isiZulu · machine translation, not independently reviewed
Ukudonswa kwentela komsebenzi ozimele: konke ukuncishiswa onelungelo lokukufaka
Abasebenzi abazimele abaqhuba ibhizinisi lomuntu oyedwa banokufinyelela kusethi efanayo yokuncishiswa nganoma yinkampani, futhi lokho kudonswa kunciphisa kokubili intela yemali engenayo nentela yokuzisebenza. Inselele ukwazi ukuthi yiziphi izindleko ezifaneleka, yiliphi iphesenti ongalifaka, nobufakazi i-IRS obulindele. Ukuhumusha ngomshini, akubuyekezwanga ngokuzimela.
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Ihhovisi lasekhaya: ukuncishiswa abasebenzi abazimele abaningi abangakusebenzisi ngokwanele
Uma usebenzisa indawo ebekelwe njalo futhi kuphela emsebenzini wamakhasimende, ungayidonsa. Indlela elula ivumela $5 nge-square foot kuze kufike ku-300 square feet, inani eliphezulu elingu-$1,500 ngaphandle kobungozi bokubuyisa ukuncipha kwenani. Indlela yezindleko zangempela idonsa iphesenti lakho lehhovisi lasekhaya lerente noma inzalo yomshwalense, izinsiza, umshuwalense, nokulungisa, kuvame ukuba kukhulu kodwa kuyinkimbinkimbi. Indawo kumele ibe evamile futhi eyodwa; ideski ekamelweni lokulala elabiwe ngokuvamile alifaneleki. Thatha isithombe futhi ulinganise indawo yakho futhi ugcine amarekhodi wesikwele esiphelele sekhaya.
Isofthiwe, ihadiwe, nokuthuthukiswa komsebenzi
Ukubhalisa kwe-SaaS okusetshenziswa emsebenzini wakho, amathuluzi okuklama, ukuphatha iphrojekthi, ukubalwa kwezimali, izinhlelo zokuxhumana, kuyadonswa ngokugcwele. Ihadiwe njengelaptop, imonitha, noma idrayivu esetshenziselwa umsebenzi wamakhasimende ifaneleka ku-Section 179 ukusetshenziswa ngokushesha noma ukuncipha kwenani okwengeziwe ngonyaka wokuthenga. Amakhozi, izitifiketi, izincwadi, nobulungu obugcina noma buthuthukise amakhono akho akhona kuyadonswa; imfundo yokungena emsebenzini omusha ngokuvamile ayidonswa. Bhala inhloso yebhizinisi yokubhalisa ngakunye nengxenye yempahla ngayinye.
I-inthanethi, ucingo, nezinkokhelo zabasizi
Iphesenti yokusetshenziswa kwebhizinisi le-inthanethi yakho yasekhaya nocingo lweselula liyadonswa; ngoba lokhu nakho kungokomuntu siqu, sebenzisa ukwabiwa okuhambisanayo okubhaliwe. Uma unikeza umsebenzi kwabanye abasebenzi abazimele, lezo zinkokhelo ziyadonswa, futhi uma ukhokhela noma yimuphi umuntu $600 noma ngaphezulu ngonyaka, kumele ukhiphe i-Form 1099-NEC. Gcina izinkontileka noma ama-invoyisi enkokhelo yosizi ngamunye. Izimali zebhange lebhizinisi, izimali zokucubungula inkokhelo ezivela emapulatifomu afana ne-PayPal noma i-Stripe, nomshuwalense wokwephula umthetho wobuchwepheshe nakho kuyadonswa.
Intela ye-SE, umhlalaphansi, nokungadonswa
Intela yokuzisebenza ingu-15.3% ku-92.35% wenzuzo engumhlomulo, futhi uhhafu waleyo ntela ye-SE uwadonswa njengokulungiswa ngaphezu komugqa. Ukufaka ku-SEP IRA noma ku-Solo 401(k) kunciphisa imali ekhokhiswa intela nakakhulu, iminikelo yokuthatha umhlalaphansi ingenye yezinsimbi ezinamandla kakhulu abasebenzi abazimele abanazo. Ukuncishiswa kwebhizinisi kunciphisa inzuzo engumhlomulo, kunciphisa kokubili intela yemali engenayo nentela ye-SE. Akudonswa: izindleko zomuntu siqu, ukuya emsebenzini esayithini yekhasimende okungesiyo indawo yakho eyinhloko yebhizinisi, ukudla ngaphandle kwengxoxo yebhizinisi eqotho, nezindleko ze-hobby ngaphandle kwenhloso yenzuzo. Ayivulwa namuhla.
Imibuzo evame ukubuzwa
Ngingadonsa ilaptop yami yonke njengomsebenzi ozimele?
Ngokwemlinganiselo esetshenziselwa ibhizinisi. Uma isetshenziswa kuphela emsebenzini ozimele, izindleko eziphelele ziyadonswa, nge-Section 179 noma ukuncipha kwenani okwengeziwe ngonyaka wokuthenga. Uma isetshenziswa futhi ngokwakho, donsa kuphela iphesenti lokusetshenziswa kwebhizinisi. Bhala isilinganiso sakho sokusetshenziswa futhi ugcine irisidi.
Ingabe ukuncishiswa kwehlisa intela yami yokuzisebenza futhi?
Kokubili. Yonke indleko edonswayo yehlisa inzuzo engumhlomulo, futhi intela ye-SE (u-15.3%) ibalwa ku-92.35% wenzuzo engumhlomulo. Ngakho ukudonswa okungu-$1,000 konga isilinganiso sakho sentela yemali engenayo esemarginal kanye nocishe $141 wentela ye-SE ngaphezulu. Lokhu kuhlangana yingakho ukulandelela izindleko okuphelele kubalulekile kubasebenzi abazimele.
Iyiphi indlela elula kakhulu yokufaka ukuncishiswa kwehhovisi lasekhaya?
Indlela elula: linganisa indawo yakho yokusebenza ebekelwe, phinda isikwele nge-$5, futhi ufake kuze kufike enanini eliphezulu elingu-$1,500, akukho ukulandelela izinsiza futhi akukho ukubuyisa ukuncipha kwenani uma uthengisa. Ukuhwebelana ukuncishiswa okuphansi kunezindleko zangempela ezindaweni ezinkulu. Noma kunjalo, indawo kumele ibe evamile futhi eyodwa.
Eminye imisebenzi
Lokhu kufundisa kuphela, akusona iseluleko sentela, esomthetho, noma sokutshalwa kwezimali. I-Gigaverse ayiyona ibhange futhi ayisona iseluleki sokutshalwa kwezimali esibhalisiwe. Uma i-akhawunti yokudayisa isikhona, i-brokerage ihlinzekwa ngumdayisi-umthengisi oyilungu le-FINRA nele-SIPC. Ayikho inzuzo eqinisekisiwe. Ukubhalisa kumahhala, ayikho imali yokubhalisa. Ukubhalisa akuvuli i-Solo 401(k), i-SEP IRA, noma i-Roth IRA. Lawo ma-akhawunti ahlala ohlwini lokulinda. Ukuhumusha ngomshini, akubuyekezwanga ngokuzimela.