Izeluleko Ezi-6 Zokuphatha Imali Yakho Lapho Unesifo Esingamahlalakhona

-Delile

• 1. Bhekana nezintela manje
• Amathiphu entela
  
• 2. Thola usizo kubangani kanye nobuhle
• 3. Hit "irekhodi"
• 4. Yazi onakho nokuthi ungakufinyelela kanjani
• 5. Igama elithi 'B'
• 6. Hlela izinto ngaphambi kokucabanga ukuthi udinga

Nakhu ukuthi ungahamba kanjani ngaphambi kwezindleko zakho, umshuwalense, nokuhlelwa kwefa.

Angizenzi izibalo. Ngalokho, ngiqonde ukuthi ngiyakugwema ngazo zonke izindlela.

Ngingalandelela ukwenqena kwami ​​ukubuyela esikoleni samabanga aphansi lapho nganginothisha wezibalo okhethekile ikakhulukazi ogama lakhe lokuhweba elaligingqa amehlo akhe noma nini lapho ngibuza umbuzo. Ngakho-ke ekugcineni, ngayeka ukubuza imibuzo futhi ngangenelwa yizinambuzane zokuphila kwami ​​zonke izinombolo.

Ngenxa yalokhu, noma yiluphi uhlobo lwezimali zasendlini lubalwa phakathi kwezinto engizithandayo engingazenza. Nesikhathi sentela? Lumuthi heqe uvalo. Njalo ngo-Ephreli, ngiyaqiniseka uma ngenza iphutha elilodwa elilula, ngiya ejele le-IRS. Izinga lami lengcindezi lidlula ophahleni futhi ngigcwala ukubuyela emuva kuthisha wami okhathazekile, ongaphelelwa yisineke wezibalo.

Ngiyazi, ngiyazi… thina konke ukucindezeleka ngesikhathi sentela.

Umehluko ukuthi, ngihlala ne-multiple sclerosis (MS) - futhi lokho kuphonsa yonke i-equation.

Okokuqala, ukucindezeleka kuyimbangela enkulu kimi. Nginesifo esenza kube nzima cabanga, ikakhulukazi uma ngicindezelekile - futhi angikude ngedwa. Mayelana nokuhlala nokugula okungalapheki noma ukukhubazeka.

Kulabo abane-MS, "inkungu yenkungu" (aka brain fog) ingumphumela ohlangothini ovamile ongenza ukulinganisa isitatimende sasebhange, ukufaka intela intela, noma ukuhlela ikusasa lami lezezimali kube yinselele.

Noma kunjalo, ezezimali ziyingxenye edingekayo yokuphila. Ngakho-ke yize ngingayithandi le nqubo, ngiyazi ukuthi kufanele ngidlulele ngale kokuzonda kwami ​​bese ngehlela ebhizinisini. Uthisha wami omdala wezibalo angaziqhenya.

Nakhu ukuthi ngenza kanjani umsebenzi…

1. Bhekana nezintela manje

Eminyakeni edlule, nginqume ukusebenzisa i-Certified Public Accountant (CPA) ngesikhathi sentela. Mina nomyeni wami silandelela imininingwane yethu unyaka wonke, siyifaka kumaspredishithi ngentela yomuntu siqu neyebhizinisi, bese siletha konke ku-accountant. Uyidlulisela kumafomu entela, asebenze umlingo wakhe, bese eyithumela ku-IRS.

Uyinetha lami lokuphepha. Uhlola yonke into, abuze imibuzo embalwa, bese engithumelela incwajana enhle nenemibhalo yethu. Ngisayina futhi kwenziwe. Uma ngabe i-IRS kufanele ibe nemibuzo - abayenza ngonyaka odlule - isele nje izinkinobho ezimbalwa ukuyiphendula.

Ngokwemvelo, akasebenzi mahhala. Kepha kimi, imali isetshenziswe kahle. Azikho izinkathazo ezilinganayo ngaphandle kwengcindezi - okusho ukuthi awekho ama-flare-ups. Ngincamela ukukhokha izindleko ze-CPA manje bese ngikhokha ngempilo yami ngokuhamba kwesikhathi.

Amathiphu entela

• Ungashiyi izintela zakho kuze kube umzuzu wokugcina.
• Uma ugcina umkhondo wamadokhumenti unyaka wonke, kuzoba lula lapho kufika isikhathi sokufaka amafayela.
• Uma kungaphezu kwakho, sebenzisa izinsizakalo zentela noma i-CPA ukusiza ukubeka ingqondo yakho ngokukhululeka.

2. Thola usizo kubangani kanye nobuhle

Ukuhleleka okuhlelekile nokuhlela kubalulekile, kepha njengoba i-MS ingalindelekile, ngiqoqe iqembu labantu engibathembayo ukusiza ukugcina izinto zisendleleni. Ngibabiza ngokuthi “ngabami”ibhodi lezezimali labeluleki, ”Noma i-FBOA.

Kimi, lokhu kufaka ummeli, umeluleki wezezimali, nabangane abaningana abalunge kakhulu ngemali. Ngakuthola ukungakhululeki kwami ​​ngokukhuluma ngemali engiyenzayo nomyeni wami ukuze sinikeze i-FBOA yami isithombe esicacile sesimo sethu futhi ngithole izeluleko ezinhle kakhulu kubo.

Noma ungenayo ithani labathakathi bemali empilweni yakho, hlanganisa iqembu elizokuxhasa futhi likudambise ekucindezelekeni kwemali.

3. Hit "irekhodi"

Ngisebenzisa i-Zoom (ekhululekile) ukwenza umhlangano wevidiyo. Noma iyiphi inombolo yabantu ingajoyina ikholi kudeskithophu yakho, i-laptop, noma i-smartphone futhi - le yingxenye ebaluleke kakhulu - ongayenza qopha ingxoxo.

Akunandaba ukuthi bengilokhu ngikukhumbula kangakanani ekubhaleni kwami ​​inothi, nakanjani ngiphuthelwa okuthile. Lokhu kungivumela ukuba ngibuyele emuva futhi ngivakashele kabusha ingxoxo yethu.

4. Yazi onakho nokuthi ungakufinyelela kanjani

Uyazi ukuthi isifo sakho sibukeka kanjani manje, kodwa sizobukeka kanjani eminyakeni emihlanu? Noma 10? Qonda amathuba futhi ube nohlelo, noma ngabe kunesimo esibi kakhulu.

Buza nodokotela wakho ngezinsizakusebenza nezinhlelo zombuso noma zikahulumeni ongazifanelekela. Uma uzofaka isicelo sokukhubazeka, uzodinga nendlu yakho yezezimali ukuze.

5. Igama elithi 'B'

Yebo, isabelomali. Ngiwuzonda umthamo weqiniso engaziyo ukuthi uzowuletha empilweni yami.

Kepha into ehlekisayo ukuthi, ukungabi nalwazi yikhona okucindezela kakhulu ngokugcinwa kwezimali. Kuyesabisa ngoba nginomuzwa wokuthi "kufanele" ngiyazi le nto - kodwa angazi. Ukuthola isibambo kuyo kuzosiza kuphela ekunciphiseni ukukhathazeka kwami, akunjalo?

Yebo no cha. Ukubeka isabelomali sami ndawonye kubuhlungu ngezizathu eziningi, hhayi okuncane kunakho konke ukuthi izinombolo zenza ikhanda lami ligijime - kanti i-MS yenza ikhanda lami ligudluke. Kufanele ngikhombe lapho nginamandla kakhulu futhi ngigxile kakhulu futhi ngicacile, futhi ngibeke isabelomali sami ngaleso sikhathi.

Ngizizwa ngicacile futhi ngiqine kakhulu ekuseni nangemva kokudla kwakusihlwa. Lezo yizikhathi engingafaka kuzo ikepisi lami lokucabanga futhi ngibheke izinombolo.

Ngakho-ke khumbula, thola isikhathi lapho unempilo enhle kakhulu futhi wenze isabelomali.

6. Hlela izinto ngaphambi kokucabanga ukuthi udinga

Ukuhlolwa okuphelele kwezezimali kufaka phakathi umshuwalense (ukukhubazeka, ezempilo, ikhaya nemoto), ukuhlelwa kwefa (noma ngabe awunayo "ifa"), ukukhishwa kwe-HIPPA, amafa okuphila, iziqondiso ezithuthukisiwe, ama-trust, nama-proxies ezempilo. Konke kubalulekile futhi ukuhlelela konke kuyenzeka.

Khumbula, ukuhlela ngaphambi udinga isipho esihle kunazo zonke ongasinikeza wena nabathandekayo bakho. Kungasabisa, kepha ukuthola isibambo kwimpilo yakho yezezimali nenhlalakahle yakho nakho kuyakunika amandla futhi empeleni kunganciphisa ukucindezeleka.

Kunzima ukubeka intengo kulokho.

UKathy Reagan Young ungumsunguli we-off-center, iwebhusayithi engekho umbala kanye ne-podcast kuFUMSnow.com. Yena nomyeni wakhe, uT.J., amadodakazi, uMaggie Mae noReagan, nezinja Snickers noRascal, bahlala eningizimu yeVirginia futhi bonke bathi "FUMS" nsuku zonke!