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document.write("<h5>the rich?</h5>");
document.write("how can a person in debt be called rich,i drive a bashed up old golf,but i dont owe nobody anything,that makes me rich.I dont need to stress about earning more and having sleepless nights about it.I dont compete with the Joneses.That makes me rich.. frikkie botes");
document.write("<h5>Nice feeling hey Frikkie</h5>");
document.write(". ddc");
document.write("<h5></h5>");
document.write("well done frikkie. you must be very proud.. G");
document.write("<h5>proud</h5>");
document.write("proud you can be indeed, Frikkie.<br /> only stupid people borrow money and pay interest.<br />feels so good to have no debts.(where every Rand actually costs you 1.20)long live that good old fashioned calvinistic thinking :-). edward");
document.write("<h5>Are you kidding me.</h5>");
document.write("This was obviously written by a person who thinks that going back to the 3rd world is the best way to make/save money. - \"Grow you own food in the back garden?\"  And it is said, use public transport and then the righter says trade in your car for the \"Cheapest\" one you can find. Ever heard of penny wise pound foolish? If you get the cheapest car you can find it will break down and cost you more than a good maintained car. (Oh and if you dont maintain the car, wonder what the resell value is?) Growing food in your back yard, you need a Back yard. And then, the cost of upkeep is more then it will be to buy food. Understand me correctly, but at a fresh fruit market instead of Woolies. But Grow your own food. COME ON! So before we are pushed back into the darkness if the 16th centaury, use your money correctly. Plan forward and make informed decisions. And for Pete sake, don’t do things you don’t know how - Like gown your own food. Oh and obviously, stop spending, like creating a food garden is not spending. . CJ");
document.write("<h5>Great idea</h5>");
document.write("I do have a garden and I think growing some of your own food is a great idea.<br /><br />. Dr Greenthumb");
document.write("<h5>High interest rates</h5>");
document.write("My biggest question is, if the government is trying to stop new debt by increasing interest rates to discourage new loans, why not just apply higher interest rates to new loans and not penalize old loans? I have a 5-year-old bond that I could manage to pay without a problem, but after the many interest rate hikes I now have to borrow from my access bond because of the R2500.00 / month more it cost me on bond repayments. So, from been part of the solution I have become part of the problem, and no fault of mine. It just does not make sense why people who have been paying off their house and car for many years now have to suffer because of the need to curb new debt. Those who are financially responsible should be rewarded and those who are financially reckless should be penalized.. George");
document.write("<h5>do not spend</h5>");
document.write("A good mind only needs half a word to understand a concept ; 'CJ' obviously has no such facility & cannot even spell or construct a decent sentence !  . GB");
document.write("<h5>What about budgeting</h5>");
document.write("I am surprised that there was no mention of budgeting in the short term solutions.<br /><br />How will you know if you are in trouble if you don't have a budget?<br /><br />Madia Thomas,<br />www.onlinebudget.co.za. Thomas");
document.write("<h5>Stop spending! Simple.</h5>");
document.write("I love how this article repeats the words 'Stop spending'.  It really is as simple as that.. Richy Rich");
document.write("<h5>Only one way</h5>");
document.write("There is only one way to get out of debt problems - just don't make any debts! Easy. And STOP SPENDING! ;-D. Brakkie");
document.write("<h5>solutions</h5>");
document.write("has the writer of the article priced solar heating lately? ya well no fine.. cheryl");
document.write("<h5>Yeah Grow Your Own!</h5>");
document.write("#. Ian Finch");
document.write("<h5>The rich are in trouble</h5>");
document.write("I am not happy with the advise that your writer is giving and I find it very much the OLD stuff!!<br /><br />By downgrading your car is the worst cash flow option!! By trading in your origional car for a cheeper car is throwing away R 10 000 to R20 000 immediately!! Then you have to put a deposit down and start paying off on a new lease...AND then your fuel saving is R1 or so per klm!! Please this does not work and can only work if you are doing long term planning!<br /><br />Also, by installing a solar heating system will cost R30 000 to R 60 000 up front and you only see your saving after 3 to 4 years!!<br /><br />Both options are cash out right now..and will put us all very much deeper into debt...and will not help anyone right now!!<br /><br />. David Hartley");
document.write("<h5>CJ???</h5>");
document.write("I dont think CJ got the message.. pala");
document.write("<h5>how stupid !</h5>");
document.write("oh what a joke of an article.. cant belief that allow this rubbish here. We must catch public transport and grow veg in our back yard lololol. The wealthy are wealthy because we take advantage of opportunity.. if that means we need to borrow in order to turn profit we do so..and yes i drive the bmws and have nice properties and things are tighter that usual.. but when this economic mess blows over.. the \"poor dads\" of the world will still be debt free and have nothing !! what a joke. Paul S");
document.write("<h5>David is misguided</h5>");
document.write("David,downgrading your car is an EXCELLENT option, probably the best thing you can do! What are you on about 'put down a deposit for a new lease'? The idea is to get rid of debt.  Sell your car for as much as you can and buy a second hand one CASH! (If you could only get R30 000 for your car then you only buy one worth R30 000 and not a cent more) You obviously don't get it and is addicted to spending like the 'rich' this article refers to.<br /><br />Solar heating DOES save money.  If you have the money, do it! Three/four years and you have all your cash back!<br /><br />David Hartley, ru in trouble? I wouldn't be surprised.. Matt Duval");
document.write("<h5>Paul is spewing rubbish</h5>");
document.write("To Paul, what the hell is wrong with using public transport? It will save tons of money not to mention spare the environment! Even if you don't have money trouble it's a good idea.<br /><br />The wealthy are in trouble because they borrow (not only to turn a profit, that wouldn't have been a problem) to consume and keep up with the Jones's.<br /><br />You might be doing OK, but the rich are losing their BMW's and nice properties at an unprecedented rate.  You're NOT rich if you struggle to make ends meet, whether you own a Beemer or not.<br /><br />Paul, you're spewing rubbish.<br />. Karien Meintjies");
document.write("<h5>Well Off</h5>");
document.write("How do you judge when you are well off? Its all relative.<br /><br />I was one of those in the 500000 per year bracket until 4 months ago. ( I was only in it from Jan 2008) before that a good+-360000 supporting a wife and 2 kids, I made a decision to jump off the band wagon, why ? life is too short to have to worry about who gets paid when,,what car can I buy, lets eat out tonight  etc etc I wanted a stress free life with enough to eat ,a car to get me from A toB and a roof over my head.<br /><br />I was fortuneate I had bought over the years a couple of properties which I sold off ,sold my exec car and 4x4,  bought a 1.3 runabout , Bought a caravan and had a Custom tent made . We bought a small house with Granny flat and now My eldest son and his wife live in the main house ,pay me rent and I have the granny flat to go to when I need a night in Town, or am not well.<br /><br />I now live beside a river in the East Cape, with a magnificent life style and everything is paid for. <br /><br />No more worries, Life is great<br /><br />To recap:Get rid of debt, choose a simple life style,don’t keep up with the Jones and yes grow your own veggies its fun<br />. PB");
document.write("<h5>eish is rich</h5>");
document.write("how about diverting politicians' salaries into a national cabbage patch and making their teams of bodyguards do the weeding? Then give the 33 Mercs in their calavcades to the poor and replacing them with skateboards, and finally set the politicians themselves to productive work by making them polish the insides of sewers. They always have been full of s##t anyway. Viva making politicians help us out of debt viva!. the dude");
document.write("<h5>I love spending and saving......</h5>");
document.write("Basically im 29 years old and i have 2 jobs : Travel agent by day during the week and house DJ on the weekends....NICE salary of R10000 afta TAX..Im a bachelor living in a nice area in cape town,,paying R4000 rent plus another R4000 for essentials like food and petrol and still saving R2000 a month that goes in the bank...I have woman every weekend keeping me company BUT i never commit cause you see WOMAN are expensive things,,,,if you know what i mean!!!!! ;)<br />I drive a R30 000 tazz which i bought cash ,,,yes cash!!!! i suffered for a while with public transport but now the car is mine...<br />SO......does that make me rich???? SCrew what any1 else thinks...i dont give a faack...i spend money on clothes and restaurants,maintain my self and my car and my flat and thats dat....<br />so i spend and save and i dont go overboard with having the biggest #### in the cemetery.....<br />Problem with rich ppl is they never know went to stop : 1 business is not enough,,they want 20.....1 car is not enough they want 1 for their cats and dogs.....so the writer can go blow coke for all i care.....having money and how you deal with it is a mind set.....stop spending money on woman and babies....it makes me sick when i see families of like 5 to 10 kids then they complain and moan.....<br /><br />Anyways....summer is here,,,im gonna go to the beach...see ya lata.... Scott Scot");
document.write("<h5>solar heating</h5>");
document.write("forget the advice about solar heating, its only worth it over the very long haul +5 years payback, if you're in debt that money will be better spent reducing your debt. You can reduce your thermostat temp and just take showers to save electricity in the mean time.. xf");
document.write("<h5>I agree</h5>");
document.write("I paid off all my credit cards using my year-end bonus, and while I might not have a great xmas, I am saving +-1000 a month for the next 2 years that the bank isn't making from me in interest payments anymore. freddie");
document.write("<h5>Solar Heating</h5>");
document.write("I installed a solar prefeed system myself..150l geyser and solar tubes..total cost..R8000...We are saving about R180 a month as a family.. but with elec. price increases i expect payback within 3 yrs. and ongoing increasing savings.... aj");
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