here are some tips to help you along:set your financial goals reflect on your financial discipline in 2019 and set new goals for 2020. settle your debts put any spare funds or bonuses and salary increases towards eliminating debt, as paying off debt quicker could save you a significant amount of interest.

dikeletšo ke tše go go thuša:bea dinepo tša ditšhelete lebelela taolo ya gago ya ditšhele ya 2019 gomme o beye dinepo tše difsa tša 2020. lefa dikoloto tša gago ka moka – bea tšhelete ye nngwe le ye nngwe ya tlaleletšo le diponase le koketšo ya mogolo gore o fediše dikoloto, ka ge go lefa dikoloto ka pela go tla go bolokela tšhelete ye ntšhi ya tswalo.
