401 (k) zvirongwa, Chikamu 125 chekudya zvekudya (izvo hazvina chokuita nekudya kubasa!), Zvirongwa zvehushuwarisi zveboka, zvikwereti zvezororo zvinofanira kunzwisiswa kuitira kuti zvishandise zvakanakisisa, uye imomo mune dambudziko.
Izvi zvinoronga zvirongwa zvinogona kunge zvakaoma uye zvakavhiringidza, uye vashandi vedu havawanzovatsanangurira zvakajeka kuti vabvumire munhu wega wega kuita sarudzo dzakanakisisa pamamiriro avo ega.
Ngatitsvakei basa rekubatsira, kutanga nemashandisirwo emari ekushandisa mari.
Chii chinonzi Flexible Spending Account?
A Flexible Spending Account (FSA), iyo inonziwo hurongwa hwekushandura kana rekubhadhara rekodzero inobatsira inobhadharwa nevanoshandira iyo inobvumira kuti iwe ubhadhara mari yakakodzera yezvokurapa pamutambo usati wabhadhara (kunewo nyaya dzakafanana dzevana vanochengeterwa uye vanochengeta mari ).
Kana iwe unotarisira kuwana mari yekurapa iyo isingadzokeri nehutano hwako hwehutano inshuwarheni, iwe unofanirwa kunge uri kutora mukana weFSA yako yevashandi kana mumwe achipiwa.
Ko Flexible Spending Account inobatsira iwe sei?
An FSA inokuchengetedza mari kuburikidza nekuderedza mitero yaunowana. Mipiro yaunoita kune Flexible Spending Account inodzingwa kubva pamari yako PASI PASI Federal, State, kana Social Security Taxes inotarirwa uye haisati yambotaurwa ku IRS.
Mhedzisiro yekuguma ndeyokuti iwe kuderedza mari yako inotengesa uye uwedzere mari yako inoshandiswa. Iwe unogona kuchengetedza mazana kana zviuru zvemadhora pagore.
Ko Flexible Spending Accounts inoshanda sei?
Pakutanga kwegadziriro yegore (iyo inowanzotanga musi waJanuary 1), mushandirwi wako anokubvunza iwe mari yakawanda yaunoda kugovera kwegore (kune mitsara).
Iwe une mukana mumwe chete wegore kunyoresa kunze kwekuti iwe une "maitiro emhuri," akadai sewanano, kuberekwa, kurambana, kana kurasikirwa nehupfumi hwemumwe wako. Nhamba yaunotaridza gore inotorwa kubva mubhadharo yako muzvikamu zvakaenzana imwe nguva yekubhadhara uye inowanikwa mune imwe nhoroondo yakakosha nemushandi wako.
Sezvaunoita mari yezvechiremba isinganyatsogadziriswa neinishuwarenzi yako, iwe unopa kopi yeZvirevo zveBatsiro kana kuti inopa mupiki uye uchapupu hwekubhadhara kumurongwa wehutungamiri, uyo achazokubvumira chekubhadhara.
Ndezvipi zvinodiwa zvinokodzera kubhadharwa?
Imari ipi zvayo inonzi inodhakwa mari yekudhakwa neInternal Revenue Service uye haina kubhadharwa kuburikidza neinishuwarenzi yako inogona kubhadharwa kuburikidza neFlexible Spending Account. Mienzaniso inosanganisira:
- Mari inobhadharwa kuvanachiremba, vanachiremba vemazino, vanachiremba, vanachiremba, masayendisiti, ma psychologists, uye maScience Science vashandi Vanotsigira lenzi uye magirazi emaziso
- Mitero yezvipatara, maitiro ekuchengetedza kwenguva yakareba, njodzi uye hutano, uye zvikwereti zvehutano zvekuchengetedza kwenguva yakareba, hurairi, mabhizimisi, mari yemishonga nemishonga, uye insulini.
- Acupuncture mishonga
- Inpatient treatment at center for alcohol or drug addiction
- Kusvuta-kupedza mapurogiramu nemishonga yakagadzirirwa kubatsira nicotine kubvisa
- Mazino enhema, kunzwa zvinobatsira, mitsipa, maguruvhiri, uye imbwa dzinotungamirira kune mapofu kana matsi
- Mari inodarika zvinonzwisisika uye tsika dzinowirirwa inobvumirwa neinishuwarenzi yako
- Mutengo wevasectomies, hysterectomies uye kuberekwa
- Chisarudzo chisina kukodzera kuvhenekera
- Co-kubhadhara pamari yakavharwa
- Deductibles
- Braces
- Chirongwa chemishonga kana mishonga inowirirana
Iwe unosarudza sei kuti zvakadini kugovera yako Flexible Spending Account?
Zvakakosha kupa pfungwa yekuverenga mari yakawanda yekubatsira kwegore nokuti kana ukaisa mari yakawanda kupfuura iwe unoda, nemutemo, iwe unorasikirwa nayo. Iwe une mwedzi mitatu mushure mekuguma kwegore rekarenda kuti upe mvumo yekubhadhara mari inobhadhara yakaitwa mukati megore rekare rekarenda.
Chero mari yakasara munhoroondo yako mushure memwedzi mitatu icharasikirwa.
Kuti uone kuti mari yakawanda inobatsira sei, ita urongwa hwezvinhu zvinotarisirwa kunze kwemahomwe ezvokurapa iwe neavo vanotarisira gore rinotevera. Semuenzaniso, kana iwe nguva dzose uchidarika yako deductible, sanganisira mari yakabhadhara mukuverenga kwako. Iva akachengetedza kuitira kuti urege kuisa pangozi yekurasikirwa chero mari.
Iko software yakagadzirirwa kubatsira kubata yako Flexible Spending Accounts?
Ehe. Kuti uwane mamwe mashoko, ona nyaya yacho Shandisa FSA yako neChese Software.