can you tell me how this will affect me?
It is almost impossible to define how these transits will unfold on you, but it is not a given that these astrological events will be bad for you.
However, you can prepare yourself for them with an adequate creation of proper and solid spiritual defensive barriers and with tireless cleansing and purification of your Soul from negativity and from the negative karma that these astrological movements could activate. I am leaving you a couple of links:
https://ancient-forums.com/threads/saturn-return-%E2%80%93-facts-not-fears.293368/
Keep your energies high, as well as your aura of protection, and face these transits with a proactive mindset and in the awareness that they will make you grow on certain orbits of your existence.