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.

maemo a moruo a selemo sa 2020 a shebahala eka a tla ba boima ho feta a selemo sa 2019, kahoo ho bohlokwa hore o shebe ditjhelete tsa hao ka thata le ka kelello e bulehileng.
