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.

maele ke ana a ka o thusang tseleng ya hao:teka merero ya hao ya ditjhelete – lekola boitshwaro ba hao ho tsa ditjhelete ba selemo sa 2019 mme o teke merero e metjha bakeng sa selemo sa 2020. lefa dikoloto tsa hao – sebedisa tjhelete ya masalla, dibonase kapa ya kekeletso ya mokgolo mabapi le ho tlosa dikoloto, kaha ho lefa dikoloto ka pele ho ka o bolokela tjhelete e ngata ya tswala.
