Fahmidda kharashyada daaweynta ee la oggol yahay
Maxaa sharci ahaan ah "maaha" mana aha "canshuurta laga goosan karo badanaa waxay noqon kartaa jahwareer, gaar ahaan marka laga hadlayo kharashyada caafimaadka ee alaabta laga iibsan karo miiska ama warqad dhakhtar la'aan ah. Waxaa muhiim ah in la ogaado xeerarka IRS ee ku saabsan kharashyada caafimaadka - iyo in la hubiyo sannad kasta isbedelka ama cusbooneysiinta shuruucda.
Waa maxay kharashyada caafimaadka?
Sida ku cad Shaxda 502 ee IRS, kharashyada caafimaadka waa kharashka baarista, daaweynta, yaraynta, daaweynta , ama ka-hortagga cudurrada, iyo kharashyada daaweynta saameyneysa qayb kasta ama shaqada jirka.
Kharashyadaas waxaa ka mid ah lacag bixinta adeega caafimaadka sharciga oo ay bixiyaan dhakhaatiir, dhakhtar qalliin, dhakhtar ilko, iyo dhakhaatiir kale. Waxay ka mid yihiin kharashyada qalabka, sahayda, iyo aaladaha cilad-sheegista looga baahan yahay ujeedooyinkaas. Kharashyada daryeelka caafimaadka waa inay noqdaan kuwo koowaad si ay u yareeyaan ama uga hortagaan cilad maskaxeed ama maskaxeed. Ma ku jiraan kharashyada oo kaliya faa'iido u leh caafimaadka guud, sida fitamiinada ama fasax. Kharashyada caafimaadka waxaa ku jira kharashyada caymiska ee bixiya kharashka daryeelka caafimaadka, iyo caddadka aad bixisid gaadiidka si aad u hesho daryeel caafimaad. Kharashyada caafimaadka waxaa sidoo kale ku jira lacago lagu bixiyo adeegyada daryeelka muddada-dheer iyo xadidaad xadidan oo lagu bixiyo qandaraaska caymiska daryeelka muddada-dheer.
Daawooyinka Daawada Qaadashada?
Waxaad ku dari kartaa qarashka caafimaadka ee aad bixiso daawooyinka iyo daawooyinka loo qoray . Daroogada loo qoro waa mid u baahan inuu takhtar u qoro si uu u isticmaalo shakhsi ahaan.
Waxaad sidoo kale ku dari kartaa qaddar aad ku bixiso insulin. Marka laga reebo insulinta, laguma dari karo kharashyada daawada ee aad bixiso daawo aan la qorin.
Qalabka iyo alaabooyinka aan loo baahneyn
Xaddidnadu ma khuseeyaan waxyaabaha kale ee aan la isku qorin sida: faashado, dhejis , heerkulbeeg, ama xirmooyinka sonkorta dhiigga.
Haddii aan u qalmin sida loola xiriiro daryeelka caafimaadka, shayadahan oo kale waa kuwan kuwo laga goosan karo.
Maandooriyeyaasha ka socda Dalalka kale
Guud ahaan, laguma dari karo kharashka daaweynta kharashka daawada laguu soo qoray ee laguu keenay (ama amar la dalbado) dal kale. Waxaad kaliya ku dari kartaa kharashka daroogada ee sharci ahaan lagu soo dhoofiyo. Tusaale ahaan, waxaad ku dari kartaa kharashka daroogada loo soo qoray ee ku dhawaaqay Maamulka Cuntada iyo Maandooriyeyaasha waxaa si sharci ah loo soo dhoofin karaa shakhsiyaadka. Waxaad ku dari kartaa kharashka daawada laguu qoro ee aad iibsato oo aad ku isticmaasho waddan kale haddii daroogadu sharci ahaan ka tahay waddanka kale iyo Mareykanka.
Cabbiraadyada Nafaqada
Kuma bixin kartid kharashka daaweynta qiimaha nafaqada, fiitamiinada, daawooyinka dhirta, ama dawooyinka dabiiciga ah haddii aysan ku talinayn dhakhtar caafimaad sida daaweynta xaalad caafimaad oo gaar ah oo lagu sheegay dhakhtarka. Haddii kale, alaabtaas waxaa loo qaadaa si ay u ilaaliyaan caafimaadkaaga caadiga ah oo aanad u ahayn daryeel caafimaad.
Alaabooyinka Shakhsi ahaaneed
Kuma bixin kartid kharashka daaweynta kharashka shay caadi ahaan loo isticmaalo ujeeddooyinka shakhsiga, nolosha, ama ujeedada qoyska haddii aan loo isticmaalin horudhac si looga hortago ama loo yareeyo cillad jireed ama maskaxeed.
Tusaale ahaan, kharashka burushka cadayga iyo daawada cadayga waa kharashka shakhsi ahaaneed ee aan la qarin karin. Si loo helo qof leh cillad jireed, waxaa laga yaabaa inaad iibsato shay caadi ahaan loo isticmaalo shakhsi, nolol, ama shay qoys oo ku qoran foom gaar ah. Waxaad ku dari kartaa kharashka kharashka sheyga ee foomka gaarka ah kharashka sheyga ee foomka caadiga ah sida kharashka caafimaadka.
Barnaamijyada joojinta sigaarka
Waxaad ku dari kartaa kharashka caafimaadka ee aad bixiso barnaamijka si aad u joojiso sigaar cabista. Si kastaba ha ahaatee, kuma jiri kartid kharashka daawada ee aad bixiso daawooyinka aan u baahnayn daawo, sida ciridka nikotiinka ama dhirta, kuwaas oo loogu talagalay in lagu caawiyo joojinta sigaarka
Waxa laga soo xigtay daabacaadda IRS 502. Fiiri daabacaadda liis dhamaystiran ee kharashyada caafimaadka kaas oo laga yaabo in aan laga jari karin.
Maqaalkani ma aha mid bedel u ah adeegyada xisaabinta xirfadlayaasha. Fadlan la tasho xirfadle canshuureed u leh jawaabaha su'aalahaaga gaarka ah.
Ilaha:
Qorshaha IRS 502. https://www.irs.gov/pub/irs-pdf/p502.pdf