Indlela yokulinganisela kunye nokwandisa i-Akhawunti yakho yokuThengisa iFlexible

I-akhawunti yokuchithwa kwe-flexible iyinzuzo enokuthi inikezwe ngumqeshi wakho ekuvumela ukuba ubeke eceleni imali ngexesha lonyaka wekhalenda ukuhlawula iindleko okanye iindleko zonyango, kunye neendleko ezongezelelweyo ezifanelekileyo ezifana nemali yokunakekelwa kwemini. Isibalulekileyo kukukwazi ukuqikelela indlela enokulinganisela ngayo imali ekubekwe bucala, ngoko ke ukwandisa ukusebenzisa kwayo ukuze ungayi kulahlekelwa nayiphi na loo mali.

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Uqwalaselo - Ukwandisa imali yakho yokugcina kwi-Akhawunti ye-Flexible Spending Account (FSA)

Unyaka ngamnye, njengoko ubona isicwangciso se-inshurensi yezempilo yinto efanelekileyo kuwe ngexesha lokubhalisa okuvulekileyo, umqeshi wakho unokukuvumela ukuba ulungise i-akhawunti yokuchithwa kwemali. Ukuze wenze oko ngempumelelo, uya kufuna ukuqonda indlela yokwandisa ukusetyenziswa kwe-akhawunti yokuchithwa kwe-flexible (FSA).

Ukwandisa ukugcina kwakho ngokusebenzisa i-FSA akumele kube nzima. Nazi ezinye iindlela ekukuhamba ngazo ngokuqaphela oko kuza kuchaneka ngakumbi-ngaphandle kwee-paychecks:

1. Yazi iMigaqo ye-IRS malunga ne-FSAs
   
2. Qinisekisa phi Imali Oya Kufuna Ukuyihlawula Iindleko Zonyaka Zonyaka (FSA)
   
3. Yenza iMathethi ukuba iQinisekise i-FSA yakho yokubeka
   
4. Inyathelo lokugqibela - Ukukhusela ukulahlekelwa kwemali yakho yonyaka ozayo

(Qaphela: Musa ukudibanisa i-Akhawunti ye-Flexible Spending Account (FSA) nge-Akhawunti ye-Savings Health (HSA).

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Yazi iMigaqo ye-IRS malunga ne-FSAs

Phakathi kwezinye i-Internal Revenue Service (IRS) imithetho, kukho ezimbini iingongoma eziphambili zokwazi malunga neFSA:

1. Uya kugqiba inani elipheleleyo lemali okulindele ukuyichitha ngexesha lonyaka wekhalenda kwiindleko ezifanelekileyo zokufumana iifowuni (jonga ngokulandelayo.) Isixa-mali siya kwahlulwa inani lenkokhelo oyifumanayo ngonyaka, kwaye loo mali iya kuncitshisiwe, uze ufake kwi-akhawunti yakho ye-FSA. Abanye abaqeshi banikela iminikelo kubasebenzi be-FSAs, apho ixabiso eliyithathwe kwi-paycheck liya kuncitshiswa ngumlinganiselo wakho umqeshi uncedisa.

   Ekubeni imali echithwe kwi-paycheck yakho iphuma ngaphambi kokuba uyihlawule irhafu, uya kusindisa inani lemali yakho irhafu iya kuhlawula. Isixa oza kusindisa sixhomekeke kwibakethi yakho yentela kunye nezinye iirhafu. Umzekelo: ukuba usekhokhini yerhafu ye-25% kwaye ubeka i-$ 1000 kwi-FSA yakho, unokugcina imali engama-$ 250 kwerhafu.

2. Ngethuba nje uchitha imali leyo kwiindleko ezifanelekileyo , awuyi kuhlawula irhafu kuyo. Ngeke ube nethuba lokuchitha kuyo nayiphi na enye uhlobo lweendleko, nangona kunjalo ....

3. Ukuba awuyikuchitha yonke imali efihliweyo kwi-FSA yakho ngaphambi kokuphela konyaka apho ifakwe kuyo, ngoko uya kulahla loo mali. Awukwazi ukuyithwala unyaka unyaka.

   Ngenxa yoko, ukwazi okokuba ngumncedi omkhulu wemali nje kuphela xa usebenzisa yonke imali kwi-akhawunti, uya kufuna ukuqikelela ngokucophelela imali ekubekwe eceleni kwi-FSA yakho. Ufuna ukufaka imali eninzi kunokwenzeka ukuze ufumane ikhefu elikhulu lekhefu, kodwa ufuna ukuqiniseka ukuba awuyi kufaka enye ipenseli enye ukuze ungayi kulahlekelwa nayiphi imali ekupheleni konyaka.

Isinyathelo esilandelayo: Qinisekisa phi Imali Oya Kufuna Ukuyihlawula iindleko zonyaka ozayo

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Qinisekisa phi Imali Oya Kufuna Ukuyihlawula Iindleko Zonyaka Olandelayo

Njengokuba uqikelele iindleko zakho zokunakekelwa kwempilo ekuqaliseni inketho yakho engcono kwi-inshurensi yempilo ngexesha lokubhalisa okuvulekileyo, uya kufuna ukuqikelela kwakho kwiindleko zonyango (ngaphandle kwezinye iindleko ezifanelekileyo) ngexesha lonyaka ozayo. Kufakwe kuloluhlu luya kuba zonke iindleko zempilo kunye nezokwelapha apho umgcini-mali wakho angagubungeli, njengombono , amazinyo, iibhetri zokuncedisa ukuva kunye nezinye ezininzi .

I-IRS igcina uluhlu lwezonyango nezempilo ezifanelekayo eziya kutshintshwa unyaka unyaka. Nceda uqaphele ukuba ii-FSAs kwakhona zivumela i-asides yokubeka iindleko ezongezelelweyo ezingezonyango.

Ngokusemandleni akho, yenza uluhlu lwezinto ezo ziindleko. Ukuphuhlisa imeko yakho kunye nentsapho yakho eya kuba yinto eqhelekileyo ukuba uya kusebenza nayo. Faka ixabiso elifana nenani loqeshwe ngugqirha ngalinye ilungu lentsapho linokulinganisela kunyaka wekhalenda, lwandiswe ngumvuzo-ntlawulo ngamnye. Ngaba kukho nawuphi na osentsapho yakho ogqoka iiglasi okanye oonxibelelwano? Umzobo kwiindleko zakho zokuphuma ngaphandle. Ingaba uhlawula ngaphandle kwe-pocket ukwenzela ukufihla kwamazinyo? Kuthiwani ngolawulo lokuzalwa? Ziquka ezo ndleko kwiluhlu lwakho, kwakhona.

Qaphela: Kwakukho utshintsho kwimithetho eqala ngonyaka werhafu ka-2011 - izidakamizwa ezininzi ezingaphezulu kwee-counter areingabonwa njengeendleko ezifanelekileyo ngaphandle kokuba unemishanguzo yazo. Ngoko ke, akufanele ukubala xa uqikelela ukuba uza kusindisa kangakanani kwiFSA yakho. Nantsi ulwazi oluthe xaxa malunga ne- FSAs kunye neziyobisi ezingaphezulu kwe-counter-IR-IR .

Isinyathelo esilandelayo: Yenza iMathethi ukuba iQinisekise i-FSA yakho yokubeka

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Yenza iMathethi ukuba iQinisekise i-FSA yakho yokubeka

Kalokunje ukuba unokwenza ukuba uqaphele ukuba zeziphi iindleko zakho ezifanelekileyo eziya kuba ngumnyaka, ungayisebenzisa ukwenza izibalo ngeendlela ezimbini, enye inokwakheka kwaye enye ifanele ibe kufuphi nento oyisebenzisayo:

• Indlela ekhuselekileyo yokuqinisekisa ukuba ubeke eceleni ngaphantsi kokuba ucinga ukuba uya kuchitha ukuze ungabi naliphi na imali ekupheleni konyaka. Ukuba uchitha ngaphezu kokuba ubeke eceleni, kuthetha ukuba uzakuhlawula irhafu kuloo mali eyongezelelweyo ngenxa yokuba ayiyi kufakwa kwiFSA. Ukuba le yindlela ofuna ukuyithatha, phinda uphinde uqikelele u-80% okanye i-90% ukufika kwi-FSA ibeke eceleni imali oyiya kumqeshi wakho.

• Indlela ekhuselekileyo kukunika ingxelo yonke loo mali eqikelelweyo kumqeshi wakho, nokuba ngaba awuqinisekanga ukuba uya kuchitha yonke into. Oku kuya kukuvumela ukuba inzuzo enkulu yerhafu.

  Xa usondela kufuphi ekupheleni konyaka, kwaye ukuba awuzange uchithe yonke imali kwi-akhawunti yakho, kukho ezinye izicwangciso zokukunceda ukuba uchithe ukuze kungabi nakubhubha.

  Nangona ungazithengi konke, ukuphuka kwerhafu imali ongayichithe kuyo kuya kwenza ukuba umehluko. Kulo mzekelo ungentla, ulondoloze i-$ 250 kwiirhafu. Nangona uchitha ixesha elingaphezulu kunokuba uqikelele ukuba ungaphantsi kwee-$ 250, uza kuzuza inzuzo yakho kwi-FSA yakho.

Kwimeko apho, xa ufike ngenani lakho, umqeshi wakho uya kulwahlula inani elipheleleyo le-FSA olinikezelayo ngenani leentlawulo ozenzayo kunyaka owodwa. Yiyo loo mali eza kuncitshiswa kwi-paycheck nganye-kwaye loo mali ayiyi kuphinda ihlawule irhafu kwakhona.

Inyathelo lokugqibela: Ukukhusela ukulahlekelwa kweMali Elandelayo Yonyaka

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Ukuthintela Ukulahlekelwa Kwemali Yakho Yonyaka Olandelayo-mali oMiselweyo we-FSA

Kukho intambo yokugqibela, ebalulekileyo ekuphuculeni ukusetyenziswa kweakhawunti yakho yokuchithwa kwe-flexible:

Zenzele inqaku lekhalenda ukuze ubuyekeze ukusetyenziswa kwakho kwe-FSA yakho ngo-Okthoba kunyaka ozayo. Uhlaziyo lwakho luya kukuxelela ukuba yeyiphi inyathelo ekufuneka uyithathe xa uphuma ngemali, okanye ukuba unobungozi bokulahlekelwa yimali ebekwe bucala.

Ukuba awuyi kuba nemali eyaneleyo yokuhlawula ukuqeshwa kwakho okuseleyo, imirhumo yeziyobisi kunye nabanye, ke unqume ukuba zeziphi iindleko onokuzihlawulela kunyaka ozayo. Qinisekisa ukuba uzibandakanye ngokuqikelela ukuba unyaka olandelayo njengoko unquma ukulungiswa okufunayo kwiFSA yakho.

Ukuba ufumanisa ukuba unakho imali eseleyo, yenza ukuba abo baqeshwe ubeke ingxelo yakho, kodwa awuzange ulandele. Ngokomzekelo, usenokuba wongeze kwimboniselo yonyumba yamalungu entsapho angakaze abe ngugqirha weziliso. Okanye mhlawumbi ugqirha wakho ucebise uvavanyo lokuhlola ukulungelelanisa phambi kokuphela konyaka. Apha uya kufumana iindlela zokuchitha nayiphi na isetyenzisiweyo se-FSA-eceleni kwemali ukuba ungayichitha .

Ewe, unokuchitha imali kwiindleko ezihambelana nempilo ongazange uzibandakanye uluhlu lwakho lwangaphambili, kwaye uzithumele ukubuyisela imali. Ngokomzekelo, unokuthi ungene kwindawo yengxaki ongenakuyilindela xa wenza ukuba uqaphele. I-IRS ayikhathaleli ukuba zeziphi iindleko, xa nje zibandakanywa kwiluhlu lweendleko ezifanelekileyo .

Ekugqibeleni, bhukhimaka eli nqaku kunyaka ozayo! Uya kuba wenza izibalo ngokuphindaphindiweyo kwakhona, kwaye sisixhobo esinokukunceda ukuba ulinganise ngokuchanekileyo.