-Delile
Ukushada noma ukungashadi kuyisinqumo somuntu siqu. Kodwa-ke, uma ubheka izindleko ezilethwa umshado, abaningi bakhetha ukuhlala ngaphakathi noma ubudokotela. Lokhu akulona iqiniso ngokuphelele. Bangu izinzuzo zezezimali zomshado ngathi kunenkululeko ethintekayo ebuchosheni.
Ngezansi kunezinye zezinzuzo zomshado okufanele wazi ngazo.
Izinzuzo zokushada
1. Izinzuzo zezenhlalakahle
Imibhangqwana eshadile ijabulela izinzuzo ezithile zokuphepha komphakathi.
Njengokuthi, nobabili ninelungelo lokuthola i- inzuzo yomlingani lapho nobabili nithatha umhlalaphansi futhi uma omunye wenu ekhubazekile. Ngaphezu kwalokhu, umhlomulo womuntu osindile uqinisekisa ukuthi uthola inkokhelo kuze kube uyaphila ngemuva kokushona komlingani wakho.
Ingxenye engcono kakhulu ukuthi unelungelo lokuthola izinzuzo zomlingani kungakhathalekile ukuthi ubusebenza noma cha. Kudinga nje ukuthi oshade naye usebenze iminyaka eminingi edingekayo ukuthola izinzuzo zomshado.
2. Ukuguquguquka kwezezimali
Uma unomthombo owodwa wemali engenayo, ukuphatha izindleko zasekhaya kuba nzima. Lokhu kunwetshelwa ngisho nangesikhathi uthatha imalimboleko.
Uma ushadile, futhi bobabili behola, umthombo wemali uphindwe kabili futhi ukuhlunga izinto zezezimali kuba lula. Ungathatha imalimboleko ehlanganyelwe, wonge imali eyanele ukukhokha imalimboleko yangaphambilini, uma ikhona, futhi ingakwazi ube nempilo engcono.
3. Inzuzo yomholo
Ngenkathi kubhalwa ama-slabs entela, izikhulu ziqinisekisa ukuthi abakhokhi bentela bemindeni ephansi noma abaphakathi abathwaliswa intela eningi. Ngakho-ke, uthola izinzuzo uma ushadile.
Kulokhu, imindeni ehola yodwa ingajabulela inzuzo njengoba imali engenayo ingaphansi kwebakaki lentela. Ngokunjalo, imindeni ethola imali emibili ingavuna amabhonasi uma kwenzeka umehluko okhokhelwayo ungosayizi ohloniphekile.
3. Ukuphepha kwezezimali
Sixoxe ngenhla ngokuthi imibhangqwana eshadile ingajabulela kanjani izinzuzo zokuphepha komphakathi ngokungafani nabantu abangashadile. Ngokufanayo, lapho ushadile, wena ujabulele ukuphepha kwezezimali kanjalo.
Isibonelo - Ake sicabange ukuthi nobabili niyasebenza. Esimweni esinjalo, akudingeki ukhathazeke ngezimali nhlobo, noma ngabe omunye wenu ephakathi kwemisebenzi. Kuhlale kunokungena kwemali endlini.
Kubantu abangashadile, kufanele bakhathazeke ngezinto uma baphakathi kwemisebenzi. Emndenini wabo, kufanele baphathe izindleko zabo bebodwa.
4. Ukonga
Uma ungaqhathanisa ukonga i-bachelor kanye nabashadile, ungathola ukuthi imibhangqwana eshadile iyakwazi londoloza okuningi nsuku zonke kunama-bachelors.
Isizathu futhi singumthombo owodwa wemali engenayo. Noma ungahola yedwa emndenini wakho, ungajabulela izinzuzo ezithile zentela ezizokusiza ukuthi ugcine okuningi. Lezi zimali kamuva zilondolozwa zibe yimali enkulu.
5. Ukungakhokhiswa intela efeni
Uma ungashadile futhi uthola ifa njengefa, kufanele unikeze inani elikhulu ku-IRS. Isamba sifinyelela ku-40%. Kodwa-ke, isimo sihlukile uma ushadile.
Imibhangqwana eshadile ithola ukukhishwa komshado okungenamkhawulo ngemali noma impahla abayithola njengefa kwabalingani babo. Ngaphezu kwalokho, ukushada kusho nokuthi ungashiya inani elingakanani olidingayo ezizukulwaneni zakho zesikhathi esizayo, ikakhulukazi uma umlingani oyedwa ethatha umthwalo wokwakha lowomcebo.
Lokhu kungenye ye- izinzuzo zezimali zomshado.
6. Ukugcwalisa izintela
Uma ukhuluma ngezinzuzo zentela zokushada, nobabili ningafaka ngokuhlanganyela intela yenu. Uma nobabili nihola ngokufaka intela ngokwehlukana nizogcina nikhokha intela ephezulu. Kodwa-ke, uma nobabili nilifaka ngokuhlanganyela, nizokhokha intela encane.
Ngokunjalo, uma unomuntu oyedwa osebenza ekhaya, futhi imali engenayo iphakeme, kuwukuhlakanipha ukukhokha intela ngokuhlanganyela ukuze ujabulele inzuzo yentela.
7. Umhlomulo osemthethweni
Ama-Bachelors anenkinga yokubeka izihlobo uma kunesimo esiphuthumayo. Kodwa-ke, umbhangqwana oshadile ungagcinana eduze kwezihlobo ngesikhathi sezimo eziphuthumayo zomthetho noma zezokwelapha. Lokhu kuzosiza ekwenzeni lezi zinqumo zibe ngcono futhi zisheshe.
Isibonelo - Oshade naye angafaka icala ngokumelene negunya ngokufa okungafanele komlingani wakhe. Ngokunjalo, umlingani angathatha zonke izinqumo zomthetho noma zezokwelapha egameni lomlingani wakhe.
8. Isu lokuthatha umhlalaphansi
Lapho othile eshiya i-akhawunti yakhe yomhlalaphansi noma i-IRA kumuntu ongashadile naye, unemikhawulo ethile ngokuhoxa futhi kufanele akhokhe intela.
Lokhu akusebenzi uma beshiya i-akhawunti yabo kubalingani babo. Lapha, umlingani une- inkululeko yokuqaqa ama-akhawunti azuzwe njengefa kuzona bese zihoxa ngokwentando yazo.
9. Izinzuzo zomshuwalense wezempilo
Umbhangqwana oshadile ungasebenzisa umshuwalense wezempilo womunye nomunye uma kunesimo esiphuthumayo. Lokhu akunakwenzeka uma ungumbhali. Esimweni esinjalo, ungasebenzisa umshwalense wakho wezempilo kuphela.
Kwabashadile, lokhu kuyasiza uma omunye wabalingani engasebenzi noma engatholi umshuwalense wezempilo enkampanini yabo.
10. Inzuzo engokomzwelo
Okokugcina, uma sesixoxe ngazo zonke izinzuzo zezimali zomshado, ake sixoxe ngenzuzo engokomzwelo.
Umbhangqwana oshadile, ngokwemibiko ehlukahlukene, unempilo enempilo futhi ende. Bayasizana ukusekela ngezikhathi ezimbi ezigcina zibanikeza ukuthula kwengqondo. Kodwa-ke, lezi zinto azinakwenzeka uma usuyisikhwama.
Awunaye umuntu ozohamba naye lindela ukusekelwa ngokomzwelo noma kwezezimali, nganoma yisiphi isikhathi esithile empilweni. Lokhu ngokuqinisekile kunomthelela kuyo yonke impilo yengqondo nengokwenyama.