Malangizo 6 Ogwiritsira Ntchito Ndalama Zanu Mukakhala ndi Matenda Aakulu

Zamkati

• 1. Mulipire misonkho tsopano
• Malangizo amisonkho
  
• 2. Pezani thandizo kuchokera kwa abwenzi ndi zabwino
• 3. Lembani "mbiri"
• 4. Dziwani zomwe muli nazo komanso momwe mungazigwiritsire ntchito
• 5. Mawu oti 'B'
• 6. Konzekerani zinthu musanaganize kuti muyenera kutero

Umu ndi momwe mungapangire patsogolo ndalama zanu, inshuwaransi, ndikukonzekera malo.

Sindichita masamu. Ndipo potero, ndikutanthauza kuti ndimapewa zivute zitani.

Nditha kuwona kuti sindinabwererenso ku pulayimale pomwe ndinali ndi mphunzitsi wamasamba wamisala yemwe chizindikiritso chake chimayang'ana m'maso ndikamafunsa funso. Chifukwa chake pamapeto pake, ndinasiya kufunsa mafunso ndipo ndinayamba kukonda manambala kwa moyo wanga wonse.

Zotsatira zake, mtundu uliwonse wa zowerengera ndalama zapakati pazomwe ndimakonda kwambiri. Ndipo nyengo yamisonkho? Kuchita mantha kwambiri. Epulo lirilonse, ndimatsimikiza ngati ndikalakwitsa chimodzi, ndikupita kundende ya IRS. Kupsyinjika kwanga kumadutsa padenga ndipo ndadzazidwa ndi zokumbukiraninso kwa mphunzitsi wanga wokwiya, wosaleza mtima masamu.

Ndikudziwa, ndikudziwa… ife zonse kupanikizika panthawi yamisonkho.

Kusiyanitsa ndikuti, ndimakhalanso ndi multiple sclerosis (MS) - ndipo izi zimachotsa equation yonse.

Pongoyambira, kupsinjika ndi komwe kumandipangitsa. Ndili ndi matenda omwe amalepheretsa ganizani, makamaka ndikapanikizika - ndipo sindikhala ndekha. Za kukhala ndi matenda osachiritsika kapena chilema.

Kwa iwo omwe ali ndi MS, "cog fog" (aka fog fog) ndizofala zomwe zingapangitse kusungitsa ndalama kubanki, kupereka misonkho, kapena kukonzekera tsogolo langa lazachuma kungakhale kovuta.

Komabe, ndalama ndizofunikira pamoyo wathu. Chifukwa chake ngakhale sindimakonda ntchitoyi, ndikudziwa kuti ndiyenera kupitiliza kukhumudwa ndikupita kubizinesi. Mphunzitsi wanga wakale wamasamu angakhale wonyada.

Umu ndi m'mene ndimagwirira ntchito…

1. Mulipire misonkho tsopano

Zaka zapitazo, ndidaganiza zogwiritsa ntchito Certified Public Accountant (CPA) nthawi yamsonkho. Ine ndi amuna anga timayang'anira zidziwitso zathu chaka chonse, kuziyika m'maspredishithi pamisonkho yaumwini ndi bizinesi, kenako timapereka zonse kwa akauntanti. Amasamutsira ku mafomu amisonkho, amamugwiritsa ntchito matsenga, ndikutumiza ku IRS.

Iye ndi khoka langa lotetezera. Amasanthula chilichonse, amafunsa mafunso angapo, ndikunditumizira kabuku kabwino, kabwino ka zikalata zathu. Ndimasaina ndipo zachitika. Ngati IRS iyenera kukhala ndi mafunso - omwe adachita chaka chatha - akungodina ma key kuti ayankhe.

Mwachilengedwe, sagwira ntchito kwaulere. Koma kwa ine, ndalamazo zagwiritsidwa ntchito bwino. Palibe nkhawa zomwe sizingafanane ndi kupsinjika - zomwe zikutanthauza kuti sipangakhale zovuta. Ndingakonde kulipira ndalama za CPA tsopano ndikulipira ndi thanzi langa pambuyo pake.

Malangizo amisonkho

• Osasiya misonkho yanu mpaka mphindi yomaliza.
• Mukasunga zikalata chaka chonse, zidzakhala zosavuta nthawi yakwana.
• Ngati zakuchulukira, gwiritsani ntchito zamsonkho kapena CPA kukuthandizani kuti mukhale omasuka.

2. Pezani thandizo kuchokera kwa abwenzi ndi zabwino

Kusamalira mwadongosolo ndikukonzekera ndikofunikira, koma popeza MS ndiosayembekezereka, ndidasonkhanitsa gulu la anthu omwe ndimawakhulupirira kuti athandizire kusunga zinthu panjira. Ndimawatcha kuti "anga"gulu lazachuma la alangizi, ”Kapena FBOA.

Za ine, izi zimaphatikizapo loya, mlangizi wa zachuma, ndi abwenzi angapo omwe ali ndi ndalama zambiri. Sindikumva bwino ndikulankhula za ndalama zomwe ine ndi amuna anga timapanga kuti tidziwitse FBOA zanga zavuto lathu ndikupeza upangiri wabwino kwa iwo.

Ngakhale ngati mulibe mfiti yamatani m'moyo wanu, sonkhanitsani gulu kuti likuthandizireni ndikuchepetsa kupsinjika kwa ndalama.

3. Lembani "mbiri"

Ndimagwiritsa ntchito Zoom (yomwe ndi yaulere) kuchita msonkhano wamavidiyo. Nambala iliyonse ya anthu imatha kujowina foni pakompyuta yanu, laputopu, kapena foni yam'manja ndipo - ili ndiye gawo lofunikira kwambiri - mutha lembani zokambiranazo.

Ziribe kanthu momwe ndakhala ndikulembera m'makalata anga, ndimaphonya china chake. Izi zimandilola kuti ndibwerere ndikuyambiranso zokambirana zathu.

4. Dziwani zomwe muli nazo komanso momwe mungazigwiritsire ntchito

Mukudziwa momwe matenda anu amawonekera tsopano, koma ziwoneka bwanji zaka 5? Kapena 10? Mvetsetsani zomwe zingatheke ndikukhala ndi pulani, ngakhale zitakhala zovuta kwambiri.

Funsani dokotala wanu za mapulogalamu ndi mapulogalamu a boma kapena a federal omwe mungayenerere. Ngati mukufuna kulembetsa, mudzafunikiranso nyumba yanu yazachuma.

5. Mawu oti 'B'

Inde, bajeti. Ndimadana ndi kuchuluka kwa zenizeni zomwe ndikudziwa kuti zibweretsa m'moyo wanga.

Koma choseketsa ndichakuti, kusowa chidziwitso ndicho chinthu chodetsa nkhawa kwambiri pakusunga ndalama. Ndizowopsa chifukwa ndimamva ngati "ndiyenera" kudziwa izi - koma sindikudziwa. Kupeza chogwirira kumangothandiza kuchepetsa nkhawa zanga, sichoncho?

Inde ndi ayi. Kuyika bajeti yanga pamodzi kumakhala kowawa pazifukwa zambiri, osachepera pazomwezi ndiye kuti manambala amandipangitsa mutu - ndipo MS imapangitsa mutu wanga kutha. Ndiyenera kuzindikira ndikakhala wolimba kwambiri komanso wolunjika kwambiri komanso womveka bwino, ndikukonzekera bajeti yanga nthawi imeneyo.

Ndimamva bwino komanso mwamphamvu m'mawa ndi pambuyo chakudya. Awo ndi nthawi zomwe ndimatha kuvala kapu yanga yoganizira ndikuyang'ana manambala.

Chifukwa chake kumbukirani, pezani nthawi yomwe mudzakhala athanzi komanso osakonzekera bajeti.

6. Konzekerani zinthu musanaganize kuti muyenera kutero

Kufufuza kwathunthu kwachuma kumaphatikizapo inshuwaransi (olumala, thanzi, nyumba, ndi galimoto), kukonza malo (ngakhale mulibe "malo"), kutulutsa kwa HIPPA, mafomu okhala, malangizo apamwamba, trasti, ndi ma proxies azaumoyo. Zonse ndizofunikira ndikukonzekera zonse ndizotheka.

Kumbukirani, kukonzekera kale muyenera ndi mphatso yabwino kwambiri yomwe mungadzipatse nokha ndi okondedwa anu. Zingakhale zochititsa mantha, koma kupeza chithandizo chachuma komanso thanzi lanu kumalimbikitsanso ndipo kumatha kuchepetsa kupsinjika.

Ndizovuta kuyika mtengo pamenepo.

Kathy Reagan Young ndiye woyambitsa malo apakatikati, tsamba locheperako komanso podcast kuFUMSnow.com. Iye ndi mwamuna wake, T.J., ana aakazi, Maggie Mae ndi Reagan, ndi agalu Snickers ndi Rascal, amakhala kumwera kwa Virginia ndipo onse amati "FUMS" tsiku lililonse!