The saver: Whatever the amount you get at Lunar New Year, you keep it. No way you are going to spend it. Good, but money is also to be used ... and if you keep it, don't forget about inflation. Ensure that your money maintains its value or even grow by investing it!

The spender: Next month is far away and you have too many things to buy. Do you really have to? Save a part of your lai see straight away, preferably in a bank, and split the remaining amount into 12: this is your monthly shopping budget.

The planner: You have written your saving goals, your list of expenses and prioritised. Well done! You can now follow your lai see budget and check how you are doing every month.