsa kwa $1,000 kumasunga mtengo wanu wa msonkho wa ndalama zolowa kuphatikiza pafupifupi $141 mu msonkho wa SE pamwamba. Kukula uku ndi chifukwa chake kutsatira ndalama mokwanira n'kofunika kwa freelancer.
Ndi njira iti yosavuta yotenga kuchotsa kwa ofesi yakhomo?
Njira yosavuta: yezeni malo anu odzipatula a ntchito, chulukitsani square footage ndi $5, ndipo tenge mpaka malire a $1,500, popanda kutsatira magetsi ndi popanda kubwezera kutsika mukagulitsa. Kusinthana ndi kuchotsa kochepa kuposa ndalama zenizeni pa malo akulu. Mwanjira iliyonse, malo ayenera kukhala okhazikika ndi mwapadera.
Ntchito zina
Maphunziro okha, si upangiri wa msonkho, wa malamulo, kapena wa ndalama zoyika. Gigaverse si banki ndipo si mlangizi wolembetsedwa wa ndalama zoyika. Brokerage, ngati akaunti ilipo, imapita kudzera pa broker-dealer wa membala wa FINRA ndi SIPC. Palibe phindu lovomerezeka. Kulembetsa ndi kwaulere, palibe ndalama zolembetsa. Kulembetsa sikumatsegula Solo 401(k), SEP IRA, kapena Roth IRA. Akaunti zo zikhalabe pa mndandanda woyembekezera. Kumasulira kwa makina, sikunawunikidwa paokha.