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We don't have baby bonus so only LO's red packet, I keep in his savings account - but sadly we had a period where we couldn't manage financially so I had to withdraw to settle some insurance payments and expenses for him. Right now, I don't earn enough to set aside that extra cash back to him - but I have an endowment plan for him that I save into monthly so I guess that counts? :x
Baby bonus all spent away using CDA account. Angpow money will deduct our angpow cost, the earnings will be our child's ang pow money. Then we always "recycle" our angpow money so that no need to change new notes every year.
LO angbaos and baby bonus will be saved into her account. every month we each will put in $200. $100 into the savings account and the other $100 into CDA account. Whatever other expenses for LO will come from our pocket.
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I will keep the angpow into their own bank acc. bb Bonus will 50% will go into their cda acc. another 50% will be spent buying their necessitites
All angpow will go to their indiviual savings. Baby Bonus will be into their CDA accounts for doc visit and cc fees
maybe only angbao will save it up for baby
Mostly deposit and spend ...(:
Spend
Deposit everything