Nthaŵi ya msonkho ndi imodzi ya zochitika zapachaka zimene zingakuvuteni, makamaka ngati simukudziŵa kumene mungayambire. Komabe, ngati mutakonza bwino, kukonza misonkho yanu ingakhale njira yolondola. Mtsogoleri ameneyu amaswa njira iliyonse yofunika, kuyambira pa kusonkhanitsa zikalata zoperekera kubwerera kwanu, ndi ngakhale zimene muyenera kuchita mutamaliza kujambula. Kaya muli wopereka msonkho woyamba kapena wodziwa bwino, kuyang'ana ku misonkho kudzakuthandizani kuyendetsa zinthu ndi chidaliro ndi kupeŵa mbuna.

Kuzindikira Mfundo Zofunika za Msonkho

Kulemba bwinobwino misonkho kunayamba ndi kudziwa zimene zili zovomerezeka, zimene zingachotsedwe, ndiponso mmene ntchito ya ngongole imagwirira ntchito.

Mawu Ofunika Kwambiri kwa Wopereka Msonkho Aliyense Ayenera Kuwadziwa

  • Zopezedwa zokhoza: [[FT:1] Iyi ndiyo ndalama yanu yonse kuchokera ku malo onse osasintha zinthu, zoikizira, ndi zosaloŵetsedwamo. Kwa anthu ambiri, zimenezi zimaphatikizapo malipiro, malipiro, chiwongola dzanja, phindu, ndi ndalama za malonda. Kumvetsetsa chimene chili monga malipiro oyenera ndi sitepe loyamba la kupereka lipoti lolondola.
  • Malamulo owonjezera: Makampani amachepetsa ndalama zimene mumalandira zimene mumafunikira msonkho. Mungathe kusankha pakati pa ndalama zoikizidwa zoikizidwa (ndalama yoikizidwa yodalira pa malo anu oikizira) kapena kutumiza ndalama zochepetsera (zogulira ndalama za ngongole za nyumba, zopereka zothandizira opatsira, ndi mtengo wa mankhwala). Ndalama zoyenerera za 2025 ndizo $5,000 kwa osunga mafaelo aukwati limodzi. Kusankha njira yoyenerera kungachepetsetsatsa msonkho wanu.
  • Throughs: Mosiyana ndi ndalama zochepetsera ndalama zanu zolipira msonkho, ngongole za msonkho zimachepetsa mwachindunji ndalama za msonkho wanu, dola ya ndalama . Zina zimatayidwa, kutanthauza kuti mungabweze ndalama ngati ngongoleyo iposa msonkho wanu. Zitsanzo zambiri zimaphatikizapo ndalama zoyendetsera msonkho (ETC), Malo a Ana, ndi American Leasur for for for for for for for for for for.

Kudziŵa bwino mfundo zimenezi kudzapangitsa mbali yonse ya kutsalira kukhala yosawopsa. Ngati simukayikira za liwu, IRS imapanga matanthauzo omveka pa webusaiti yake [[FLT: 0].

Njira Imodzi Yotsogolera Kukupititsirani Misonkho

Popeza tsopano mukudziwa mfundo zofunika, ndi bwino kukonzanso manja anu n’kumachita zinthu zolembapo zinthuzo kuti muchepetse zolakwazo.

Sitepe 1: Phatikizani Zolembedwa Zanu

M’malo mosunga m’maganizo mwanu zikalata zonse zotsatirazi, muzisonkhanitsa kaye zikalata zonse zotsatizanazi musanayambe:

  • Mafomu olandira: W Mafomu a W kuchokera kwa bwana aliyense, 1099-NEC kapena 1099-MISC kaamba ka ndalama zaulere kapena ntchito ya pangano, 1099-INT kupata chiwongola dzanja, 1099-div chifukwa cha phindu, ndi ndemanga zilizonse zosonyeza ndalama za malonda kapena ndalama zobwereka.
  • Zolipirira zopinga: Malisiti kaamba ka ngongole za mankhwala, chiwongola dzanja cha nyumba (Form 1098), zopereka zopereka zothandizira kuthandizira, malipiro a katundu, ndi malisiti a ndalama za bizinesi ngati muli ndi ntchito zaumwini.
  • Zolemba za kugulitsa: Ndemanga zochokera ku maakaunti okwiyitsa osonyeza kupindula ndi ndalama kapena kutayikidwa, limodzinso ndi zolembedwa za malonda a crypto ngati zikhoza kuchitidwa.
  • Zizindikiritso zaumwini: manambala a Chisungiko cha Anthu kwa inu nokha, mnzanu wa muukwati, ndi anthu ena onse odalira panu. Ndiponso, mukhale ndi kubwezeredwa kwanu msonkho chaka chisanafike, popeza kuti kaŵirikaŵiri amakhala ndi chidziŵitso chonga kutayikiridwa kwa imfa.
  • Zolembera za malipiro: Zolembera za malipiro a msonkho alionse oyerekezeredwa amene munapanga mkati mwa chaka kapena zobweza zilizonse zoikidwa kuchokera ku chaka chapita.

Kuika mapepala ameneŵa m’chikalata chimodzi (chakuthupi kapena cha manambala) kudzakuthandizani kufunafuna kwa maola angapo pambuyo pake.

Mfundo Yachiwiri: Muzidziwa Bwino Ubwenzi Wanu ndi Anthu Odalirika

Malo anu oikizira zinthu amasintha ndalama zimene mwalemba, mabulaketi a msonkho, ndi ndalama zimene mungathe kulipira.

  • [[ML:0] modzi okha – kwa anthu osakwatira amene sayeneretsedwa kaamba ka malo ena.
  • Kugwirizana kwa Friling – kwa okwatirana amene amaphatikiza ndalama zawo ndi zochepetsedwa.
  • Kupitira Molekana [[FL:1] – nthaŵi zina kupindulitsa ngati mmodzi wa muukwati ali ndi ndalama zamankhwala zazikulu kapena ngongole za wophunzira.
  • Kufikira kwa Nyumba [1] – kwa anthu osakwatira amene amalipira zoposa theka la mtengo wa nyumba kwa munthu woyeneretsedwa (kaŵirikaŵiri mwana kapena kholo lodalira pa iye).
  • Kutsimikizira Kupambana kwa Mkazi Wapamtima [1] kwa akazi amasiye kapena amuna amasiye amene ali ndi odalirana kwa zaka ziŵiri pambuyo pa imfa ya mnzanu.

Mwachitsanzo, ngati simukudziwa kuti ndalama zoyendetsera ntchitoyi ndi zotani, mukhoza kusankha bwino zinthu monga Mutu wa Banja.

Mfundo 3: Sankhani Njira Yosangalatsa

Muli ndi njira zitatu zikuluzikulu zoperekera misonkho:

  • [[FLT: 0] Kudzikweza ndi pulogalamu: Iyi ndi njira yofala kwambiri. Programu ngati TurboTax, H&R Block, ndi TchallSlayer kukutsogolerani ku funso lililonse ndi kuyang'anira masamu. Kubweza zopendutsa. Makampani ambiri amapereka makope aulere. IRS amathandiziranso ndi makampani aumwini kupyolera pa pulogalamu yake ya Mafaelo [[FLT:]] Odzisankhira ASLAI ndi ndalama zobwezetsera (AGI) ya $79,000 kapena ocheperapo.
  • Kupempha katswiri wa msonkho: Ngati muli ndi bizinesi, muli ndi mitsinje ya malipiro ambiri, kapena mukukumana ndi masinthidwe aakulu a moyo (ukwati, chisudzulo, choloŵa), wosunga ndalama (CPA) kapena wolembetsa (EA) angakusungitseni ndalama mwa kupeza ndalama zimene mungaphonye ndi kutsimikizira kulondola. Kuyembekezera kulipira pakati pa $200 ndi $500 kaamba ka kubwezera kosavuta, kapena zambiri kaamba ka mikhalidwe yovuta.
  • Mautumiki aufulu a msonkho: Programu ya Kudzipereka ya Inhome Tax Arective (VITA) imapereka chithandizo chaulere cha msonkho kwa anthu opeza ndalama zochepa, opunduka, kapena Angelezi ochepera. Programu ya Msonkhano wa Okalamba (TCE) imapereka chithandizo chaulere kwa awo a zaka 60 ndi achikulire. Zonse ziŵiri ndi IRS-spoornstived ndi antchito ophunzitsidwa.

Mfundo Yachinayi: Gwiritsani Bwino Msonkho

Kaya mugwiritsa ntchito pulogalamu kapena mafomu a pepala, fomu ya anthu ambiri ndi "[FT:0] FORm 1040. Imeneyi ndi njira yobwezera msonkho wa munthu aliyense payekha. Malinga ndi mmene zinthu zilili, mungafunikirenso:

  • Sure A – kutchula ndalama zochepetsedwa (chifunitso chamwadzidzidzi, boma ndi msonkho wa kumaloko, mphatso zothandizira osoŵa).
  • Cuffele C [[FLT ] – kusimba za phindu kapena kutayikidwa ku bizinesi yokha kapena kampani yaulere.
  • Suctule D [[FLT :1] – kusimba za kupata ndi kutaikiridwa kwa ndalama zoikiziridwa.
  • FORm 8863 – kuti apeze ngongole za maphunziro monga American Opportunity Credit Irve
  • [[FULT:0] Form 2441[[FULT:1] – kupempha Mwana ndi Chipatala cha Kusamala.

Mutalowa pulogalamu ya pa kompyuta, tumizani zinthu ziwiri dziwani kuti zonse zimene zachokera ku W2 ndi 1099 zikufanana ndi zimene zinalembedwa kale.

Sitepe 5: pendani ndi Kupanga Mabungwe Aŵiri Ngati Munalakwitsa

Musanaike pa mndandanda umenewu, muzionetsetsa kuti mukuona kaye zimene mungachite kuti mulembe kapena kusindikiza kalatayo.

  • Umboni waumwini: Ndi maina, Nambala ya Social Security, ndi masiku a kubadwa oyenera kwa inu, mnzanu, ndi onse odalira pa inu?
  • Zotsatira: Kodi munaphatikiza W-2 ndi 1099 ? Kodi munapereka chiwongola dzanja cha banki ngakhale ngati simunalandire fomu?
  • Mapepala: Kodi munasankha pakati pa zochepetsedwa zoikizidwa zotsatizana ndi zinthu zoikizidwa? Chilichonse chimene chimakupatsani ndalama zochuluka chimakhala cholondola.
  • . . . . . "C." Software imachita zimenezi dala, koma ngati igubuduza ndi manja, pendaninso kuŵerengera kulikonse.
  • Sayina ndi deti: Saona kuti ndi zobwezera zosaikidwa. Ngati nonse aŵiri akugwirizana, onse aŵiri ayenera kusaina.
  • Tsatanetsani: Ngati muyembekezera kubwerera, tsimikizirani kutsatsa kwanu ndi manambala a maakaunti kaamba ka ndalama zenizeni – vidiyo imodzi yolakwika ikhoza kutumiza ndalama zanu ku akhawunti yolakwika.

Anthu ambiri okonza misonkho amapempha kuti abwezere kaye zinthu pa ndalama, koma ngakhale mnzanu amene amamukhulupirira akhoza kulakwitsa zinthu.

Sitepe 6: M’patseni Msonkho

Mukabwerera, muli ndi njira ziwiri:

  • Imeneyi ndi njira yofulumira kwambiri, yotetezeka kwambiri. IRS imabweranso nthaŵi yomweyo, ndipo ngati mwafuna kubwerera, imafika pamasiku 21 (kapena mwamsanga kwambiri ndi kuikamo). Software yapamwamba ya zopereka imakhala yogwirizana.
  • tumizani kubwerera kwanu: [[FLT :1] Ngati mulemba, sindikiza mafomu, sayina, ndi kuwatumiza ku keyala yoyenera IRS (yopezedwa m'malangizo). Tsimikizirani kugwiritsira ntchito envulopu yolondola ndi makalata okwanira. Kukonza pepa kungatenge milungu kapena miyezi, makamaka m’nyengo yachitukuko.

Sungani kope la kubwerera kwanu komaliza ndi zikalata zonse zochirikiza. Ngati inu inde, sungani nambala yotsimikizirayo monga umboni wa kukonza. Ngati muitumiza, itumizani ndi makalata ovomerezeka ndi lisiti yobwezera yopemphedwa.

Kulingalira Kotsatira

Mukabwerera, udindo wanu sutha ndipo mumafunika kuchita zinthu zingapo mukamaliza kuugwira.

Dziwani Zimene Mumachita

Mukhoza kuyang'ana za malo a boma lanu pogwiritsa ntchito IRS “Kodi Ndapeza Kuti Chiyambi Changa?” Chida pa webusaiti ya IRS kapena kudzera pa IRS2 Goleal app. Mufuna nambala yanu ya Social Security, malo osungira, ndi ndalama zenizeni zotayidwa. Chipangizochi chimasintha kamodzi pa maola 24 alionse.

Muzisunga Makope Kuti Akusungireni

IRS imakhala ndi zaka zitatu kuyambira pa deti la ndandanda yanu kufikira pa kubwerera kwanu (zaka zisanu ndi chimodzi ngati simusimba ndalama zimene mumalandira ndi oposa 25%). Chifukwa chake, sungani makope a zobwezedwa zanu za msonkho ndi zikalata zonse zochirikiza (W-2, 1099s, lisiti) kwa zaka zosachepera zitatu. Ngati munalemba mlandu wa kutaikiridwa kwa zotsala zopanda pake kapena ngongole zoipa, sungani mapepala a zaka zisanu ndi ziŵiri. Muwasunge pamalo otetezereka, kaya kabati yotsekera kapena pepala la kompyuta yobisika.

Kukonzekera Chaka Chotsatira

Nthaŵi ya msonkho ilinso nthaŵi yabwino ya kulingalira za mtsogolo. Ngati munalandira ndalama zambiri, mungafune kusintha mwa kupatsa abwana anu W-4 yatsopano. Chobwezera chaching'ono chimatanthauza kuti mukupatsa boma ndalama zochepa za ngongole yachiwongola dzanja. Koma ngati mwakongola ndalama zambiri, mungafunikire kuwonjezera kulipira kapena kulipira msonkho woyerekezeredwa ndi mtengo wa W-4 kuti mupeŵe kulandira chilango.

Kukhomera Msonkho Kofala Koyenera Kupeŵa Zolakwa

Ngakhale okhoma misonkho achidziŵitso angaphonye. Nazi zolakwa zofala ndi mmene angapeŵere:

  • Procrasation: Kufulumira pa mphindi yomalizira kumawonjezera mwaŵi wa zophophonya ndi zophonya zophonya. Yambani mwamsanga – moyenerera kumapeto kwa January kapena kuyambiriro kwa February – chotero muli ndi nthaŵi yosonkhanitsa zolembedwa ndi kufunsa mafunso.
  • Kutsutsa kusintha kwa malamulo a msonkho: malamulo a msonkho amasintha mobwerezabwereza. Kwa 2025, kusintha kumaphatikizapo majeremusi a msonkho otsika, madoketi otsika, ndi kusintha kwa mbali zina za ngongole. Zikalatani ku maplogiya a IRS kapena funsani katswiri kuti mukhalebe ndi moyo.
  • Kufuna ndalama zonse ndi ngongole: Okhoma msonkho ambiri chifukwa chakuti sadziŵa kuti ali oyenerera. Mwachitsanzo, Ndalama za Wosunga (zochepera kufika ku zopezedwa pa kupuma) zimanyalanyazidwa kaŵirikaŵiri. Mofananamo, Cersurence Transal Treasurer ya zaumoyo yogulidwa ku msika iyenera kubwezedwanso.
  • Kuyendetsa magawale a akhawunti ya kupuma pantchito: Kugaŵira mofulumira kuchokera ku 401(k) kapena IRA isanafike msinkhu 592 amapanga chilango 10% pokhapo ngati chosiyanacho chikugwira ntchito. Marola ayenera kumalizidwa m’masiku 60 kuti apeŵe msonkho.
  • Kutsutsa mathayo a boma a msonkho: Maboma ambiri ali ndi misonkho yawoyawo ya malipiro. Kulephera kukonza boma kubwerera kungatulukepo zilango ndi chiwongola dzanja. Ngati munasamuka mkati mwa chaka, mungafunikire kukonzanso mbali ya chaka m'magawo onse aŵiri.

Kusamalira Msonkho Wovuta Kwambiri

Pamene kuli kwakuti okhoma misonkho ambiri ali ndi ndalama za W -2 zolunjika, ena amayang’anizana ndi zochitika zovuta kwambiri.

Kudzidalira ndi Ntchito Yofuna Chuma

Ngati muyendetsa galimoto kaamba ka pulogalamu ya kukwera galimoto, jambulani, kapena kugulitsa zinthu pa Intaneti, muli ndi ntchito zaumwini kaamba ka ntchito ya msonkho. Izi zikutanthauza kuti muyenera kupereka lipoti la ndalama zonse (ngakhale simunalandire 1099-NEC) pa Seminale C. Mukhoza kuchotsa ndalama zowonongedwa za malonda monga ma kilomita, maofesi, zipangizo, ndi mapulogalamu a kompyuta.

Kupeza Malonda ndi Kuchuluka kwa Mazira

Malonda a makampani, mabotolo, ndalama, ndi ma shepi ndi zochitika zokhoma msonkho. Mudzalandira Malamulo 1099-B kuchokera kwa wogulitsa wanu ndipo muyenera kupereka lipoti la malonda pa Shedynal D. mapindu a kanthaŵi kochepa (kulinganiza kokhala ndi ndalama zochepera pa chaka chimodzi) amakhomedwa pa ndalama zofala; mapindu a nyengo yaitali ali ndi mlingo wotsika. Kusinthasintha kwa, IRS kumaitenga monga katundu – malonda alionse kapena kugulitsa kupangitsa chochitika cha msonkho. gwiritsira ntchito programu ya msonkho kuŵerengera mapindu anu molondola.

Moyo Usintha: Ukwati, Chisudzulo, Kapena Odalirana

Zochitika zazikulu za moyo zimakhudza misonkho yanu. Kukwatira kungasinthe malo anu oikidwiratu ndipo kungachepetse ndalama zanu za msonkho (“chikole cha ukwati”) kapena kuwonjezera (“chilango cha ukwati”). Chisudzulo chingayambukire malamulo a ausimoni (kwa zisudzulo pambuyo pa 2018, almony siingachotsedwe ndi wopereka msonkho kapena wolipidwa kwa wolandira). Ndiponso, kupempha mwana wodalira pa iye kapena kaya kholo, kholo, kapena wachibale wina mpaka kufunikira kukumana ndi mayeso apadera (papitako, chichirikizo, unansi). Chepetsani IRS Publiclation 501 kaamba ka tsatanetsatane.

Zimene Mungachite Ngati Mulephera Kukhoma Misonkho

Ngati muli ndi ngongole koma simutha kulipira mokwanira pa nthaŵi ya April, musanyalanyaze mkhalidwewo.

Musafulumire kuchita zinthu pofuna kuti ndalama zimene mwapereka zisamachuluke kwambiri, koma muzikumbukira kuti ndalama za IRS zikhoza kukonza zoti mubweze m’malo moonetsetsa kuti anthu atsatira malamulo.

Kuulutsa Mapepala: Kodi N’chiyani Chingakuthandizeni?

Ngakhale kuti njira zonse ziŵirizo zimavomerezedwa, kujambula pa Intaneti kuli ndi mapindu osiyanasiyana:

  • Kufufuza kwa Software: kupenda masamu, magawo osoŵa, ndi chidziŵitso chosagwirizana, kuchepetsa kwambiri kukanidwa.
  • Speed : Zobwezera za mafashoni zimakonzedwa m'masiku, pamene mapepala angabweze masabata kapena miyezi. Kutembenuka kwa thambo kumafulumira kwambiri.
  • Kutsimikizira: Mulandira chivomerezo kuchokera ku IRS mkati mwa maola 48, kupereka chitsimikiziro cha kujambula.
  • [[MLT:0] Ukhondo: [[FLT :1] E- file imagwiritsira ntchito kulembedwa kope, ndipo IRS imavomereza kutumiza makalata chifukwa chakuti zikalata zakuthupi zingataike kapena kutsekedwa.
  • Kafukufuku amabwerera: [[FLT :1] Mautumiki ambiri a ufa woyang'anira boma popanda kugwiritsa ntchito ndalama zambiri amabwereranso, kaŵirikaŵiri chifukwa cha malipiro owonjezereka.

Mapepala adakali othandiza kwa anthu amene alibe Intaneti kapena amene ali ndi mapulogalamu ovuta kuwagwiritsa ntchito, koma ambiri mwa anthuwa, intaneti ndiyo njira yabwino kwambiri yochitira zinthu.

Malangizo Othandiza Kuti Musamachite Nkhawa pa Intaneti

Pamene kuchuluka kwa anthu obedwa dzina lanu, kutetezera chidziŵitso chanu chaumwini ndiko kofunika kwambiri pokonza wailesi yakanema.

  • Gwiritsani ntchito Intaneti yotetezeka. Pewani kugwiritsa ntchito Wi-Fi posainira.
  • Mukhozanso kukopa pulogalamu ya pa Intaneti kapena pa sitolo ya pulogalamu ya pa Intaneti.
  • Gwiritsani ntchito malolezo apadera komanso amphamvu kwambiri pa akaunti yanu ya msonkho komanso pa aibulale.
  • Ngati mugwiritsira ntchito katswiri wa misonkho, tsimikizirani zitsimikiziro zawo (kufunafuna Nambala ya Copitation Identification or PTIN) ndi kufunsa za njira zawo zotetezera chidziŵitso.
  • Mutalemba nambala yanu ya chitsimikizo, sungani mafaelo anu ndipo chotsani zinthu za kanthaŵi ngati mugwiritsira ntchito kompyuta imodzi.
  • Pewani ma email ogwiritsa ntchito IRS amene amanena kuti ndi a IRS. Sangayambitse kulankhulana ndi anthu kudzera m'mameseji, m'mafoni, kapena pa wailesi.

Mafunso Ofunsidwa Mobwerezabwereza Ponena za Kupereka Msonkho

Kodi mu 2025, kodi ntchito yosunga misonkho idakalipo liti?

Kwa okhoma misonkho ambiri, nthaŵi yoikizira misonkho ya boma ndi April 15, 2025. Ngati mukhala ku Maine, Massachusetts, kapena New Hampshire, mungakhale ndi kufikira April 16 chifukwa cha Tsiku la Patriot kapena Tsiku la Kusungitsa. Mafukufukufuku akukakamiza deti la kuŵerengera kufikira pa October 15, 2025, koma osati deti loyenerera.

Kodi ndimafunika kulemba zinthu pa Intaneti ngati nditapeza ndalama zochepa?

Ngakhale ngati ndalama zanu ziri pansi pa chiyeneretso cha kusungidwa kwa $150,000 kwa mafaelo amodzi ochepera pa 65 m’chaka cha 2025), mungafunebe kulemba maina ngati munamanidwa msonkho ku check yanu ya malipiro kapena kuyenerera kaamba ka ngongole zoŵerengeredwa zonga EITC. Kubweza ndiko njira yokha yopezera ndalama zolipirira misonkho yokwera.

Kodi ndingalembe msonkho wanga pandekha pandekha?

Kugula zinthu monga mapulogalamu a msonkho ambiri amaphatikizapo kukonza ndalama zina zowonjezera.

Kodi chingachitike n’chiyani nditalakwitsa?

Ngati mupeza cholakwika, mungapange chobwerera chosinthidwa pogwiritsa ntchito Mafeketi 1040-X. Mumakhala ndi zaka zitatu kuchokera pa deti loyambirira mpaka deti la meseti. Dikirani kufikira kubwerera koyamba kukhale kokonzedwa musanapereke chisinthiko.

Ndalama Zokhometsa Msonkho

Musamapereke ndalama zambiri pa nthawi ya msonkho.

  • S SOUTH (IRS.gov): [[FULT:1] Pezani mafomu, malangizo, zofalitsa, ndi chiŵiya chothandizira kupereka Msonkho chimene chimayankha mafunso padera.
  • IRS Free Failo : kwa AGI ya $79,000 kapena ochepera, kulowa pulogalamu yaulere ya pa wilo yaulere kudzera pa malo a IRS.
  • Service yochirikiza (TAS): Gulu lodziimira lokha pakati pa IRS limene limathandiza okhoma msonkho kuthetsa mavuto ndi kuvomereza masinthidwe auyang’aniro.
  • programu: Kukonzekera kwaulere kaamba ka kuyeneretsa anthu, olembedwa ndi antchito odzipereka a IRS.
  • Mabungwe anu a msonkho a boma:[[FLT :1] Penyani maprogramu a mafaelo aulere ofananawo ndi ziŵiya za boma zobwezera.
  • SOFUTO YA MULIMO YOTENGEDWA: Zida zonga TurboTax, H&R Block, ndi Trusalayer imapereka chitsogozo cha masitepe ndi kuchirikiza ndalama.

Kusunga misonkho yanu sikuyenera kukhala kochititsa nkhaŵa. Mwakuswa njira ya kuyang'anira masitepe okhoza kuchitidwa – kusonkhanitsa zikalata, kusankha njira yolondola yolembera, kupeŵa zolakwa zofala, ndi kukonzekera kaamba ka mtsogolo simudzalamulira moyo wanu wa zandalama. Kumbukirani, chonulirapo sichili kungogwirizana ndi lamulo koma kutsimikizira kuti simulipira ndalama zambiri kuposa zimene muli nazo. Ndi chidziŵitso cha m’chitsogozo ndi chuma chimene chiripo, muli okonzeka bwino kuyendetsa nyengo ya misonkho.