Su Ting, a 25-year-old white-collar worker and confessed shopaholic, recently bought a pile of financial magazines she never read before, determined to manage her money better this year. Lacking confidence in her investment skills and afraid of high risk, Su started to deposit half of her 3,000-yuan monthly salary.

"I used to be a moonlite, which is a popular Chinese moniker for people who always spend all their earnings before the end of the month," Su said. "But now, as I see our annual and monthly bonuses both have been largely cut, I'm a bit concerned about my life in 2009."

According to a survey of 3,690 participants by Sina.com, 48.7 percent choose bank deposits for their money in 2009, while 39.6 percent will continue to invest in areas like the stock market. And more than 50 percent of the respondents believe the worldwide financial crisis will have a great impact on China.