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document.write("<h5>good article</h5>");
document.write("good tips,enjoyed this article. Sheree");
document.write("<h5>Money Market</h5>");
document.write("You can open a money builder with a minimum of R 50.<br /><br />I disagree that you should save for emergencies before setteling debt. If you have more than one credit card selcted the one with the smallest outstanding balance and pay that off first. You will be saving 25% interst. Keep this for emergency funds (not ideal as stated you will just go back in debt, but the interest savings will be more than you earn, even on a money market account).<br /><br />An emergency fund should be for EMERGENCIES. Needing to repair a car etc. is NOT an emergency. we all know that we have cars break etc. The maintinence should be included in your budget  . Oracle");
document.write("<h5>Essential</h5>");
document.write("I'm a self-employed, small professional firm. <br />Since the last 2001 recession, I had put away about 10% of gross monthly income for the 'rainy-days'. My aim was to have 6 months saved - just in case. I only got to 4 months. <br />I was forced since January to use it to top up my income. <br />Thank god for that!! <br />I have been able to survive since then and should be ok till February '10. (Holding thumbs!!)<br />I have not retrenched anyone, but one assistant is on short-time and cut all non-essential expenditure.<br /><br />So although the recession has been helluva stressful, it could have been catastrophic without my savings. <br />I put the money into my access bond. Bonus of this it is always accessible (I NEVER use it for anything else except now!)and it saved me interest on my bonds!. Peter1");
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