GREETINGS!

The holiday season is with us again. The year 2008 was a difficult one for everyone, rich and poor. This year saw rises in interest rates, as well as in petrol and food prices. As a result, people had less money to spend on other items.

So, when spending our hard-earned bonuses during this time, we should keep in mind that January is the most demanding month of the year. It would be wise to spend our bonus money responsibly and buy only items that we can afford and really need. We should also put something away for emergencies.

It is very easy to overspend during this time of the year. However, think of the financial difficulties that overspending can cause for the rest of the year. Let us start the New Year without debt.

Acting responsibly over the holiday season is not limited to money issues. Having fun shouldn't be about drinking or misbehaving. Let us not abuse alcohol, women, children and the elderly. Above all, let us respect our bodies. Please do not drink and drive. Your life is valuable and South Africa needs you.

It is easy to engage in unprotected sexual acts at this time of the year, so please be extra careful. Always remember government's slogan about irresponsible sexual behaviour, "Zithande" , which means love yourself and protect yourself against HIV and Aids.

Next year, we will continue to provide helpful articles to inform and empower our readers.

The Editor