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.

timo temnotfo tanga2020 tibukeka sengatsi titawuba matima kakhulu kuna nga2019, ngakoke kuyacindzetela kutsi ubuke timali takho ngeliso lelusoti nekutsi ungavuni luhlangotsi.
