Ukuqonda Iimbopheleleko Zenu Zerhafu: Urhulumente, Urhulumente, Nendawo

Phambi kokuba uvule ifomu yerhafu, kufuneka ube nomfanekiso ocacileyo wezibopho zakho ezisemthethweni. Ezi zibopho azifani; zixhomekeke kwiinkalo ezininzi, kuquka ubume bakho bokukhangela, ingeniso ephezulu, imvelaphi yengeniso, kunye nendawo ohlala kuyo. Iinjongo zikarhulumente, i-IRS ifuna abantu abaninzi ukuba ingeniso yabo ephezulu kwemiqathango ethile. Kunyaka wama-2024, ifayile enye yerhafu engaphantsi kweminyaka engama-65 ubudala kufuneka ibhalwe phantsi kwe-R3,850. Izibini ezitshatileyo zisebenza kunye namadoda amabini angaphantsi kwe 65,700. Noko ke, ukuba ingeniso yakho ingaphantsi kwalamanani amanani, usenokufuna ukutyikityo ukuba ufumana ingeniso yemali ehhonjiweyo ye-$400 okanye ngaphezulu, okanye ukuba uhlawula imali ekhethekileyo njengerhafutheswayo.

Izibophelelo zikarhulumente zongeza omnye umaleko onobuntlola. Uninzi lwamazwe lumisela irhafu yengeniso karhulumente, kwaye ngalinye limisela iimfuno zalo ezigciniweyo. Iqela lamazwe `Alaska, Florida, Nevada, New Hampshire (kuphela ngenzala nangengeniso), uMzantsi Dakota, Texas, Texas, Washington, ne Wyoming/Phoining/Phoxom. Noko ke, nakumazwe angekho mtekotho, ungasafuneka ubhale phantsi ukuba uqhuba ishishini okanye ufumene iintlobo ezithile zengeniso ezivela kwamanye amazwe. Irhafuthelo yasekuhlaleni, njengerhafu yesixeko okanye irhafu yerhafu yengi, ayiqhelekanga kangako kodwa ikhona kwiindawo ezifana neNew York City, iPhiladelphiadelphia, kunye nobalo lwerhafuwo yasekuhlaleni. Ukungahoxiswa kwerhafu yerhafu eOhini.

Isitshixo sokuphuma: Wazi umqobo wakho wesakhelo kumgangatho wengingqi yorhulumente, kwaye emva koko phengulula imeko yakho ekhethekileyo kunye neemfuno zobulali. Sebenzisa ubuncwane obufana ne imiyalelo yeMbali 1040 nesebe le-webhsayithi yemali yezwe lakho ukuqinisekisa ubume bemali yakho.

Ukuphoswa Kwerhafu Eyingozi Kukuphosa Ukuphoswa

Eyona mini yaziwayo ithe yaziwa kakuhle nguMhla weTsholo, othi xa urhulumente ngamnye ebuya ngoAprili 15 wonyaka ngamnye. Xa u-Aprili 15 ewa ngempelaveki okanye ngeholide esemthethweni (njengomhla wesibhaka-bhaka eWashington, D.C.), ixesha lokugqiba lityhalelwa kusuku olulandelayo lweshishini. Kunyaka wama-2024 (wafakwa ngo-2025), lo mhla nguApril 15, 2025. Noko ke, lo mthetho jikelele unendawo ekhethekileyo ekhethekileyo eshishinini nasebantwini abathile.

Amaqumrhu amashishini ajongene nemihla eyahlukileyo. Umzekelo, umanyano kunye nemibutho ye-S (uhlobo 1065 okanye 1120-S) kufuneka zifake ifayile ngoMatshi 15. Inkampani yeC iqhele ukuba inexesha elifanelekileyo lokusebenza ngoAprili 15, kodwa ingacela ifayile ezenzekelayo yenyanga ezintandathu. Ukuba ungumquququzeli weqonga C, ufaka icandelo C njengenxalenye yokubuya kwakho, ngoko ke ulandela umhla wesiphelo ka Aprili 15. Kubalulekile ukwahlula phakathi kommiselo [[FLT: 0] ifayile yakho ukubuya nesiphelo [FLT:] [FLD:] [FLD] [2] [iiiiiiintengiso], ngoko ke ufanele ukuhlawula irhafuthelo. Ukufaka irhafuthelo (unyaka wama-4668) de kunikeze i-oktooktookst [5]

Kwabo bahlala kwelinye ilizwe, ulwandiso oluzenzekelayo luyasebenza: abemi base-U.S. kunye nabaphambukeli abahlala ngaphandle kwelizwe ngoAprili 15 bafumana iinyanga ezimbini ezongeziweyo (de kube ngoJuni 15) ukuze bafake ifayile kwaye bahlawule, nangona inzala isaqokelela nangaluphi na umlinganiselo ongahlawulwayo ukusuka kumhla omisiweyo wokuqala. Ngaphezu koko, amaxhoba eentlekele ezivakaliswe ngurhulumente angafumana ixesha eligqithisiweyo. Ukuhlala uthobela, phawula le khalenda yakho ngemihla kwaye umisele isikhumbuzi sobuqu sokuyibhala phambi kwexesha lokugqibela.

Iifomu Zerhafu Ezibalulekileyo: Ukhokelo Oluyingqwabalala

Ifomu echanileyo ixhomekeke kwimithombo yengeniso yakho, iincopho, iityala, nohlobo lwento ekhoyo. Ngoxa inqaku lokuqala lidwelise iintlobo ezintlanu eziqhelekileyo, naku ukuwohloka ngokupheleleyo koko usenokujamelana nako.

Iindlela Zokuhlawula Iirhafu Ngazinye

  • [[NTL:0] IFORm 1040 - Imbuyekezo yerhafu yomntu ngamnye. Inkoliso yefayile isebenzisa oluhlobo. Ithatha indawo ye1040A ne 1040EZ. Iza neemiba emininzi (ISicwangciso 1, IShedyuli 2, njl.njl.) kwingeniso eyongezelelekileyo, uhlengahlengiso, kunye neetyala.
  • IForm 1040-SR – Uguqulelo lwefomu 1040 lwenzelwe abaphezulu (amashumi amathandathu nangaphezulu). Ibonakalisa ushicilelo olukhulu kwaye iquka itshati yomgangatho wencopho eyakhelweyo yetshati yababuthi berhafu abadala.
  • [[UMTL:0] IForm 1040-NR – isetyenziswa ngabaphambukeli abangamiselwanga abanomthombo wengeniso ye-U.S.
  • [[NTLA] Utyalo C (Form 1040) – Iingxelo zenzuzo okanye ilahleko kwipropriotship okanye kwilungu elinye leLLC. Ibalulekile kubantu abasebenza ngokwabo.
  • I-E (Form 1040) – Iingxelo zengeniso eyongezelelekileyo nelahleko kwirhafu, ubukumkani, umanyano, amaqumrhu, imimandla, ugcino-lwazi, kunye nee-REMIC.
  • [[UMTL:0] Utyalo A (Form 1040) – isetyenziswa ukubeka izincopho zocotho endaweni yokuthatha ucotho olusezantsi.

Ukubuya kolwazi nokunika ingxelo ngengeniso

  • [[UMTL: 0] IForm W-2 – Ifezwe ngumqeshi wakho ebonisa imivuzo nerhafu ezivaliweyo. Kufuneka uqhoboshe ikopi kwibuya lakho (okanye ifayile yenkcukacha).
  • Form W-2G – Ingxelo yokuphumelela kokungcakaza.
  • [[UMTL:0] IForm 1099-NEC - Iingxelo zemali yokungaqeshwa, njengemali yokuhlawula kwindlu ezizimeleyo. Oku kuthatha indawo yebhokisi endala yeFomu 1099-MISC.
  • [[UMKHL:0] IFORm 1099-MISC – igquma enye ingeniso edityanisiweyo njengerente, amabhaso, amabhaso, kunye nentlawulo yezamayeza.
  • [[UMTL:0] IForm 1099-INT[[FT:1] kunye [[FT:2]Form 1099-OV – Ingxelo yenzala kunye nengeniso eyahlulweyo.
  • IForm 1099-K – Iingxelo zemali yekhadi kunye nenxenye yesithathu yentengiso yomsebenzi womnatha (umz., PayPal, Vem). Umnyango wama-2024 ukwimali ehhoxiweyo enzima, kodwa ucwangciselwe ukwehlela ukuya ku $600 kwiminyaka ezayo.

Iifomu Zequmrhu Leshishini

  • [[UMTL:0] IForm 1120 – U.S. Corporation Inters Reving Reast (C''''''').
  • [[UMTL:0] IForm 1120-S – U.S. Ukufumana irhafu ukubuya koMbutho weS.
  • [[UMTL: 0] Form 1065 – U.S. Ukubuya kwentlawulo yentsebenziswano (ukubuya kolwazi; amaqabane afumana iShedyuli K-1).
  • [[UMTL:0] Form 990 – Ukubuya kweNtlanganiso Ikhutshwa Kwirhafu Efunyenweyo (esetyenziswa ngengeniso).

Ukujonga kabini ukuba usebenzisa uhlobo oluchanekileyo lonyaka lwefomu nganye. I-IRS ilungisa iifomu minyaka le, ngoko ukusebenzisa ifomu yeminyaka engaphambili kungenza ukuba ulibaziseko okanye ulahleke.

Incopho yonyuso: umgangatho wbs. Eququzelelweyo kunye na Ngaphaya

Uhlaziyo lwerhafu lunciphisa umthamo wengeniso yakho ephantsi kwerhafu. Owona mvulo ubalulekileyo kukuba uthathe isinyuko esisezantsi okanye umba. Ngo-2024, uhlaziyo olusezantsi luzii-R3,850 kwifayile enye, ii-$27,700 kwimali edityanisiweyo, kunye ne-2020,800 kwintloko zendlu. Ukuba uwonke wakho uthelekisa imali ehlawulwayo qhathal-mali-mali, urhulumente kunye nerhafu yasekuhlaleni (SALT) ukuya kwi-R10 000, iminikelo yoncedo, kunye nenkcitho yezo yezamayeza ehlawulwayo epheleleyo ehlawulwayo ngokomgangatho osezantsi, inika ingeniso ehlawulwayo ehlawulwa yirhafu ehlawulwayo.

Kumnini-shishini kunye noomatiloshe abaziqeshayo, iinkcitho ezongezelelekileyo zikhona. Iindleko zorhwebo okanye zoshishino eziqhelekileyo neziyimfuneko zingasuswa, kuquka iindleko zeofisi yasekhaya (ukusebenzisa indlela eyenziwe lula ye-R5 ukuya kwimitha esikweri engama-300, okanye indlela eqhelekileyo), iindleko zezithuthi zeshishini (isantya esiqhelekileyo okanye iindleko zokwenene), ukuthengwa kwezixhobo (ngokuthengwa phantsi kwecandelo 179 okanye ukuhla kwexabiso lomlinganiselo), iimali ze-inshorensi yempilo, kunye nemirhumo-mali yemali yomhlala-phantsi (SEPRA, Solo1, 431).

Ezinye iinkcitho ezisoloko zikhangelwa ziquka iindleko zomfundisi- ntsapho (ukuya kuma-R2 300 kubafundisi- ntsapho), inzala yomfundi (iiiR2,500, ephantsi kwemiqathango yengeniso), i-akhawunti yemali egciniweyo yempilo (HSA), kunye nentlawulo yeminikelo ye-IRA. Izincopho zemali yemali yemali yemali yemali yephondo zisenokuhluka; umzekelo, amazwe amaninzi awavumeli ukuhlawulwa kwerhafu yerhafu yemali ehlawulwayo, ngoxa amanye eboleka ngeminikelo kwimiqathango yocwangciso.

Amatyala erhafu:

Ngokungafaniyo nerhafu enciphisa irhafu ehlawulwayo, amatyala erhafu anciphisa ngokuthe ngqo inani lerhafu onayo. Amatyala asoloko exabiseke kakhulu ngenxa yokuba ehlisa imali yakho yerhafu ngemali e-dola. Amanye amatyala anokubuyiselwa, okuthetha ukuba ungafumana okugqithisileyo njenge-afrentis nokuba ityala lerhafu lingaphezulu kwetyala lakho lerhafu. Amanye awanakuhlawulelwa, kodwa anciphisa irhafu yakho ibe nguzero.

Ityala lerhafu eliyintloko likarhulumente liquka oku:

  • [[UMTL:0] Ityala lerhafu elifunyenweyo [[FTC:1] – Ityala elinokubuyiswa kubasebenzi abafumana imali ephantsi neentsapho ezilungeleleneyo. Ubuchule buxhomekeke kwingeniso, kwimeko yeshefu, kunye nenani labantwana abafanelekileyo.
  • [[UMTL: 0] Ityala lerhafu yabantwana (CTC) – Phezulu ukuya ku $2,000 (iiR2 000) kumntwana ongaphantsi kweminyaka engu 17, kunye ne R2,600 kumntwana ngamnye ngonyaka wama-2024. i- Phaseout iqala kwingeniso ephezulu.
  • [[NKT.0] Ityala leTroffic Task (AOTC) yaseMerika – Uphezulu ukuya kwii-R2,500 kwiindleko zemfundo ezifanelekileyo kwiminyaka emine yokuqala yemfundo yesekondali. Ngokuyinxenye i-aftice (awude u-R1,000).
  • [[NTL:0] Ityala lokufunda ubomi (LLC) – Ukunyuka ukuya ku $2,000 [ii-$2,000] ngerhafu nganye ebuyayo nakuliphi na umgangatho wemfundo yasemva kwesekondali, engaphinde ibuyiselwe.
  • [[Umntwana ofanelekileyo: 0] Ityala lenkathalo nothelekelelo olupheleleyo – ityala elingalungisekiyo leendleko ezinxulumene nokunyamekela umntu ofanelekayo xa usebenza okanye ukhangela umsebenzi.
  • [[Umthetho:0] Ityala lokugcina iMinikelwe (Ityala Logcino)[[FT:1] – kubantu abafumana imali ephantsi ukuya kumlinganiselo ophezulu abanikela kwi-akhawunti yomhlala-phantsi.

Amazwe amaninzi anika ityala lawo, njengetyala lomqeshi, iityala lolunye ufakelo lwamandla, okanye iityala ngeminikelo yogcino-mali lwasekholejini.

Iindlela Zokukhetha: Ukukhetha Eyona Ndlela Ilungileyo Yemeko Yakho

Indlela ebhetele yokulungisa irhafu ixhomekeke ekuntsonkotheni kwemali yakho, ekuthuthuzeleni nasekusebenziseni imali yakho.

  • [[NTL: 0] IIIRS IFAYILE Ekhululekileyo[ - Ukuba ingeniso yakho elungisiweyo ingu $79,000 okanye ngaphantsi (kuka-2024), ungasebenzisa isoftware yokulungiselela irhafu ekhokelweyo enikwa amaqabane e-IRS ngaphandle kwexabiso. Ezinye iinkqubo zecomputer zinika iifomu ezinokugcwaliswa kulo nawuphi na umyinge wengeniso. Yindwendwele Ifayile Yasimahla
  • [[NTL:0] I-Do--Yakho (I) i-Software- – iimpahla zentengiso ezinjenge TurboTax, H&R Block, Iirhasi-i-i-Phostslayer, kunye ne-FreeTaxUSA inika inyathelo-ngenyathelo-ngendlela yokhokelo lomrhumo. Baphatha iityala kunye nezincopho kwaye baza kubuyisela ifayile yombutho kunye norhulumente.
  • I-Arhente eqengqelekisiweyo (EA) okanye i-Akhawunti kawonke- wonke (CPA) – kwiimbuyiselo ezintsonkothileyo ezibandakanya ishishini, utyalo- mali, izinto eziqeshiweyo, okanye ingeniso yemiba emininzi, ingcali inganciphisa iimpazamo kwaye inike imali egciniweyo. Jonga iisiqinisekiso ngokugqitha kwi [[FLT:]] Umanyano lohlanga lwe-emostricles okanye [[FLT: 4,] PAIC].
  • [[NTL: 0] IVolunteer Inteer Inteakers (VITA) / Icebo Lerhafu lamaLungu aBadala (TE) – uncedo lwerhafu lwasimahla kwirhafu efumana ingeniso ephantsi, ukukhubazeka, ubuchule obulinganiselweyo bamaNgesi, okanye abo baneminyaka engama-60 nangaphezulu. Amatsha - ntliziyo aqikelelekileyo alungiselela ukubuya kwiindawo zoluntu.

Nayiphina indlela oyikhethayo, i-e-filifi ikhawulezile, ichane ngakumbi kwaye iziphumo zirola ngokukhawuleza (ngokufuthi kwientsuku ezingama-21). Iplagi yephepha ingathatha iiveki okanye iinyanga ukwenza.

Uqwalaselo lokukhankanya lwemeko-

Iirhafu ze-flative ezithe tye azingokopi nje yokubuya kwakho kwezwe. Urhulumente ngamnye unemithetho yakhe emalunga nengeniso ehlawulwayo, iincopho, kunye neetyala. Uninzi luthi “piggyback” kwingeniso ehlengahlengisiweyo karhulumente (AGI) kodwa emva koko lusebenzisa utshintsho lwazo. Umzekelo, urhulumente angafuna ukuba wongeze iincopho ezithile zikarhulumente (njengerejistanti yerhafu yasekuhlaleni ozibizayo kwiShedyuli A) okanye ususe izinto zikarhulumente eziphepha-mvume (njengeenzuzo zokhuseleko lwentlalo okanye iimpempempe yomkhosi).

I-States ikwanexesha elahlukileyo. Ngelinye ixesha elilandelwayo kunyaka wexesha omisiweyo ka-April 15, amanye amaphondo (umz. Virginia, Delaware) anemihla yawo elindelekileyo. Ukuba uhlala kwelinye ilizwe kodwa usebenza kwelinye, kungafuneka ukuba ubhale ummi ongahlaliyo ophinde wabuyela kwilizwe lakho lomsebenzi kwaye ubophelele ityala lerhafu ehlawulwa kwimo yombuso wakho ebuyayo. Lo ngumsebenzi ongcono ukuqala urhulumente wakho emva kokugqiba ukubuya komthetho wolawulo, nokusebenzisa i-software okanye ugqirha oqhuba izibalo zezomthetho.

Ityala lokunganikezeli: Kwenzekani Ukuba Uphoswe

Ukungaphumeleli ukunikezela okanye ukuhlawula ngexesha elibangela izigwebo nenzala. Isohlwayo samva sonyuko si-5% serhafu engahlawulwayo yenyanga nganye (okanye iqhezu) ukuba ukubuya kusemva, kubekwe kwi 25% iyonke. Ukuba ufaka ifayile ngaphezulu kwemihla engama-60 emva kwexesha, isohlwayo esincinane sincinane kakhulu kwi $4585 (kungoko 2024 ibuyisela) okanye 100% yerhafu efunekayo. Isohlwayo sasemva se-0.

Nokuba ngaba awunakukwazi ukuhlawula imali epheleleyo ebotshelelweyo, bhala ubuyelo lwakho ngexesha ukuze uphephe isohlwayo samva. I-IRS inika izicwangciso zokuhlawula (izivumelwano zesivumelwano zesivumelwano) kwabo bangakwaziyo ukuhlawula ngokupheleleyo. Ungafaka kwi-intanethi kwiplani yexeshana elifutshane (110 iintsuku okanye ngaphantsi) okanye isicwangciso sexesha elide (imali ehlawulwa ngenyanga). Kukho umrhumo wesicwangciso, nangona abaqeshi bemali ephantsi bangafanelekela ukuhlawulwa yimali encitshisiweyo. Ukuba awukwazi ukuhlawula kwaye awukwazi ukuhlawula ifayili, ubeka engozini i-IRS yokubuyisela umngeni wokubuyisela kuwe-W-2 kuphela, kungekho ngeniso okanye ityala, ikhokelela kwintengo yothengiso ephezulu kakhulu.

Ukuhlala Ulungelelanisiwe Unyaka Wonke: Uqheliselo olungcono lokugcina iingxelo

Eyona ndlela isebenzayo yokuphepha uxinezeleko lwexesha lokuhlawula irhafu kukugcina iirekhodi ezicwangcisiweyo kulo nyaka wonke. Qala incwadi enikezelweyo `yokwenyama okanye yamanani'.' kwemivo. I-skeni kunye nee-lisithi zerhafu, ii-invoices, kunye nee-oglocks ze-mayile njengoko zingena. Sebenzisa i-software enika ingxelo njenge Quick Books, i-Xero, okanye kwanesethi yesiseko esinikezelweyo sokufumana ingeniso kunye neenkcitho ngenyanga. Oku akukuxhasi kuphela i-sclex

Amaxwebhu angundoqo emawaqukwe:

  • W-2, 1099, K-1, kunye nazo naziphi na ezinye iingxelo zengeniso
  • Iirejista zeendleko ezinokusetyenziswa (ishishini, ezonyango, ezokunceda abantu, imfundo, njl.)
  • Ingxelo yesidlangalala (Form 1098)
  • Amatyala erhafu yomhlaba nezitisi zemali
  • Iingxelo zerhafu eziqikelelwayo ezenziwa ngonyaka
  • Kwiminyaka engaphambi koko, irhafu ibuyiselwa (ubuncinane iminyaka emithathu ukuya kwesixhenxe, kuxhomekeka kummiselo wemiqathango)

Ugcino lwamanani lwamkelekile; i-IRS yamkela iintlobo ezivavanyiweyo zee-lisithi kunye namaxwebhu asayiniweyo. Sebenzisa ugcino lwamafu kwaye qinisekisa ukuba iirekhodi zakho zikhuselwe ngegama eligqithisiweyo. Umgudu omncinci nyanga nganye ungasindisa iiyure zentloko ngoAprili.

Irhafu eqikelelweyo kunye nocwangciso lokubhatala

Ukuba usebenza, ukhululekile, okanye unengeniso ebanzi yotyalo-mali, kufuneka uhlawule irhafu eqikelelwayo ngokwekota ukuze uphephe isohlwayo esiphantsi kwemali. I-IRS ifuna ukuba uhlawule ubuncinane i-90% yerhafu yonyaka olandelayo okanye i-100% yerhafu yonyaka ongaphambi konyaka (10% ukuba ingeniso yakho ehlengahlengisiweyo ingaphaya kwe-R150 000) ngokuhlawula okanye ngokuqikelelwayo. Irhafu yerhafu ifaneleke ngoAprili 15, Juni 15, se-95, kunye noJanuwari 15, ka-15, kunye noJanuwari 15, ka-15 kanyaka olandelayo. Uthelekelela, kwaye ungahliswa kwanokuba ubhaliswe ngokupheleleyo ngoApril 15. Sebenzisa iFrectory 10-ES 40-s kubalwa okanye uhlawule nge-intanethi usebenzisa i-IRSCSCSCSCreacreast okanye u-ExSCecreast).

Ukufumana ibhaso kwimali yakho yekota, bonisa ingeniso yakho yonyaka oyayifumana kunye nezincopho zonyaka ozifumanayo ngokuchanekileyo kangangoko kunokwenzeka. Ukuba umvuzo wakho uyaguquguquka, ungasebenzisa indlela yokwahlula-hlula ingeniso yonyaka ukuze wahlukane ingeniso yakho ngokwemali ekhoyo kwikota nganye. Oku kuphepha ukuhlawula kakhulu ekuqaleni konyaka kodwa kufuna ugcino-rekhodi olungakumbi.

Iimpazamo Zerhafu Eziqhelekileyo Nendlela Yokuziphepha

Nabalawuli abanamava batyibilika. Nazi iimpazamo ezisoloko zikho ezinokuthi zilibazise ukubuyiselwa okanye ukuqhushumbisa uphicotho-zincwadi:

  • [[UMTL: 0] Iimpazamo ze-Math – Imposiso zodityaniso olulula okanye zokuthabatha. I-filtering project ibala ngokuzenzekelayo, kodwa iifayile zamaphepha kufuneka ziphindwe kabini jonga umgca ngamnye.
  • Ukuphosa okanye ukuphosa okanye ukuphosa intelekelelo yoKhuseleko lweNtlalo - Qinisekisa zonke ii-SS, iqabane lakho, kunye nabaxhomekeki kuwe. Utshintsho olunye lungabangela ukwaliwa.
  • Ukuhlala phantsi kwemeko engalunganga - umzekelo, ukuqokelela njengentloko yendlu xa ungafikeleli imilinganiselo, okanye njenge shedi yomtshato yodwa xa idityaniswe inokuba yingenelo kakhulu.
  • [[UMTL:0] Ukulibala ukuchaza yonke ingeniso – i-IRS ifumana imibhalo yayo yonke W-2 kunye 1099s. Imvume zibhalelwe lula. Ukuba ufumana i1099 emva kwefatyi, ungafuna ukuqukunjelwa.
  • Ukukhangela iityala kunye nezincopho - Ukungayiyo iEITC, amatyala emfundo, okanye i-Credit’s Treaker ishiya imali etafileni. Sebenzisa i-software ebuza imibuzo ethile.
  • [[FLT: 0] Ukusayina ubuyelo[[FLT: 1] – ucolble reverses kumele ityikitywe nge PIN; iphepha lifuna utyikityo oluphathekayo. Iindlela ezingasayinwanga zithathwa njengengasebenzi.

Ukucutha iimpazamo, qokelela onke amaxwebhu phambi kokuba uqalise, sebenzisa i-software yokulungisa irhafu, kwaye qwalasela ukuba nohlolo lwengcaciso ukuba imeko yakho intsokothile. Ukuba ufumanise impazamo emva kokugcina ifayile, ungangenisa Ifomu 1040-X (ibuyisela eligqityiweyo). Uqhele ukuba uneminyaka emithathu ukusuka kumhla olindelekileyo wokuyila ulungiso.

Isiphelo

Ukwazi ii-arhente ezisisiseko zerhafu bubuchule obubalulekileyo kwimpilo yemali. Ngokuqonda iimbopheleleko zakho, ukuhlonela ixesha elifutshane, ukukhetha iifomu ezifanelekileyo, iintengiso kunye neemali, nokukhetha indlela efanelekileyo yokubhala, ungasebenzisa ixesha lerhafu ngentembelo. Isitshixo kukuqalisa ixesha lerhafu elifanelekileyo, hlala ulungelelanisa unyaka wonke, ungaze uthandabuze ukufuna ukhokelo lobuchule xa imeko yakho yerhafu inzima. Ukusebenzisa imithetho karhulumente neyombuso akungokukukukukuphepha nje ukulawulwa kwemiqathango yakho yemali nokuzenzela izigqibo ezikubeka kwimeko engcono. Ukuba ngaba ufaka iifayile okanye uqesha iprojelo, ungazenzi ixesha lokuqonda inkqubo yerhafuthe emva kokuba kudlule umhla ka-April.