Inkathi yentela ingenye yalezozenzakalo zaminyaka yonke ezingase zizizwe zikhungathekile, ikakhulukazi uma ungaqiniseki ukuthi uzoqalaphi. Nokho, uma unomathilomu ocacile womgwaqo futhi ulungiselela, ukuvala izintela kungaba inqubo eqondile. Lo mqondisi uphula zonke izinyathelo ezibalulekile, kusukela ekuqoqeni amaphepha okuthatha ukubuya kwakho, ngisho nanokuthi yini ongayenza ngemva kokwenza amafayela. Kungakhathaliseki ukuthi ungumkhokhi wefayili wokuqala noma umthelisi onolwazi, lokhu kubheka intela ngokulandelana kuzokukusiza ukuba usebenzise isimiso ngethemba futhi ugweme izingibe.

Ukuqonda Izisekelo Zokufunza Intela

Ngaphambi kokuba uqale ukwenza izinombolo ngendlela ethile, kubalulekile ukuqonda imiqondo eyinhloko esekela isimiso sentela sase - United States.

Amagama Abalulekile Okukhokha Intela Kufanele Aziwe

  • Inzuzo engathi sína: Lena inzuzo yakho yonke evela kuyo yonke imithombo ethatha inguquko, izincopho, nezikhutshelo ezikhululekile. Kubantu abaningi, lokhu kuhlanganisa iholo, amaholo, inzuzo, inzalo, inzuzo, neholo lebhizinisi. Ukuqonda okubalulekile njengeholo elikhokhelwayo kuyisinyathelo sokuqala sokubika ngokufanele.
  • Izilinganiso ezithenjisweyo: Izilinganiso zokunciphisa inzuzo yakho engaphansi kwentela. Ungakhetha phakathi kwenani elivamile (inani elimisiwe lemali ye-dollar elixhomeke esilinganisweni sakho) noma ukulinganisela izindleko (ukuhlela izindleko zabantu ngabanye njengenzalo yemali yokuthenga isikweletu, iminikelo yokusiza abaswele, nezindleko zezokwelapha). Izinga elivamile lama-2025 lingaba i-R350 000 kubafaki be-hele kanye ne-R350 000 bemibhangqwana eshadile. Ukukhetha indlela elungile kunganciphisa ngokuphawulekayo isikweleti sentela yakho.
  • Izikweleti ezibolekwayo: Ngokungafani nezikweleti, ezinciphisa intela oyikhokhayo, izikweleti zentela zinciphisa ngokuqondile intela oyikweletayo, idollar ngemali. Ezinye izikweleti ziyakhokha, okusho ukuthi ungathola imali egciniwe uma ikweleta kudlula intela yakho. Izibonelo ezivamile zihlanganisa intengo ekhokhelwe intela (ETC), intengo yentela yabantwana, kanye nemali yentela yezemfundo eseMelika.

Ukujwayelana nalemiqondo kuyokwenza ukuba yonke inqubo yokuhlela ingasabiseki. Uma ungaqiniseki ngegama elithile, i-IRS inikeza ukucaciswa okubanzi engosini yayo .

Isinyathelo Ngesiqondiso Sokukhokha Izintela

Manje njengoba usuqonda izinto eziyisisekelo, sekuyisikhathi sokuvala imikhono yakho bese usebenza ngenqubo engokoqobo yokufaka.

Isinyathelo Sokuqala: Hlanganisa Amaphepha Akho

Kuzo zonke izindleko zokubuya kwentela okuphumelelayo kuqala ngamarekhodi ahleliwe, ungazami ukugcwalisa amafomu ngekhanda, kunalokho qoqa wonke lamaphepha alandelayo ngaphambi kokuba uqale:

  • Amabhukwana angenayo: Izinhlobo zeW-2 kunoma imuphi umqashi, 1099-NEC noma 1099-MISC kuhlawulwa noma umsebenzi wesivumelwano, 1099-INT ukuze kutholakale inzuzo yenzalo, 1099-Ukwehlukana ngenxa yenzuzo, kanye nanoma yiziphi izimemezelo ezibonisa inzuzo yebhizinisi noma iholo lokuqasha.
  • Izimali ezikhokhwayo ezingenakukhokhwa: izinombolo zemali zezindleko zokwelapha, inzalo yendlu (Form 1098), izimemo zokusiza abasweleyo ukunikela ngamalishi, intela yempahla, namarisithi ezindleko zebhizinisi uma uzisebenzela.
  • [ Amarekhodi okuhlanganisa: izimemezelo ezivela kuma-akhawunti anyusiwe abonisa inzuzo yenhlokomo noma ukulahlekelwa, kanye namarekhodi okuthengiselana nge-crypto uma ekhona.
  • Izimpawu zomuntu siqu: izinombolo zomphakathi zokulondeka, umngane wakho womshado, nanoma iziphi izincika kunoma iziphi izisulu. Futhi, tholani intela yenu yangaphambi konyaka, ngoba ngokuvamile iqukethe ukwaziswa okuthwala isamba sentambo njengentambo.
  • Amarekhodi okukhokha: amarekhodi anoma yiziphi izikweletu zentela ezilinganiselwayo ozenzile phakathi nonyaka noma noma iziphi izikweli ezifakiwe ngonyaka odlule.

Ukuhlela lamaphepha encwadi eyodwa (engokomzimba noma enomboloni) kuyokusindisa ekufuneni amahora amaningi kamuva. Sebenzisa uhlu lokuhlola lwe-IRS noma i-software yakho yentela ukuze uqinisekise ukuthi akukho okulahlekile.

Isinyathelo Sesibili: Thola Ukuthi Unesiphi Isimo Esibi Futhi Uthembele Kulabo Abasezingeni Elifanele

Izimo zakho zokufaka zithinta ukuhlawuliswa kwakho okuvamile, izigelekeqe zentela, kanye nokufaneleka kwezikweleti ezithile. Izimo ezinhlanu yilezi:

  • [[UMTH:0] u-'[[QULT:1] - kubantu abangashadile abangafanelekeli esinye isimo.
  • I- - kwemibhangqwana eshadile ehlanganisa iholo layo nenani elithelweyo.
  • Ibonelele ngokuhlukanisayo – ngezinye izikhathi kusiza uma omunye umngane womshado enezindleko ezinkulu zempilo noma imali ebolekiswayo yabafundi.
  • Ukuphelela eMkhayeni[ – kubantu abangashadile abakhokha ingxenye yezindleko zekhaya kumuntu ofanelekayo (ngokuvamile ingane noma umzali oncike kuye).
  • Ukunikeza i-Qualing Surviviving Spening Omngane womshado – kubafelokazi noma abafelwa abancike kwabasizi iminyaka emibili ngemva kokufa komngane womshado.

Ukukhetha isimo esifanele kubaluleke kakhulu. Ngokwesibonelo, ukubeka ikhefu njengeNhloko Yomkhaya ngokuvamile kunikeza isilinganiso esiphansi sentela kunesomuntu ongashadile. Uma ungaqiniseki, ithuluzi le - IRS kuyi - Internet noma uchwepheshe wentela kungakusiza ukuba uthole ukuthi ikuphi okungcono kakhulu ongakwenza.

Isinyathelo 3: Khetha indlela Yakho Yokudlala

Unezindlela ezintathu eziyinhloko zokubhala phansi izintela zakho:

Isinyathelo 4: Gcwalisa Intela Yakho Ngokunembile

Kungakhathaliseki ukuthi usebenzisa i-software noma amafomu ephepha, isihluthulelo sabaningi abantu singu-Form 1040. Lokhu kuyindlela yokubuya kwentela yomuntu ngamunye ekhokhelwayo. Kuye ngesimo sakho, ungadinga futhi:

  • [[INTLA:0] I-checure A – ukunikeza izikweleti (isithakazelo semali, intela kahulumeni neyomphakathi, izipho zokusiza).
  • I-chedule C – ukubika inzuzo noma ukulahlekelwa ebhizinisini le-injini eliyi-intellitary noma le-intenence.
  • [ I-decure D – ukubika inzuzo enkulu nokulahleka kwezingeniso.
  • [[UMTH:0] Form 8863 – ukusho ukuboleka imfundo njengetshengwa le-American Opportunity Incour okanye i-Limetime Learning Creensure.
  • [[UMTH:0] IForm 2441 – ukusho ukuthi umntwana no Creator.

Faka ukwaziswa ngokucophelela. Amaphutha amaningi ayenzeka kwinombolo elula ye-typos – engalungile ye-social Security noma isibalo esinganembile se-dollar kungabambezela i-refounds yakho noma ukuveze i-IRS isaziso. Uma usebenzisa i-software, hlola kabili ukuthi wonke amafayela akhishwe ku-W-2 naku-1099 afana nemibhalo yokuqala.

Isinyathelo 5: Bukeza kanye nophawu oluphindwe kabili lwephutha elijwayelekile

Ngaphambi kokushaya uphonse noma ufake uphawu emvilophini, qala ngaloluhlu:

  • Ukwaziswa okukodwa: Yigama, izinombolo zezokulondeka kwezenhlalo, nezinsuku zokuzalwa ezifanele wena, oshade naye, kanye nabo bonke abancike kuwe?
  • Imali oyileleyo:[ Uhlanganise yini wonke o-W-2 no-1099? Uyibike yini inzalo yasebhange ngisho noma ungayitholanga ifomu?
  • [[AKMT: 0] Izihlomelo: Ukhethe phakathi kwethesi elivamile nenani elishibhiwe? Noma isiphi esikunika ukuthelelwa okukhulu kulungile.
  • QUE: iSoftware yenza lokhu ngokuzenzakalela, kodwa uma ifakwa ngesandla, hlola futhi zonke izibalo.
  • Isignesha nosuku: Izinxephezelo ezingasayinwanga azithathwa njengezigcinwa. Uma kuhlelwa ndawonye, bobabili abangane bomshado kumelwe basayine.
  • Imininingwane yezeqhwa: Uma ulindele i-refy, qinisekisa ukuthuthwa kwakho kanye nezinombolo ze-akhawunti ye-ofice ngqo – eyodwa yemivo engalungile ingathumela imali yakho kwi-akhawunti engalungile.

Kuwukuhlakanipha ukuba umuntu olandelayo abukeze ukubuya kwakho, ikakhulukazi uma ubhala ephepheni, abalungiseli bentela abaningi banikeza inkonzo yokubukeza mahhala ngenkokhelo, kodwa ngisho nomngane omethembayo angathola amaphutha asobala.

Isinyathelo 6: Bekani Intela Ebuyayo

Uma nje ukubuya kwakho sekuphelele futhi kukhululekile ngephutha, unezinketho ezimbili ezizithobayo:

  • I-paddon esobala (e-hele): Lena indlela esheshayo, elondekile kakhulu. I-IRS ibuya ngokushesha, futhi uma kufanele i-refound, ifika phakathi nezinsuku ezingu-21 (noma ngisho nangokushesha kakhulu ngokufaka). I-software yentela eminingi ibuye ibuye ndawonye yombuso nombuso.
  • Thuma ibuyelo lakho:[ Uma ufaka iphepha, ushicilela amafomu, wasayine, futhi uwathumele ekhelini elifanele le-IRS (litholakale eziyalweni). Qiniseka ukusebenzisa imvilophu elungile neposi elanele. Ukulungisa iphepha kungathatha amasonto noma izinyanga, ikakhulukazi phakathi nenkathi enonyaka ephakeme.

Gcina ikhophi ye-paredi yakho eqediwe kanye nazo zonke iziqinisekiso. Uma u-e-hele, gcina inombolo yesiqiniseko njengobufakazi bokugcinwa kwephepha. Uma uyithumela, yithumele ngeposi eliqinisekisiwe nelithi lokubuyisa eliceliwe.

Ukucabangela I - Filing

Ngemva kokubuya, imithwalo yakho yemfanelo ayikapheli, kunezinyathelo eziningana ezibalulekile okufanele uzithathe ngemva kokuyihlela.

Bheka I - refured Yakho

Ungahlola isimo se-revend yakho kahulumeni usebenzisa i-IRS ethi “Uphi Umjongi Wami?” Ithuluzi engosini ye-IRS noma nge-IRS2 Gocella. Uzodinga inombolo yakho ye-Social Security, i-moscip, kanye nemali enembile ebuyiselweyo. Ithuluzi lihlaziya kanye ngamahora angu-24. Ku-i-redunds kazwelonke, hlola i-website yomnyango wentela ka-IRS.

Gcina Amakhophi Efayili Egcinwa Egciniwe

I-IRS ngokuvamile ineminyaka emithathu kusukela ohlwini lwakho lwemali ukuyohlola ukubuya kwakho (iminyaka eyisithupha uma ubika imali ehhanjiswayo ngeminyaka engaphezu kwengu-25%). Ngakho, gcina amakhophi emali yakho ebuyayo yentela kanye nazo zonke izincwadi ezisekelayo (W-2, 1099s, ama-risidi) iminyaka emithathu. Uma ufaka icala lokulahlekelwa yizikweletu ezingenanzuzo noma ukulahlekelwa okungafanelekile, gcina amarekhodi iminyaka eyisikhombisa. Zigcine endaweni ephephile, kungaba ikhabethe lamafayela elikhishweyo noma incwadi ye-adiccode.

Ukuhlela Unyaka Ozayo

Inkathi yentela futhi iyisikhathi esihle sokucabanga kusengaphambili. Uma uthola imali enkulu, ungafuna ukulungisa ukugodla kwakho ngokunika umqashi wakho iW-4 entsha. I-refter encane isho ukuthi unika uhulumeni imali encane yokuboleka engenanzalo. Ngokuhlukile, uma uboleka imali eningi, kungadingeka ukhuphule noma ukhokhe intela elinganiselwa kane ukuze ugweme izijeziso.

Amaphutha Entela Okufanele Agwenywe Avamile

Ngisho nabakhokhi bentela abanokuhlangenwe nakho bangasheshi. Nakhu amaphutha avame kakhulu nendlela yokuwagwema:

  • Isivumelwano sokuzinqumela:[ Ukuthatha umzuzu wokugcina kwandisa ithuba lamaphutha nokulahlekelwa izikweleti. Qala kusaqala ngqa ngasekupheleni kuka-January noma ekuqaleni kukaFebruary – ngakho unesikhathi sokuqoqa amabhukwana nokubuza imibuzo.
  • imposiso yezinguquko emithethweni yentela:[ imithetho yentela ishintsha kaningi. Ngo-2025, ushintsho luhlanganisa izigebe zokukhokha zamandla emali, izikweleti eziphezulu, nezingashiwe ezisesilinganisweni, nezingashintsha isigaba sezikweletu ezithile. Zibophelele kunyuko lwe-IRS noma xhumana nochwepheshe ukuze uhlale ukhona.
  • [[NTL:0] Ukufuna zonke izikweleti nezikweletu: Abakhokhi abaningi bentela ngenxa yokuthi abazi ukuthi bayafaneleka. Ngokwesibonelo, iCrever yomgcini-mali (yomhlalaphansi othola umhlalaphansi olinganayo)) ivame ukunganakwa. Ngokufanayo, i-Premium Teach Cresurences yezempilo ethengiwe ngetheki kumelwe ibuyisane lapho ubuyela emuva.
  • [[NTL: 0] Ukuphatha ama-akhawunti omhlalaphansi: Ukusakaza kusenesikhathi kusuka ku-401(k) noma i-IRA ngaphambi kokuba ube neminyaka engu- 592 kuya kuthola isijeziso se 10% ngaphandle kokuba kusetshenziswe i-arhente. Ama-rollover kumelwe aqedwe phakathi nezinsuku ezingu-60 ukuze kugwenywe intela.
  • Intela kahulumeni ekhokhwayo: Izifunda eziningi zinentela yazo eziholayo. Ukwehluleka ukubhala umbuso ubuye ungaphumela ezijezisweni ezihlukene nenzalo. Uma uhamba phakathi nonyaka, kungadingeka ubuye ubhalise inxenye yeminyaka kuzo zombili izifundazwe.

Ukusingatha Izimo Eziyinkimbinkimbi Zentela

Nakuba abakhokhi bentela abaningi benemali eqondile eyi-W-2, abanye babhekene nezimo eziyinkimbinkimbi kakhulu. Nasi isiqondiso sezinkinga ezivamile.

Ukuziphilisa Nomsebenzi Wokonga

Uma ushayela imoto ukuze uthole i-pane, wenze umklamo wezithombe, noma uthengise izinto kuyi-intanethi, usebenza uqobo ukuze ukhokhe intela. Lokhu kusho ukuthi kumelwe ubike yonke iholo (nakuba ungalitholanga iholo le-1099-NEC) kuShedynal C. Ungasusa izindleko zebhizinisi ezingokomthetho njengematerium, izindleko zehhovisi lasekhaya, izinkonzo, nezinhlelo ze-software. Ngaphezu kwalokho, kumelwe ukhokhe intela yokuzisebenzela (Ukhuseleko Nezikhungo) emiholweni yakho yenethi. IRS inikeza amabhizinisi amancane [[FLT:]] i-cut esemthethweni ebhizinisini.

Ukutshala Nokudla Ubisi Kuyachuma

Imali ethengiswayo, izibopho, imali, kanye nemali ebhaliswayo ziyizenzakalo ezikhokhelwayo. Uzothola i-Form 1099-B ku-odar wakho futhi kumelwe ubike inzuzo ngayinye e Shedyuli D. Inzuzo yesikhathi esifushane (izinhlelo ezigcinwe ngaphansi konyaka) ikhokhelwa ngemali evamile; inzuzo yesikhathi eside iphansi. Ukukhomba okuyimfihlo, i-IRS iziphatha njengempahla – zonke izikhangiso noma intengo ngayinye ebangela isenzakalo sokukhokha intela. Sebenzisa i-software yentela ukubala inzuzo yakho ngokunembile.

Ukuphila Kuyashintsha: Umshado, Isehlukaniso Noma Abancikile Ezentengisweni

Izenzakalo ezinkulu zokuphila zithinta izintela zakho. Ukushada kushintsha isimo sakho sokukhokha imali futhi kunganciphisa isikweleti sentela esihlangene (“inkokhelo yomshado”) noma kwandise (“isijeziso somshado”). Isehlukaniso singathinta imithetho ye-antimoni (yazezehlukaniso ngemva ko-2018, antimony ayikhutsheli umkhokhi noma ekhokhelwa intela). Futhi, ukucela umntwana noma umzali, noma esinye isihlobo – kudinga ukuhlolwa okuthile (ukuphela, ukusekela, ubuhlobo, ukusekela). Qaphela i-IRS u-Expacrective 501 ukuze uthole imininingwane.

Okufanele Ukwenze Uma Ungenakukwazi Ukukhokha Intela

Uma ukweleta izintela kodwa ungakwazi ukukhokha ngokugcwele ngesikhathi esimisiwe sika - April, ungasishalazeli lesi simo. i - IRS inikeza izinhlawulo eziningana:

Khumbula ukuthi i - IRS ikhetha ukukhokha ilungiselelo kunokuphoqelela ukugcinwa kwemithetho.

Ukuphehla Iphepha: Yikuphi Okungcono Kakhulu?

Nakuba zombili izindlela zamukeleka, i-e-filfire inikeza izinzuzo ezihlukile:

  • Accurture:[ ihlola amaphutha ezibalo, amasimu alahlekile, kanye nemininingwane engavumelaniyo, kunciphisa kakhulu ukwenqatshwa.
  • Ijubane: izibuyelo ze-E-flut zilungiswa ngezinsuku, kuyilapho iphepha libuya lingathatha amasonto noma izinyanga. Ukujika kwe-Reefd kushesha kakhulu.
  • Ukuqinisekisa: Uthola ukuqashelwa yi-IRS phakathi namahora angu-48, kunikeza ubufakazi bokudweba.
  • [[Umthetho:0] Ukhuseleko:[ U-E-hele usebenzisa ukufihlwa, futhi i-IRS itusa lokhu ngokuthumela ngoba amabhukwana angokoqobo angalahleka noma avinjelwe.
  • Isimo sibuya:[ Izinkonzo ze-e-hele eziningi eziphatha isifundazwe ngaphandle komthungo zibuye futhi zibuye, ngokuvamile ngenkokhelo eyengeziwe.

Iphepha elibhaliwe lingase lisize kulabo abangangeni kuyi - Internet noma abanezinzuzo eziyinkimbinkimbi kakhulu i - computer engakwazi ukuzisingatha, kodwa iningi labantu, i - e - file iwukhetho oluhlakaniphile.

Amacebiso Okuphepha Nge - Internet

Njengoba ukwebiwa kwemininingwane yakho kukhula, ukuvikela ukwaziswa kwakho siqu kubaluleke kakhulu lapho ubhala ngemishini.

  • Sebenzisa ukuxhumana okulondekile, okuyimfihlo kolwembu-mgamu. Gwema uWi-Fi womphakathi ukuhlohla.
  • Khetha i - computer yentela kumninindlu onedumela elihle bese uyikopisha ngokuqondile engosini ye - Internet engokomthetho noma esitolo sezinhlelo.
  • Sebenzisa i-password ehlukile, eqinile kwi-akhawunti yakho yentela ne-akhawunti yakho ye-imeyili.
  • Uma usebenzisa uchwepheshe wezentela, qinisekisa izitifiketi zabo (funa i - Predification Number yeThost Idefication or PTIN) bese ubuza ngezindlela zokuphepha ukwaziswa.
  • Ngemva kokubhala phansi, gcina inombolo yakho yesiqiniseko bese ucisha amafayela wesikhashana ngokuqiniseki uma usebenzisa ikhompyutha eyodwa.
  • Qaphela ama-email okuqapha athi avela kwi-IRS. i-IRS ngeke iqale ukuxhumana nge-imeyili, nge-meyile, noma ngemithombo yezindaba.

Imibuzo Evame Ukubuzwa Ngokufuya Intela

Uyini umsebenzi wokukhokha izintela ngo - 2025?

Kubakhokhi bentela abaningi, isikhathi sokufaka izintela zikahulumeni singu-April 15, 2025. Uma uhlala eMaine, eMassachusetts, noma eNew Hampshire, ungathola kwaze kwaba ngoApril 16 ngenxa yoSuku lukaPatriot noma imikhosi yoSuku lokuBuyisela. Izithasiselo zisunduzela umhla omisiwe ku-October 15, 2025, kodwa hhayi usuku olufanele lokukhokhwa.

Ingabe kudingeka ngifake amafayili uma ngihola imali engaphansi kweyokuhola?

Ngisho noma iholo lakho lingaphansi kwemfuneko yokufaka imali engaphansi kwe-(R15 000 kumafayili angaphansi kuka-65 ngo-2025), ungafuna ukubhala phansi uma ubungagodli intela esheke yakho yeholo noma ufanelekela ukubolekisa okungakhokhelwa njenge-EITC. Ukuphindela u-Forting ukuphela kwendlela yokuthola isamba sentela ekhokhelwa imali eshisiwe.

Ngingabhala intela kahulumeni ngaphandle kukahulumeni?

Yebo, kodwa kulula kakhulu ukusebenzisa inkonzo ehlangene. Ama-software amaningi entela ahlanganisa ukuqoqa intela kahulumeni ukuze athole imali eyengeziwe. Ukubhaka ngaphandle kwandisa amathuba amaphutha noma okushiyeka.

Kwenzekani uma ngenza iphutha ngemva kokufaka ifomu?

Uma uthola iphutha, ungafaka i-fusion elungisiwe kusetshenziswa i-Form 1040-X. Uvame ukuba neminyaka emithathu ukusuka osukwini lokuqala ukuya ku-mendi. Linda kuze kube yilapho ukubuya kokuqala kulungiswe ngaphambi kokuletha i-amension.

Imithombo Yentela

Akudingeki ukuba umuntu asebenzise intela yedwa.

  • [[IFLT:0]S i-IRS (IR.gov):[ Thola amafomu, iziyalezo, izincwadi, nethuluzi elikhokhela intela eliphendula imibuzo eqondile.
  • IMIR Free Fayili:[ ku-AGI engu-$79,000 noma ngaphansi, i-software yentela yegama elikhululekile nge-IRS.
  • [ Inkonzo yoMxhasi (TS): Inhlangano ezimele phakathi kwe-IRS esiza abakhokhi bentela ukuxazulula izinkinga futhi itusa izinguquko zokuphatha.
  • [[QULT:0] Izinhlelo: Ukulungiselela intela mahhala ukulungiselela abantu abafanelekayo, abasebenza ngezisebenzi zokuzithandela ze IRS.
  • Inhlangano yakho yentela yezwe:[ Qaphela izinhlelo ezifanayo zokuhlela nama-aspect e-odance ezibuyiselo zikahulumeni.
  • [[I-software yentela esemthethweni: Amathuluzi anjenge-TurboTax, H&R Block, kanye ne-Taxisslayer inikeza isiqondiso sesiteshi se-temp- kanye nokusekela ukuncishiswa kwemali.

Ukukhokha izintela akudingeki kube yisikhathazo. Ngokuphula inqubo ibe yizinyathelo ezilawulekayo – ukuqoqa izincwadi, ukukhetha indlela yokubhala elungile, ukugwema amaphutha avamile, nokuhlela ikusasa – ulawula ukuphila kwakho kwezimali. Khumbula, umgomo awukona nje ukuvumelana nomthetho kodwa ukuqinisekisa ukuthi awukhokhi okungaphezu kwesikweletu sakho. Ngokunikezwa ulwazi olukulesiqondiso kanye nemithombo ekhona, uhlonyiswe kahle ukuba uqhube inkathi yentela.