'Lixesha lokufayilisha irhafu, nakwabo basebenza ngokukhululekileyo, inkqubo inokuba nzima ngakumbi. Xa uziqeshile, uthathwa njengomqeshi nobabini kwaye umqeshwa, u-Aaron Smyle, umongameli kunye nomsunguli we-New York USmyle kunye nabaDibeneyo uxelela Unyango lweNdlu. Ke ngoko, ii-freelancers zinoxanduva lokuhlawula lonke ixabiso leerhafu (okt Ukhuseleko lweNtlalo kunye neMedicare), ngokuchasene nesiqingatha kuphela.
Kuba abantu abaziqeshileyo baphathwa njengamashishini azimeleyo, uMikkel Jensen, uMlawuli oLawulayo waseU.S. Ageras , Abasebenza ngokukhululekileyo banokubhala phantsi iindleko ezithile ezinxulumene nomsebenzi njengokuncitshiswa kwerhafu ebhaliweyo. Ukuqonda ukuba zeziphi izinciphiso onelungelo lokufumana isitshixo sokonga imali kwityala lakho lerhafu, uyachaza. Njengomntu osebenza yedwa, unokufaka ibango lokuncitshiswa kwinkcitho ‘yesiqhelo kwaye iyimfuneko’ emsebenzini wakho, ethi yona kwi-IRS ithethe izinto ezinje ngezixhobo zeofisi, iikhompyuter, kunye neendleko zokuhamba.
Ngaba unomdla wokufunda ngakumbi malunga nokuba zeziphi iintlobo zokutsalwa kwirhafu onokuthi ufaneleke ukuba uzenze njenge-freelancer? Ukusuka kwiiklasi ezinxulumene nomsebenzi kunye nezinto zokuthengisa kunye nokunye, nazi ezinye iindleko ezimangalisayo zokucwangciswa kwamashishini kunye neengcali zezezimali bathi abantu abaziqeshileyo banokuxela xa begcwalisa irhafu yabo yonyaka-ukuba nje banazo iirisithi zokubonisa.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UAimée Mazzenga
Iindleko zemfundo ezinxulumene nomsebenzi
Abantu abazimeleyo abathatha iiklasi zemfundo okanye abatyala imali kuphando olunxulumene nomsebenzi wabo banokubanga ezi ndleko njengokuncitshiswa kwerhafu. Izifundo zemfundo kunye nezinto eziyimfuneko ukuphucula umsebenzi zinokutsalwa, utshilo uJoan Crain, uMlawuli oMkhulu kunye neQhinga lezeMali leHlabathi Ulawulo lweBNY Mellon . Oku kubandakanya ukubhaliselwa kushicilelo lobungcali kunye norhwebo.
Nangona kunjalo, uTina Orem, ingcali yerhafu e INerdWallet , ithi imfundo kufuneka ihlangabezane neemfuno ezithile ukuze itsalwe. Unokuba uphume kwithamsanqa ukuba imfundo iyimfuneko ukuhlangabezana neemfuno ezisezantsi zemfundo yorhwebo lwakho lwangoku okanye ishishini, okanye ukuba yinxalenye yenkqubo ekufaneleyo ukuba usebenze kurhwebo okanye kwishishini elitsha, uyachaza. Upapasho lwe-IRS 970 inazo zonke iinkcukacha.
Izixhobo zeOfisi neeNkonzo
Icandelo le-179 yeKhowudi yeNgeniso yangaphakathi ithi ezinye iziqwenga zamatikiti amakhulu ezixhobo zeofisi, ezinjengeelaptops, iimonitha, isoftware, iidesika, kunye nezitulo zinokukufanelekela ukuncitshiswa kwirhafu ukuba ngaba zizinto zeshishini lakho. Ngeenjongo zokutsala irhafu, izixhobo zeofisi zibandakanya izinto ezithengwa ukuba zisetyenziselwe ixesha elide, kwaye ke, ukwehla ngokuhamba kwexesha, uJensen ucacisa.
Abaxhasi be-Freelancers banokuphinda bathathe izinto ezithile zeofisi, kubandakanya iipeni zokubhala, izitampu zokuposa, i-inki yomshicileli, kunye neeklip zephepha, kwiirhafu zabo, ukuba nje zisetyenziselwa iinjongo zeshishini kuphela . Ukubonelelwa kweofisi nako kufuneka kusetyenziswe kungaphelanga unyaka wokuthenga ukuze ufaneleke, njengoko zithathwa njengempahla yexesha elifutshane, utshilo uJensen.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: UHana Puechmarin
Igalelo kwiNgxowa-mali yoMhlala-phantsi
Amaxesha amaninzi ukungahoywa kodwa kunempembelelo enkulu kwimbuyekezo yerhafu, uCrain uthi igalelo elithile iiakhawunti zomhlala-phantsi yenye ye ezona zinkulu zithathiweyo ukuba freelancers banokubanga. I-Solo 401 (k) s okanye i-Pension Employee Pension (SEP) ye-IRAs inokuxhaswa ngemali nangaliphi na ixesha kunyaka werhafu (okanye kwimeko ye-SEP IRA, nasemva kokuphela konyaka ukuba yenziwa ngaphambi kokuba kufakwe irhafu Umhla obekiweyo), kwaye umda wenkxaso mali unesisa, uyacacisa.
Ukuba ungumntu ozisebenzayo ofumana umvuzo ophezulu, uCrain uthi ukufaka isandla kwi Defined Benefit (DB) ipension plan - isicwangciso somhlala-phantsi esinezibonelelo zonyaka ochaziweyo oza kuzifumana xa uthatha umhlala-phantsi - sesona sithintelo sikhulu serhafu esinokukunceda ukuba wakhe ingxowa-mali yomhlalaphantsi. Olu luphawu lobulumko lwabantu abafuna ukukhupha imali nangakumbi, uyachaza.
Iindleko zentengiso kunye neNtengiso
Nokuba uhamba ngenja unamakhadi amnandi eshishini okanye igcisa lokuzenzela elihlawula iintengiso kuFacebook, uJensen uthi naziphi na izinto zokwazisa ezisetyenziselwa ukutsala abathengi abatsha zithathwa njengeendleko zeshishini. Iindleko zentengiso kunye nentengiso ziyipesenti ezitsalwayo, utshilo.
Kwabasebenza ngokukhululekileyo, uJensen uthi oku kuthetha ukufumana imali ibuyile ngemali oyichithile ekwakheni iwebhusayithi. Oku kuncitshiswa kubandakanya iindleko ezinje ngeendleko zoyilo lwewebhusayithi, kubandakanya nokuqesha umyili okanye ukuthenga itemplate ehlawulelwa kwangaphambili; ukubamba iwebhusayithi yakho; izongezo zewebhusayithi kunye neeplagi; kunye nokugcinwa kwendawo, uyachaza.
Gcina Ncamathisela Bona eminye imifanekiso Ityala: Elissa Crowe
Ukusetyenziswa kwefowuni ekhethekileyo
Ukuba usebenzisa iselfowuni rhoqo emsebenzini wakho, i-Orem ithi i-IRS iyakuvumela ukuba ubange isahlulo sebhili njenge- Iindleko zeshishini . Ngokubanzi, ubungakanani betyala oyanyaniswa nokusetyenziswa kweshishini lakho bunokutsalwa, uyachaza. Translation: Ukuba iipesenti ezingama-40 zexesha olichitha kwifowuni linxulumene neshishini, emva koko unokutsala iipesenti ezingama-40 zetyala lakho lefowuni.
Nangona kunjalo, u-Orem uthi ukuncitshiswa okufanayo akusebenzi kwimida yomhlaba. Kwimihlaba yasendlwini, indleko zomnxeba wokuqala kwindlu yakho ngesiqhelo ayixhuzulwa, kodwa umnxeba wesibini ngokubanzi utsalelwa ukuba usetyenziselwa ishishini lakho kuphela, uyacacisa.
Uncedo lobungcali
Ukuba uyazisebenza, ngokuqinisekileyo iinkonzo zobungcali , kubandakanya nemirhumo ehlawulwe abagcini zincwadi kunye nabacebisi bezomthetho, zinokubangwa njengeendleko zeshishini kwimbuyekezo yakho yerhafu. Ukufuna irhafu kunye neengcebiso zomthetho-kubandakanya uncedo ekulungiseleleni ukubuya kwirhafu-kufanelekile ukuba lixabise iindleko zabasebenza ngokukhululekileyo, kwaye iifizi ziyaxhuzulwa, utshilo uCrain.
Ayizukuqesha kuphela umgcini zincwadi ukuze akuncede ufayilise iirhafu njengokutsalwa, uJensen uthi inokukugcinela imali eninzi kwityala lakho lerhafu. Unokuba noxolo lwengqondo lokuba uya kuthintela uphicotho-zincwadi kwaye, gcina eyona mali, ukuba umgcini zincwadi zakho zerhafu uhlaziyekile kwimigaqo nemimiselo yamva nje, utshilo.
