儲蓄小祕技

想儲錢但唔知點樣開始?小編之前為大家介紹過入門新手必選嘅 50/30/20 黃金法則 ,而今日我哋將會繼續為大家整合其他方法。

 

由於每人都可能有唔同儲錢嘅理由同原因,例如為退休準備,又或者純粹為咗控制開支。正所謂 ”No dream is too big, and no dreamer is too small“,任何一個目標都同等重要。除咗 50/30/20 同之前轉載過嘅「信封儲錢法」,你亦可以嘗試每個月一出糧後即刻分配一部分到你嘅儲蓄,剩餘嘅部分先再用於消費。呢種儲蓄大計同其他介紹過嘅操作模式相反,但就可以確保離自己嘅理財目標又近咗一步。

 

選擇適合嘅儲錢方法有唔同標準,例如如果你唔太注重每項洗費嘅細節,有啲需要用到理財 app 嘅計劃就可能未必適合你。佢規定你紀錄每筆款項嘅詳情,連用途都要清晰記低。相反,50/30/20 法則會相對較為方便,你只需要每月分配你嘅收入一次,就可以無後顧之憂。但相對地 50/30/20 法則欠缺彈性,當嗰個月出現突發情況,你就需要調動一大筆資金。而「信封儲錢法」雖然用法非常簡單,但每月要將你嘅收入提取成現金,同時下所提倡嘅環保同電子嘅理念完全背道而馳。 

 

無論用邊種方法,謹記定時定候留意自己有冇遵從自己嘅理財計劃,確保自己有持續穩定嘅進展。

 

資料來源:https://www.nerdwallet.com/article/finance/how-to-choose-the-right-budget-system?trk=nw_gn_5.0

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tiips 自2019 年創立至今,2020年完成種子輪融資,唯2021年第四年仍未能籌得新一輪融資,我們作出了艱難的決定,將於2022年2月21號 23:59 終止tiips mobile app 的運作。

我們目前的首要任務是確保用戶積分換取資產及實金買賣服務暢順度及公平性,我們將會分階段停止tiips mobile app 的功能及運作。

實金之安全性

所有客戶的黃金儲存於Tiips Services limited。Tiips Services Limited 是獨立第三方信托人,信托或公司服務提供者牌照號碼為TC007559,客戶的黃金儲存於張氏金業有限公司Tiips Services Limited 的戶口。

Bitcoin的安全性

客戶的Bitcoin存量是儲存在Tips Dollar (HK) Limited 擁有的cold wallet。

時間表如下:

31/12/2021 23:59 停止買入實金。

1/1/2022 00:0021/2/2022 23:59 tiips 積分換取資產及賣出實金及Bitcoin 如常進行。而我們將會用 ”買入價” 回購客戶的資產,已回饋客戶多年來的支持。

21/2/2022 23:59 tiips mobile app 停止運作。

1/3/2022 00:0030/11/2022 23:59 人手處理顧客剩餘現金。客戶的剩餘資產將會用2/21/2022 23:59 當刻價格賣出,而相關金額我們會幫顧客保留,而我們將會用電郵方式確認客戶剩餘之金額,客戶可電郵[email protected]Whatsapp 93889879辦理手續領取現全,該現金我們會用FPS 轉賬,手續費維持港幣$3。

1/12/2022 00:0031/12/2022 23:59 我們會將所有顧客未領取的現金捐贈致愛護動物協會。

儘管tiips mobile app 將終止營運,我們往後會集中開發機構客戶市場,以延續寓消費於儲蓄的理念。

在此,我們衷心感謝所有在過去三年一直支持tiips的用戶、合作商戶及合作夥伴。

tiips was established in 2019 and accomplished its seed funding in 2020. It was with regret that we were still unable to receive the funding for the new round in 2021. Thus, we have unfortunately come to the decision to cease the operation of the tiips mobile app on 21 February 2022 23:59.
To ensure the smooth facilitation and fairness in user points & assets redemption and gold trading, we will close down the functions of tiips mobile app according to different phases.

Safety of Gold

All users’ gold is now stored in Tiips Services Limited, account provided by Cheung’s Gold Traders Limited. Tiips Services Limited is an third party trustee, which its Trust or Company Service Provider Licence number is TC007559.

Safety of Bitcoin

All users’ Bitcoin is now stored in the cold wallet owned by Tips Dollar (HK) Limited.

Timeline as follows:

31/12/2021 23:59 Gold purchases will be suspended.

1/1/2022 00:00 to 21/2/2022 23:59 tiips reward & assets redemption, gold selling and Bitcoin trading will be operated as usual. To express our gratitude throughout the years, tiips will purchase users’ assets at the “BUY PRICE”.

21/2/2022 23:59 tiips mobile app will be ceased to operate.

1/3/2022 00:00 to 30/11/2022 23:59 tiips will manually proceed the users’ remaining cash. Those assets will be sold at the price as of 21/2/2022 23:59, while we will keep the amount of money and email the customers for further confirmation. Customers may email us at [email protected] or Whatsapp 93889879 to collect the cash. The payment will be performed through FPS, and tiips will keep the handling fee at HKD 3.

1/12/2022 00:00 to 31/12/2022 23:59 tiips will donate all the uncollected cash to The Society for the Prevention of Cruelty to Animals (SPCA).

The tiips mobile app might have suspended its operation, nevertheless tiips will continue to expand its corporate market, to sustain the belief in combining spending and saving in the future.

Last but not least, we would like to express our heartfelt gratitude for the support from tiips’ users, merchants and partners over the past three years.