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Your money: Christie Liu Sze-ting

Age: 17

School: Yuen Long Merchants Association Secondary School

Young Post: You took part in a management simulation workshop in school last summer. You were  asked to run a business and compete against other teams to sell the most products. After this, what are your views  about being a consumer?

Christie: It made me think more about how products are marketed and how we are targeted. Now when I watch advertisements on television, I think about how much a product is really worth. I check and test things out more than I used to. Also, I see past the packaging immediately and know whether it is worth the money.

YP: What influences you to buy an item?

C: I know that quality is related to the price. But I will consider whether the price is reasonable.  Quality is the most important factor. If it's worth it, I will spend the money. If my friends have already bought that item, I might ask their opinion. Otherwise, I would do some research on the internet. You can read people's opinions in chat rooms.

YP: Do you have a bank account, or a credit card?

C: I have a bank account, but I only use it to store my pocket money.  I think bank accounts are useful when you earn more. Right now, I don't earn enough to make it worthwhile.  I never had a credit card, but I expect I will get one when I start work. I think I would spend more if I had one. You need to be careful  with it.

YP: How do you manage your money so you don't overspend?

C: Every week I will decide how much money to spend, and I won't take out more than my limit. The rest I store  in my room at home. I get HK$200  pocket money every week, and most of that goes for food, about HK$25 per day. I live near school, so transport costs are not a big problem.  I spend about HK$8 a day on the light railway. There is always some left over at the end of the month. I think setting  some rules and sticking to them is the key.



Your money: Christie Liu Sze-ting