Don't commit purely on instinct. Now that the haze problem is over, it's time to start preparing for rainy days. Start small if you like. Save your coins and get the children to do the same. And don't be careless with your one sen pieces.
Every sen counts.
And yes, do insist on getting the right change every time, it is your right as a consumer. Place your money in fixed deposits. Leave it there and reinvest once it matures. Another thing, do place your money in local banks to help speed our economic recovery. Go for the long haul.