Money matters

It May be a bit premature to count your chickens before they hatch or, for that matter, your lai see before Chinese New Year arrives.

However, now is always the right time to start saving and investing your money wisely.

Let's begin with saving.

I get very excited when the numbers in my little red Hang Seng Savings Account book increase. I take great pride in the fact that I have only withdrawn money a handful of times.

I am almost obsessive-compulsive about the number of digits that signify my wealth (or lack of).

Assuming that you do not suffer from similar symptoms, I would advise you to approach saving from a different perspective.

Set a goal and work towards attaining it step by step.