1. 1. Make a list: List down the places you usually go to or shop from, then check which e-wallet can be used most widely at these merchants.
   2. Check the deals: Check which e-wallet has the best deals for your favourite merchants and download the e-wallet. Different e-wallets have better rewards in different shops depending on their partnership. So, make sure you have a few e-wallets to maximise your savings. 
   3. Use your points: Make sure you use up all your rewards that you collect before they expire as most of them have an expiry date. 
   4. Top up what you need: You can reload your e-wallet with just the amount you need for each individual payment. Or, you can top up a larger amount which you can use for a few different payments. But remember, topping up larger amounts will lock your money in your e-wallet and make it difficult for you to access your money if you need cash. Some e-wallets that allow you to withdraw money as cash may charge you a high withdrawal fee. 

Using an e-wallet is a convenient payment option, but e-wallets are not yet available in all stores. So, make sure to choose the right e-wallets to maximise the benefits. And you should also always have some cash on you in case your phone dies or the shop does not accept e-wallets! And no matter what form of payment you use, don’t forget to stick to your budget to be sure that you’re always in control of your finances.