plan your finances wisely dr rufaro mucheka the new year is an opportunity for a fresh start, to set meaningful goals, create new habits and adjust your past financial spending habits to ensure a more sustainable future.

etsa meralo ya ditjhelete e hlwahlwa ngaka rufaro mucheka selemo se setjha ke monyetla wa ho qala botjha, ho theha merero e kgabane, ho tla ka ditlwaelo tse ntjha le ho lokisa ditlwaelo tse fetileng tsa ho sebedisa tjhelete ho netefatsa bokamoso bo hlwahlwa ba moshwelella.
