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.

swiyimo swa ikhonomi swa 2020 swi languteka swi ta tika swinene ku tlula hi 2019, kutani i swa nkoka swinene leswaku u langutisisa na ku anakanya swinene eka swa timali ta wena.
