In piggy banks, family boxes or even batches, dozens of people stick to it to save. However, these actions could lead to problems with the Tax Administration Service (SAT).
And is that due to the contributions that are given in a certain period of time, the SAT could identify this mechanism as suspicious behavior, since the origin of the resources is not detailed.
Even if you have extra income to save or invest, the National Commission for the Protection and Defense of Users of Financial Services (Condusef), also warns about the risks of applying it informally.
According to SAT and the National Banking and Securities Commission (CNBV), banking institutions must report to the tax authority the detection of deposits greater than 15,000 pesos, that are received by users.
The problem arises when the members of the batch make the deposits to your account on a certain date, which causes a discrepancy between your actual income and the accumulation of money in the bank account.
How can these savings or resources be verified?
-One of the recommendations is that when organizing the popular batches, the ideal will be to electronic transactions and ask those involved to keep the deposit slip.
It is an idea to be able check income and not adjusting or having problems filing the annual return.
-Another way is use checks, as it is a process that can also be easily checked.
Meanwhile, to take care of your pocket, Condusef recommends users to invest their capital in regulated financial institutions and avoid some other alternatives such as the so-called pyramids or flower of abundance.
What are the tips to better invest your money?
-Before entrusting your money to any institution, verify that it is duly authorized and regulated by the authorities and that you have deposit insurance, either a bank, savings bank or a Popular Financial Society (Sofipo).
-Compare and choose the financial institution that offers you the product with the highest interest rate and charges less commissions.
-Confirm that the institution you choose has a branch near your home or work to avoid complications.
-Remember that it is not safe to save in batches, under the mattress or in the so-called pyramids.
Meanwhile, it is important to detail that the tax deduction is an important issue that users should consider when making the annual return, since the taxpayer has the right to reduce their expenses and those of the couple can also be applied.
Deductible expenses can be applied by the spouse, common-law partner or common-law partner, since an invoice may be requested in the name of the wife or partner, even if the payments have been made by other family members.
In addition to the spouse, expenses of the mother, father, grandmothers, grandparents, daughters, sons, granddaughters and grandchildren may also be validated.
How to get it? To deduct the expenses, the SAT recommended paying by electronic means and requesting an invoice in the name of the couple.
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