Iingcebiso ezi-6 zokuLawula iMali yakho xa unesifo esinganyangekiyo

Umxholo

• 1. Ukuhlangabezana neerhafu ngoku
• Iingcebiso zerhafu
  
• 2. Fumana uncedo kubahlobo kunye neenzuzo
• 3. Hit "irekhodi"
• 4. Yazi into onayo nendlela yokufikelela kuyo
• 5. Igama 'B'
• 6. Ceba izinto phambi kokuba ucinge ukuba kufuneka uzenze

Nantsi indlela yokuhamba phambili kweendleko zakho, i-inshurensi, kunye nokucwangciswa kwezindlu.

Andenzi math. Kwaye, ndithetha ukuba ndiyayiphepha kuzo zonke iindleko.

Ndiyakwazi ukulandelela ukubuyela kwam kwisikolo samabanga aphantsi xa ndandinotitshala okhethekileyo wezibalo owayenophawu lwentengiso olwalusasaza amehlo akhe nanini na ndibuza umbuzo. Ke ekugqibeleni ndayeka ukubuza imibuzo ndaza ndanikezela kumnqweno wobomi wam bonke.

Ngenxa yoko, nayiphi na indlela yobalo-mali lwasekhaya iphakathi kwezinto zam ezincinci endizithandayo. Kunye nexesha lerhafu? Uloyiko olukhulu. Rhoqo ngo-Epreli, ndiqinisekile ukuba ndenza impazamo enye, ndiya kwintolongo ye-IRS. Inqanaba lam loxinzelelo ludlula eluphahleni kwaye ndizaliswe ziimpazamo kumfundis wam wezibalo ongaxolanga, ongenamonde.

Ndiyazi, ndiyazi… thina konke uxinzelelo ngexesha lerhafu.

Umahluko kukuba, ndihlala ne-multiple sclerosis (MS )- kwaye oko kuyilahla yonke le nxaki.

Kwabaqalayo, uxinzelelo yeyona nto iphambili kum. Ndinesifo esenza ukuba kube nzima cinga, ngakumbi xa ndinestresi - kwaye ndikude ndedwa. Malunga nokuhlala nesifo esinganyangekiyo okanye ukukhubazeka.

Kulabo abane-MS, "inkungu yenkungu" (aka inkungu yengqondo) sisiphumo secala esiqhelekileyo esinokwenza ibhalansi yesitetimenti sebhanki, ukurhola kwangaphambili irhafu, okanye ukucwangcisa ikamva lam lezemali licelomngeni.

Sekunjalo, iimali ziyinxalenye ebalulekileyo yobomi. Ke ngelixa ndingayithandi le nkqubo, ndiyazi ukuba kufuneka ndigqithe ngaphaya kwenyameko yam ndiye ezantsi kwishishini. Utitshala wam omdala wezibalo angazingca.

Nantsi indlela endifumana ngayo umsebenzi…

1. Ukuhlangabezana neerhafu ngoku

Kwiminyaka eyadlulayo, ndaye ndagqiba kwelokuba ndisebenzise i-Certified Public Accountant (CPA) ngexesha lerhafu. Umyeni wam kunye nam silandelela ulwazi lwethu unyaka wonke, silifaka kwi-spreadsheet kwiirhafu zobuqu nezeshishini, emva koko sihambisa yonke into kumgcini zincwadi. Uyidlulisela kwiifom zerhafu, asebenze umlingo wakhe, kwaye ayithumele kwi-IRS.

Ungumnatha wam wokhuseleko. Ujonga yonke into, abuze imibuzo embalwa, aze andithumelele incwadana entle, ecocekileyo yamaxwebhu ethu. Ndiyasayina kwaye yenziwe. Ukuba i-IRS kufuneka ibenayo nayiphi na imibuzo- abayenzileyo kunyaka ophelileyo- ngamaqhosha nje ambalwa ukuwaphendula.

Ngokwendalo, akasebenzi simahla. Kodwa kum, imali isetyenziswe kakuhle. Akukho xhala lilinganayo ngaphandle koxinzelelo- oko kuthetha ukuba akukho ziphazamiso. Ndingathanda ukuhlawula iindleko zeCPA ngoku ndize ndihlawule ngempilo yam kamva.

Iingcebiso zerhafu

• Sukushiya iirhafu zakho kude kube ngumzuzu wokugqibela.
• Ukuba ugcina umkhondo wamaxwebhu unyaka wonke, kuya kuba lula xa kufika ixesha lokufaka ifayile.
• Ukuba kuninzi kuwe, sebenzisa iinkonzo zerhafu okanye i-CPA ukukunceda ubeke ingqondo yakho ngokukhululeka.

2. Fumana uncedo kubahlobo kunye neenzuzo

Ukuququzelela ngononophelo kunye nokucwangciswa kubalulekile, kodwa kuba i-MS ayinakulindeleka, ndadibanisa iqela labantu endibathembileyo ukunceda ukugcina izinto zilungile. Ndizibiza ngokuba “zezam”ibhodi yezemali yabacebisi, ”Okanye iFBOA.

Kum, oku kubandakanya igqwetha, umcebisi wezezimali, kunye nabahlobo abaliqela abalunge kakhulu ngemali. Ndiphumile kukungonwabi kwam ngokuthetha malunga nemali endiyenzayo nomyeni wam ukuze ndinike i-FBOA yam umfanekiso ocacileyo wemeko yethu kwaye sifumane elona cebo lilungileyo kubo.

Nokuba awunayo itoni yemilingo kubomi bakho, qokelela iqela ukukuxhasa kwaye unciphise uxinzelelo lwemali.

3. Hit "irekhodi"

Ndisebenzisa i-Zoom (ekhululekile) ukwenza inkomfa yevidiyo. Naliphi na inani labantu elinokujoyina umnxeba kwidesktop yakho, kwiLaptop, okanye kwi-smartphone kwaye- lelona candelo libalulekileyo- onalo Rekhoda incoko.

Nokuba bendikukhumbula kangakanani ekuthatheni kwam inqaku, ngokuqinisekileyo ndiyayiphosa into. Oku kundivumela ukuba ndibuyele umva kwaye ndiphinde ndibuyele kwincoko yethu.

4. Yazi into onayo nendlela yokufikelela kuyo

Uyazi ukuba isifo sakho sijongeka kanjani ngoku, kodwa siza kujongeka njani kwiminyaka emi-5? Okanye u-10? Qonda amathuba kwaye ube nesicwangciso, nokuba imeko imbi kakhulu.

Jonga ugqirha wakho malunga nezixhobo kunye neenkqubo zikarhulumente okanye zomdibaniso onokulungela kuzo. Ukuba uza kufaka isicelo sokukhubazeka, uya kuyidinga indlu yakho yezemali ngokufanelekileyo.

5. Igama 'B'

Ewe, uhlahlo lwabiwo-mali. Ndiyayithiya idosi yokwenyani endiyaziyo ukuba izakuzisa ebomini bam.

Kodwa into ehlekisayo kukuba, kukuswela ulwazi yeyona nto inoxinzelelo malunga nokugcinwa kwezindlu. Kuyothusa kuba ndiziva ngathi "kufanele" ndizazi ezi zinto - kodwa andazi. Ukufumana isiphatho kuyo kuya kunceda kuphela ekunciphiseni inkxalabo yam, akunjalo?

Ewe nohayi. Ukubeka uhlahlo-lwabiwo mali kubuhlungu ngenxa yezizathu ezininzi kangaka, hayi elona nani lincinci kukuba amanani enza intloko yam ukuba ijikeleze- kunye neMS yenza intloko yam ijikeleze. Kuya kufuneka ndichonge xa ​​ndinamandla kwaye ndigxile kakhulu kwaye ndicacile, kwaye ndicwangcise uhlahlo-lwabiwo mali lwelo xesha.

Ndiziva ndicacile kwaye ndinamandla kusasa nasemva kwesidlo sangokuhlwa. Ngawo la maxesha endinokubeka kuwo ikepusi yam yokucinga kwaye ndijonge amanani.

Ke khumbula, fumana ixesha lokuba usempilweni kwaye wenze uhlahlo-lwabiwo mali.

6. Ceba izinto phambi kokuba ucinge ukuba kufuneka uzenze

Uvavanyo olupheleleyo lwezemali lubandakanya i-inshurensi (ukukhubazeka, impilo, ikhaya kunye nemoto), ukucwangciswa kwempahla (nokuba awunayo "indawo yokuhlala"), ukukhutshwa kwe-HIPPA, umyolelo wokuphila, izikhokelo eziphambili, iitrasti kunye neeproxies zezempilo. Konke kubalulekile kwaye ukucwangcisela konke kuyenzeka.

Khumbula, ukucwangcisa ngaphambili uyasidinga sesona sipho sibalaseleyo onokuthi uzinike wena kunye nabantu obathandayo. Ingoyikisa, kodwa ukufumana isiphatho kwimpilo yakho yezemali kunye nokuba sempilweni kukwaxhobisa kwaye kunganciphisa uxinzelelo.

Kunzima ukubeka ixabiso kuloo nto.

UKathy Reagan Omncinci ngumseki weziko elingaphandle, iwebhusayithi engacacanga ngombala kunye nepodcastFUMSnow.com. Yena nomyeni wakhe, uTJ, iintombi, uMaggie Mae noReagan, kunye nezinja Snickers kunye noRascal, bahlala emazantsi eVirginia kwaye bonke bathi "FUMS" yonke imihla!