I hope everyone had an awesome one! (Heard some people went on chalets and overseas trip >_>)
Well, I think probably you all guessed what I am going to say, I do know everyone is enjoying awesome goodies/snacks/food out there without a care for your weight etc. But I think some care should be applied to those cash in red packets.
Yes, it feels like a bonus given to you from a job/surprise additional pocket money (from those people who aren’t working yet). But one should not forget fiscal discipline even in these festive times (as well as your bonus from work).
Treat these sums of money as how you would normally redistribute your salary (and maybe use them to channel directly into investments/assets/loans if it gives a good boost for the future). I’m not saying you can’t have any fun from those ang bao money, maybe 5-10% will do =) No need to splurge all of them (I’ll be honest and said I saved all).
One more advice, go easy on gambling okay? Best don’t gamble (unless you’re a shark just out there to eat those little fishes, i.e. blackjack and card counting teams, but that’s so mean). Buying the lottery over here because the winning amount is big is a bad idea (percentage probability of winning is so tiny), remember risk management, it’s not about how much you can win but how much you can lose, paired with probability of success. Don’t let the win amount blind you =)
(I’ll admit I found a red tape on the floor of my desk prior to CNY with 4 numbers and bought them on excitement. Stupid me. Must remind myself tsk tsk.)
Update:
Yup, it never won, as predicted. But a friend of mine gave numbers but didn't buy it ^^"
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