dit lyk asof die ekonomiese toestande van 2020 selfs moeiliker as dié van 2019 gaan wees, en dit is dus noodsaaklik dat jy jou persoonlike finansies noulettend en objektief bekyk.

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.
