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All that extra cash flooding into a red-hot economy is exacerbating China's 7%-plus inflation rate.

You should sit down with someone you trust and work out a budget that will enable you to save a little extra.

"That's not good, " says Mama. "You should spend some of the money on useful things. And save the rest of it. "

Spend Thanksgiving in D. C. , Christmas in London or New Year's in Miami -- and still have money left over for gifts.

Luckily I started to get some clients that had a little more money , so the stuff was a little more permanent .

Why not just leave extra cash at home? It's a matter of self-discipline, she explains: 'If it's in your house, you just tend to spend it. '

Xia spends her weekends, and her family's spare cash, attending tutoring sessions to help prepare her for the examination.

If the city has to pay itself, there won't be any money left to build new facilities, he said.

It has to seize the opportunity and cut taxes so that consumers, after years of stagnating wages and rising taxes, have more left to spend.