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document.write("<h5>Point 2: Budget</h5>");
document.write("I am suprised most people would like to manage their debt without even having a plan(budget), Most people think a budget is a grocery list.<br /><br />I decided to create a free online budget creation tool, www.onlinebudget.co.za just to help people avoid bankruptcy.. Thomas Madia");
document.write("<h5>The pot  calling the kettle black</h5>");
document.write("Interesting the Virgin said you must talk to your creditors....  I tried to talk to them but they were totally unwilling to help ... and did not stop harasing me .... A registered Debt Councillor is the best way to go .... DK");
document.write("<h5>Talk to your creditors</h5>");
document.write("From experience (nasty!) and 10 years later, keeping your creditors in the loop does pay dividends. They might get nasty, but in the long run all they want is their money and even if it takes 10 years the light at the end of the tunnel ceases to be a train.. Sandy Jones");
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