As the Lunar New Year approaches, the tradition of giving and receiving angpao (red envelopes) is eagerly anticipated. However, it is common for angpao money to be quickly spent on unplanned consumables. To make it more beneficial, you can manage your angpao wisely and use it as capital for a brighter future.

The first step is to prioritize important needs. Instead of spending on less urgent items, use the angpao money to pay bills, settle small debts, or purchase necessary items. Additionally, consider setting aside some funds for long-term expenses, such as education costs or planned vacations.

During the Lunar New Year, many attractive promotions such as shopping discounts, cashback offers, or investment promotions are available. Utilize these opportunities to buy monthly necessities at lower prices, maximizing your angpao funds.

Consider using your angpao as initial capital for investments. Some investment instruments you might try include mutual funds or beginner stocks, precious metals, or time deposits. If you're also looking to secure your future, insurance could be a smart choice for managing your angpao funds.

By managing your angpao wisely, you not only make it more beneficial but also create opportunities for a better future. Therefore, seize this chance to take small steps towards a more planned and prosperous life.