Indlela Yokulinganisa Nokukhulisa I-Akhawunti Yakho Ye-Flexible Spending

I-akhawunti yokuchithwa ngokuguquguqukayo yinzuzo enganikezwa ngumqashi wakho evumela ukuthi ubeke eceleni imali phakathi nonyaka wekhalenda ukukhokha izindleko zempilo noma zezokwelapha, kanye nezindleko ezengeziwe ezifanelekayo ezifana nemali yokunakekelwa kwansuku zonke. Isihluthulelo ukwazi ukuthi kungcono kanjani ukulinganisela ukuthi imali engakanani okufanele uyibeke eceleni, bese ukwandisa ukusetshenziswa kwayo ukuze ungalokothi ulahlekelwe yileyo mali.

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Sibutsetelo - Ukukhulisa Ukugcina Kwakho ku-Akhawunti Ye-Flexible Spending (FSA)

Unyaka ngamunye, njengoba unquma ukuthi iyiphi inqubo yomshuwalense wezempilo oyilungile ngesikhathi sakho sokubhalisa evulekile, umqashi wakho angakuvumela futhi ukuba usethe i-akhawunti yokusebenzisa imali. Ukuze wenze lokho ngempumelelo, uzofuna ukuqonda indlela yokukhulisa ukusetshenziswa kwe-akhawunti yokusebenzisa imali (FSA).

Ukukhulisa imali yakho ngokusebenzisa iFSA akudingeki kube nzima. Nazi ezinye izinyathelo zokuhamba ngawe ekunqumeni ukuthi yini ezobekwa kahle kakhulu-ngaphandle kwezinkokhelo zakho:

1. Yazi Imithetho ye-IRS ngamaFSA
   
2. Thola ukuthi Imali Engakanani Ozoyidinga Ukumboza Izindleko Zonyaka Zonyaka (FSA)
   
3. Yenza i-Math ukuthi inqume ukuthi i-FSA yakho isethelwe kanjani
   
4. Isinyathelo sokugcina - Ukuvimbela Ukulahlekelwa Kwemali Yakho Yonyaka Olandelayo

(Qaphela: Musa ukudibanisa i-akhawunti ye-Flexible Spending Account (FSA) nge-Akhawunti Yokulondoloza Impilo (HSA). Imithetho nokusetshenziswa kuhlukile. Funda kabanzi mayelana nokwahlukana lapha .)

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Yazi Imithetho ye-IRS ngamaFSA

Phakathi kweminye imithetho yangaphakathi yeRevenue Revenue (IRS), kunamaphuzu amabili amakhulu okungaziwa nge-FSA:

1. Uzothola inani eliphelele lemali olilindele ukuyichitha phakathi nonyaka wekhalenda ekukhokhweni kwezindleko ezingaphandle kwezezimali (bheka okulandelayo.) Leso samba sizohlukaniswa inani lokukhokhwa okuwutholayo ngonyaka, futhi leyo mali izoba uthathwe, bese ufakwa kwi-akhawunti yakho ye-FSA. Abanye abaqashi banikeza iminikelo kubasebenzi be-FSA, lapho kwenzeka khona imali esithathwe ekukhokhweni kwakho iyonciphisa inani eliqashiwe ngumqashi wakho.

   Njengoba imali ethathwe ku-paycheck iphuma ngaphambi kokuthi ukhokhe intela, uzosindisa inani lemali izinkokhelo zakho ezizokukhokhela. Inani ozoligcina lixhomeke kubakaki bakho yentela nakwezinye izinkampani zakho. Isibonelo: uma usebhankini lentela engu-25% bese ufaka u-$ 1000 ku-FSA yakho, ungase usindise u-$ 250 ngezintela.

2. Uma nje uchitha imali leyo kuphela kwizindleko ezifanelekile , awusoze ukhokhe intela kuso. Ngeke ube nethuba lokulichitha kunoma yiluphi olunye uhlobo lwezindleko, noma kunjalo ....

3. Uma ungayisebenzisi yonke imali eye yafakwa ku-FSA yakho ngaphambi kokuphela konyaka lapho ifakwe khona, khona-ke uzolahlekelwa leyo mali. Awukwazi ukuwuthwala unyaka nonyaka.

   Ngakho-ke, ukwazi ukuthi kungaba ngumsindisi omkhulu uma nje usebenzisa yonke imali ku-akhawunti, uzofuna ukulinganisa ngokucophelela inani elizobekwa eceleni ku-FSA yakho. Ufuna ukufaka imali eningi ngangokunokwenzeka ukuze uthole ikhefu elikhulu lokukhokha intela, kodwa ufuna ukuqinisekisa ukuthi awufaki enye ipenny eyengeziwe ukuze ungalahlekelwa yimali ekupheleni konyaka.

Isinyathelo esilandelayo: Thola ukuthi Imali Engakanani Ozoyidinga Ukuyikhokhela Imali Yonyaka Ezayo

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Qinisekisa ukuthi Imali Engakanani Ozoyidinga Ukumboza Izindleko Zonyaka Ozayo

Njengoba nje ulinganisile izindleko zakho zokunakekelwa kwezempilo ukuze uthole ukuthi ungakhetha kanjani umshwalense wezempilo ngesikhathi sokubhalisa okuvulekile, uzofuna ukuthola ukuqagela kwakho okungcono kakhulu ngezindleko zakho zokwelapha (kanye nezinye izindleko ezifanele) ngonyaka ozayo. Kulolu hlu kuzoba yizo zonke lezo zindleko zezempilo nezempilo lapho umshwalense wakho engafihli, njengombono , amazinyo, ukuzwa amabhethri okusiza nokunye okuningi .

I-IRS igcina uhlu lwezindleko zezempilo nezempilo ezifanelekayo ezingashintsha unyaka nonyaka. Sicela uqaphele ukuthi ama-FSA avumela futhi ama-aside asethelwe ngezinyathelo ezengeziwe ezingezona ezokwelapha.

Ngokusemandleni akho, yenza uhlu lwalezo zindleko. Thuthukisa isimo sakho nomndeni wakho ukuthi kuzoba ukuqagela ukuthi uzosebenza nani. Faka amanani afana nenombolo yokuqokwa kwabadokotela ilungu ngalinye lomndeni lingalinganiselwa ngonyaka wonyaka wekhalenda, landa ngokukhokhwa komunye nomunye. Ngabe okhona emndenini wakho ugqoka izibuko noma oxhumana nabo? Umdwebo ezindleko zakho zokuphuma ngaphandle. Ingabe ukhokha ngaphandle kwe-pocket ukumbozwa kwamazinyo? Kuthiwani ngokulawulwa kokuzalwa? Faka lezo izindleko ohlwini lwakho, futhi.

Qaphela: Kwakukhona ushintsho emithethweni eqala ngonyaka wentela ka-2011 - izidakamizwa eziningi kakhulu ezingasabhekwa njengezindleko ezifanele ngaphandle uma unemithi yazo. Ngakho-ke, akufanele uwabale uma unquma ukuthi uzongisindisa kangakanani ku-FSA yakho. Nansi ulwazi oluthe xaxa mayelana nama-FSA kanye nezidakamizwa ezingaphezu kwe-counter from the IRS .

Isinyathelo esilandelayo: Yenza i-Math ukuthi inqume ukuthi i-FSA ihlelwe kanjani

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Yenza i-Math ukuthi inqume ukuthi i-FSA yakho isethelwe kanjani

Manje ukuthi unakho okuqaphele kakhulu ukuthi yikuphi izindleko zakho eziphelele zezindleko ezifanelekayo ezizoba yonyaka, ungayisebenzisa ukwenza izibalo ezinkomba ezimbili, eyodwa yokuzimela futhi eyodwa okufanele isondele nakakhulu kulokho okusebenzisa ngempela:

• Indlela engcono kakhulu yokuqinisekisa ukuthi ubeke eceleni kunokuba ucabange ukuthi uzokuchitha ukuze ungalahlekelwa yimali ekupheleni konyaka. Uma uchitha okungaphezu kokubeka eceleni, kusho ukuthi uzokhokha intela ngaleyo mali eyengeziwe ngoba ngeke ifakwe ku-FSA eceleni. Uma lokhu kuyindlela ofuna ukuyithatha, bese ukwandisa ukuqagela kwakho ngama-80% noma 90% ukufika ku-FSA ukubeka eceleni imali ozoyibika kumqashi wakho.

• Indlela yokufaka ingozi yokubika yonke imali eqondile kumqashi wakho, ngisho noma ungaqiniseki ukuthi uzoyisebenzisa yini konke. Lokho kuzokuvumela inzuzo enkulu yentela.

  Lapho ususondela ekupheleni konyaka, futhi uma ungazange usebenzise yonke imali ku-akhawunti yakho, kunamasu okusiza ukuwasebenzisa ngakho ngeke alahlekelwe.

  Ngisho noma ungayisebenzisi konke, ukwephulwa kwentela yezindleko ongazange uzisebenzise cishe kuyokwenza umehluko. Esikhathini esingenhla, usindise u- $ 250 ngezintela zakho. Uma nje usichitha okungaphezu kokuqagela kwakho okungu-$ 250, uzothola inzuzo ku-FSA yakho.

Kuzo zonke izimo, uma usuvele unombolo yakho, umqashi wakho uzohlukanisa inani le-FSA eliphelele elihlinzeka ngenani lokukhokha othola ngonyaka owodwa. Lona inani elizokhishwa kwikhekhe ngalinye - futhi yilokho okungeke usadingeka kukhokhe intela.

Isinyathelo sokugcina: Ukuvimbela Ukulahlekelwa Kwemali Yakho Yonyaka Olandelayo

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Ukuvimbela Ukulahlekelwa Kwemali Yakho Ye-FSA Ebekwe Ngaphandle Kwemali Elandelayo

Kukhona isinyathelo sokugcina, esibalulekile ekukhuliseni ukusetshenziswa kwe-akhawunti yakho yokusebenzisa imali eguquguqukayo:

Zenzele inothi lekhalenda ukuze ubuyekeze ukusetshenziswa kwakho kwe-FSA yakho phakathi no-Okthoba ngonyaka ozayo. Ukubuyekezwa kwakho kuzokutshela ukuthi yiziphi izinyathelo ozithatha uma uphelelwa yimali, noma uma usengozini yokulahlekelwa enye imali owabeka eceleni.

Uma ungeke ube nemali eyanele yokukhokha ama-aphoyintimenti akho asele, imiyalelo yezidakamizwa nabanye, bese unquma ukuthi yiziphi izindleko ongazibeka kulo nyaka ozayo. Qiniseka ukuthi uzifaka phakathi kokuqagela kwakho ngonyaka olandelayo njengoba unquma izinguquko ofuna ukuzenza ku-FSA yakho.

Uma uthola ukuthi ungaba nemali esele, bese wenza lezo zikhundla ozibeke ekucabangeni kwakho, kepha ungazange ulandele. Isibonelo, kungenzeka ukuthi wengeze embonweni yokuqokwa kwamalungu omndeni angakafiki kudokotela we-eye. Noma mhlawumbe udokotela wakho uye wakhuthaza ukuhlolwa kokuhlola okungangena ngaphambi kokuphela konyaka. Lapha uzothola amanye amasu wokusebenzisa noma yikuphi ukusethwa kwe-FSA engasetshenzisiwe-eceleni kwemali uma ungakayisebenzisi .

Futhi yebo, ungasebenzisa imali ezindleko ezihlobene nempilo ongazange uzifake kuhlu lwakho loqobo, futhi uzinikezele ukubuyisela imali. Isibonelo, ungase ungene enkingeni yezokwelapha ongenakuyilindela uma wenza ukucabanga kwakho. I-IRS ayinandaba nokuthi lezo zindleko ziyiziphi, uma nje zifakwe kuhlu lwazo izindleko ezifanelekayo .

Okokugcina, bhukhimaka lesi sihloko sonyaka ozayo! Uzokwenza izibalo futhi, futhi ithuluzi elihle lokukusiza ukuba ulinganise ngokunembile.