the economic conditions for 2020 look likely to be even tougher than in 2019, so it is imperative that you take a hard and objective look at your personal finances.

maemo a ekonomi a 2020 a bonala a tlo ba boima le go feta a 2019, ka gona go bohlokwa gore o be le tebelelo ye e nepišago ka fao o šomišago ka gona tšhelete ya gago.
