I'm not wishing anybody anything for 2020, I am tired of wishing every year:

For HEALTH: see the   doctor regularly, eat well, work out and worry less.

For MONEY: reduce your sleep to 6 hours a day, watch less of Tv, disengage from wrong associations, increase your work time and Pray always for Divine help.

For LOVE: be honest and sincere in your relationships.

For HAPPINESS: follow peace with all men and love your Neighbour as thyself.

For FINANCES: have a budget for everything you want do, reduce your borrowing anointing in 2020. Don't try to impress anybody while "depressing" yourself in the process.

Your Children School fees, your accommodation and your general lifestyle must be within your income range...
Take more responsibility for your livelihood in 2020 and it will surprise you what God can do. God bless you!

Happy New Year.