As the year draws to a close and the Lunar New Year approaches, consumer demand surges. People often find themselves eager to renovate their homes, purchase new vehicles, or invest in the latest technology and home appliances. Many acknowledge this period as an opportunity to "re-standardize" their quality of life, upgrading themselves as a reward for a year of hard work or to prepare for new opportunities in the coming year. However, short-term cash flow constraints can sometimes hinder the ability to achieve all these aspirations simultaneously.