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.

nawa amanye amacebo angakusiza kakhulu ekuhleleni:hlela izifiso zakho zezimali, buyekeza indlela obuphatha ngayo imali onyakeni wezi2019 bese uhlela izifiso ezintsha zonyaka wezi2020.
