Nzira yekuenzanisa uye kuwedzera yako Flexible Kudhonza Account

Nhoroondo yekushandisa yakashandiswa inobatsira inogona kupiwa nemushandi wako anokubvumira kuisa mari mukati megore rekarenda kubhadhara hutano kana mari yezvechiremba, pamwe nekuwedzera mari yekubhadhara yakadai semari yekuchengetedza zuva. Chinokosha ndechokuziva nzira yakanakisisa inofungidzira kuti mari yakadii yekuisa parutivi, ipapo kuwedzera kushandiswa kwayo kuitira kuti iwe usati warasikirwa neipi yemari iyo.

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Kukurukurirana - Kuwedzera Kuponesa Kwako kubva kune Flexible Spending Account (FSA)

Gore roga rega, sezvo iwe uchiona kuti chirongwa chehutano hwehutano chii chakakunakira iwe panguva yako yekunyora yakasununguka, wako waunoshandira anogona kukubvumirawo kuisa shanduro yekushandisa mari yakajeka. Kuti uite izvozvo kubudirire, iwe unoda kunzwisisa kuti ungawedzera sei kushandiswa kwemashandisirwo ekushandisa mari (FSA).

Kuwedzera kukuchengetedza kwako nekushandisa FSA hakufaniri kuoma. Heano mamwe matanho ekufamba newe kuburikidza nekugadzirisa kuti chii chichave chakanyatsogadziriswa-kunze kwezvikwereti zvako:

1. Ziva IRS Mitemo pamusoro peFSAs
   
2. Sarudza Mari Yakawanda Yaunofanira Kuvhara Inotevera Mari Yegore (FSA)
   
3. Ita kuti Math inotarisa FSA Yako-Yakasara
   
4. Yokupedzisira - Kudzivirira Kura Kwemari Yenyu Gore Rinotevera

(Zero: Usanetsa Flexible Spending Account (FSA) neAalth Savings Account (HSA) Mitemo uye kushandiswa zvakasiyana. Dzidza zvakawanda pamusoro pekusiyana kuno .)

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Ziva IRS Mitemo pamusoro peFSAs

Pakati pemimwe mitemo yeInternal Revenue Service (IRS), pane mazano makuru maviri ekuziva nezve FSA:

1. Iwe uchagadzirisa mari yakawanda yaunotarisira kupedza panguva yegore rezoramende paunenge uine chikwereti chekuita-zve-muhomwe mari (ona zvinotevera.) Zvose izvi zvichaparadzaniswa nenhamba yezvikwereti zvaunowana mugore, uye iyo mari ichave inoderedzwa, zvino isa muAFSA yako. Vamwe vashandi vanopa zvipo kune vashandi veFSAs, pane izvo zviyero mari inotorwa kubva mubhadharo yako ichaderedzwa nemari yaunoshandira.

   Sezvo mari yakabviswa kubva mubhadharo yako inouya usati wabhadhara mitero, iwe uchachengetedza mari yemutero wako waizokubhadhara iwe. Mari yaunenge uchiponesa inobva pane yako bhakoni yemitero uye imwe yako inodzingwa. Muenzaniso: kana uri mu 25% yebhasikiti yemari uye iwe ukaisa $ 1000 muFSA yako, unogona kuchengetedza $ 250 mumitero.

2. Chero bedzi iwe uchangopedza kushandisa mari iyo pane zvakakodzera mari , iwe hauzombobhadhara mitero pairi. Iwe hauzove nemukana wekuripedza pane imwe nzira ipi zvayo yemari, zvisinei ....

3. Kana iwe usingashandisi mari yose yakaiswa kuFSA yako isati yapera gore raakaiswa, ipapo iwe ucharasikirwa nemari iyo. Iwe haugone kutakura gore negore.

   Nokudaro, kuziva izvi kunogona kuva muponesi mukuru wemari chero bedzi iwe uchishandisa mari yose mubhuku racho, iwe unoda kuenzanisa zvakanyanyisa mari yaunofanira kuisa muFSA yako. Iwe unoda kuisa mari yakawanda sezvinobvira kuti uwane hurukuro yepamusoro, asi iwe unoda kuve nechokwadi kuti hauna kuisa imwe penny yakawanda kuitira kuti iwe urege kurasikirwa nemari pamagumo egore.

Danho Rinotevera: Sarudza Mari Mari Yaunofanira Kuvhara Inotevera Mari Yegore

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Sarudza Mari Yakawanda Yaunoda Kuvhara Inotevera Mari Yegore

Kungofanana nezvamakafungidzira kuti mari yako yehutano yekutarisira kusarudza yako yakanakisisa sarudzo yehutano inshuzha munguva yekunyora kuzarurirwa, iwe unoda kuve nokufungidzira kwako zvakanakisisa paunenge uri kunze kwehomwe yezvokurapa mari (nezvimwe zvinokodzera mari) mugore rinotevera. Zvinosanganiswa mune urongwa huchava iyo yose yehutano nemari yehutano iyo insurer yako haina kuvhara, zvakadai seono, mazino, kunzwa mabheti anobatsira uye mamwe akawanda .

IRS inoronga urongwa hwehutano uye hutano hwekufanirwa mari dzinogona kuchinja gore negore. Ndapota cherechedzai kuti FSAs inobvumirawo kuisa mararamiro ezvimwe zvematongerwo emari.

Sezvo wakanakisisa sezvaungaita, nyora mhinduro yezvinhu izvo zvinodhura zvinogona kuva. Ita mamiriro ako ezvinhu iwe nemhuri yako iyo ichava yekufungidzira kuti iwe unoshanda pamwe. Itai kuti zviyero zvakadai sehuwandu hwekugadzwa kwechiremba mumwe nomumwe wemhuri angave akaenzana mugore rekarenda, akawedzerwa neko-kubhadhara mumwe nomumwe. Pane mumwe munhu ari mumhuri yako anopfeka magirazi here kana shamwari? Dhavhidha mumari yako yekunze yehomwe. Iwe unobhadhara kunze kwehomwe yekuvhara mazino? Ko zvakadini nekudzivirira kuberekwa? Itaiwo mari iyo mumutauro wenyu, zvakare.

Cherechedza: Pane kuchinja kune mitemo inotanga negore rekutakura ra2011 - kunyanya----zvinodhaka zvinodhaka hazvisati zvichingotaridzika mari yekushandisa kunze kwekuti iwe une mvumo kwavari. Saka, haufaniri kuaverenga kana iwe uchitarira kuti muchaponesa zvakadini muFSA yenyu. Heano mamwe mashoko pamusoro peFSAs uye kupfuura-the-counter zvinodhaka kubva ku IRS .

Nhanho Inotevera: Ita Math kuti Uone FSA Yako Yakasara-Asi

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Ita kuti Math inotarisa FSA Yako-Yakasara

Iye zvino zvaunofunga zvakanakisisa zvekuti mari yako yakazara yekukodzera mari ichave yegore, iwe unogona kuishandisa kuti uite mathemoni mumatanho maviri, imwe chete yakachengetedza uye imwe inofanira kunge yava pedyo neicho chaunoshandisa:

• Iyo nzira yakanyatsochengetedza ndeyekuti uve nechokwadi chekuisa pasi pfupi pane iwe unofunga kuti uchapedza kuitira kuti urege kurasikirwa nemari chero ipi pakupera kwegore. Kana iwe ukashandisa zvakawanda kupfuura zvawakaronga, zvinongoreva kuti iwe uchabhadhara mutero pane zvimwe zvinodhura nokuti hazvizove zvakabatanidzwa muFSA zvakasarudzwa. Kana iyi ndiyo nzira yaunoda kutora, ezvo wowedzera kufungidzira kwako ne 80% kana 90% kusvika paFSA kuisa pfumbamwe mari yauchazopa kumushandi wako.

• Imwe nzira ine ngozi ndeyokuti udzoke iyo yose yekufungidzira kuwanda kwemari yako kumushandi wako, kunyange kana iwe usina chokwadi kana iwe uchishandisa zvose. Izvozvo zvinokubvumira iwe hukuru hwemutero unobatsira.

  Paunoswedera pedyo nekuguma kwegore, uye kana usina kushandisa mari yose munhoroondo yako, kune dzimwe nzira dzokukubatsira kuti uzvishandise kuitira kuti irege kurasa.

  Kunyange kana iwe usingashandisi zvose, kubvisa pamutero weko wausina kupedza kuchaita kuti uite mutsauko. Mumuenzaniso wepamusoro, iwe wakachengetedza $ 250 pamitero yako. Chero bedzi paunopedza zvakawanda kupfuura iwe kufungidzira kuderedza iyo $ 250, iwe uchave wakabatsirwa neFSA yako.

Mune zvimwe zviitiko, kana wauya nenhamba yako, wako waunoshandira achaparadzanisa chikamu che FSA chaunopa nehuwandu hwekubhadhara iwe unowanikwa mugore rimwechete. Icho ndicho chikwereti chichaderedzwa kubva pamubhadharo wega-uye iyo ndiyo mari yausingazofaniri kubhadhara mitero, zvakare.

Nhanho Yokupedzisira: Kudzivirira Kura Kwemari Yenyu Gore Rinotevera

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Kuchengetedza Kurasikirwa Kwebasa Rako Rakaisa Asiri Mari Inotevera Gore Rinotevera

Pane imwe danho rekupedzisira, rinokosha pakuwedzera kushandiswa kwemari yako yekushandisa mari yakawanda:

Zvigadzirire iwe kadhi rekarenda kuti uongorore kushandiswa kwako kweFSA yako pakati pegore raOctober gore rakatevera. Kudzokorora kwako kuchakuudza matanho aunofanira kutora kana uri kurega nemari, kana kana iwe uchinetseka kurasikirwa nemari yaunosarudza.

Kana iwe usiri kuzova nemari yakakwana yekubhadhara pamisangano yako yakasara, mishonga yezvinodhaka nevamwe, ipapo sarudzai mari yaunogona kutamirazve mugore rinotevera. Iva nechokwadi chekuzvibatanidza mukufungidzira kwako kwegore rakatevera sezvaunosarudza kuchinja kwaunoda kuita kuFSA yako.

Kana ukakuwana iwe unogona kunge uine mari yakasara, zvino ita kuti vaya vakagadzwa iwe vaverengedze mukufungidzira kwako, asi hauna kutevera. Semuenzaniso, iwe unogona kunge wakawedzera mukuratidzwa masangano kumhuri dzemhuri dzisati dzamboenda kuchiremba weziso. Kana kuti zvichida chiremba wako akakurudzira kuongorora kuongorora iwe unogona kukodzera mukati mekuguma kwegore. Pano iwe uchawana dzimwe nzira dzekushandisa chero zvakasarudzwa zveFSA zvakasarudzwa-kunze kwemari kana iwe usingati uchitora .

Uye hongu, iwe unogona kushandisa mari pamusoro pemari yehutano yakabhadhara yausina kuisa pane yakarongwa yako yekutanga, zvakare uye kuitumira iyo yekubhadhara. Somuenzaniso, unogona kupinda mumatambudziko ezvehutano iwe wausina kutarisira iwe pawakaita kuti ufungisise. I IRS haina hanya kuti ndeyei mari iyo, chero bedzi iyo ichinyorwa pane urongwa hwekukodzera mari .

Pakupedzisira, bvisa chikamu ichi chegore rinotevera! Iwe uchange uri kuita masvomho zvachose zvakare, uye icho chinhu chakanaka chokukubatsira iwe kuenzanisa zvakarurama.