About to start my personal Money Saving Challenge by empoderat

hive-167922 · @empoderat · Jan 11 '20

$4.40

About to start my personal Money Saving Challenge

A couple of days ago I read this [post](https://steempeak.com/hive-167922/@spinvest/join-the-penny-a-day-saving-challenge-and-get-5-free-spi-tokens-everyone-welcome) from @spinvest where it proposes a popular and interesting method to save a few hundreds $/€/£ at the end of the period of the challenge.

#### The Penny a Day Saving Challenge

And as the title suggests, you must save a penny everyday, compounded until the day 365 where you'll end up with about ~667,95€.

I've decided to try this on my own, as I'm a big fan of the magic of the compounded interest and I'm a huge believer in recurring savings rather than depending on the gov to retire.

Build up the habit of saving is very important, because starting (+) early, the pocket 'burn'decreases exponentially and sets up ourselves in a better position overall. It's about empowering us after all uh?

#### My Own Touch

The challenge encourages to start with 0,01€, the following day 0,02€ (and so on), and (just) because this is a very small amount to feel the challenge relevant in the first ~0-100 days or so I've decided to start throwing in away all the possible spare cash that I have in hand right now.

![coins.jpg](https://files.steempeak.com/file/steempeak/empoderat/0YZZBx1H-coins.jpg)

I'll be using this [sheet](https://steemitimages.com/p/5bEGgqZEHBMe6s3wiPgGLGMfvig9QShSZU5pqHX1YYALSbGqJBWXyN6qzEo88sKSQfdURQm6XVBNQe3yN51MmMhxxC4jhKgA?format=match&mode=fit) and Ill be using this initial sum of cash to mark most of the early days boxes.

Counting...
...
...
...

Yay! 6,61€ Not bad at all for a nice start :)

I proceed to mark a few boxes and to put it all into a jar.

![jar.JPG](https://files.steempeak.com/file/steempeak/empoderat/o5P0E5A2-jar.JPG)

![startchallenge.JPG](https://files.steempeak.com/file/steempeak/empoderat/NIKWJnuZ-startchallenge.JPG)

I also should say that my intend is not to save all this money (progressively) thinking about early next year. I see it as a way to save some money in a agressive way which would allow me to prepare for the next months, as might be travelling and I'll surely need the cash. Dunno yet.

If I'm able to save 200-400€ with this gamified savings plan I'll be more than satisfied.

I'll keep you updated. Sure it will be a funny experience (I'm thinking to clean the car atm... maybe I'll find some more coins under the seats).

----

You can follow me on [Twitter](https://twitter.com/elempoderat)

![minatobtc.png](https://files.steempeak.com/file/steempeak/empoderat/FDJRlNUc-minatobtc.png)

<hr><center>Posted via <a href="https://steemleo.com/">Steemleo</a> | A Decentralized Community for Investors </center>

👍 nworb, inature, empoderat, numberofthingz, trevonjb, likwid, midlet, truce, ketcom, holm, sharkface, raj808, exyle, taskmaster4450, ronaldoavelino, roncoejr, bitrocker2020, gascap9000, linakay, cryptofiloz, nateaguila, marfonso, coreyssteemit77, kenanqhd, gerber, theestateof.mind, daltono, ikrahch, onepercentbetter, badmusgreene, cheema1, gharrington44, gandhibaba, wrecktangle27, sbi10, abrockman, glastar, steemer-sayu907, joannewong, newtrailers, cryptogangz, master1992, daan, otage, syedumair, michaeljn, dhanagc, intrepidthinker, world-travel-pro, lagtv, lagtvgames, steem.leo, jluvs2fly, theexcelclub, amahovac93, e-r-k-a-n, fiicjames, rangertx, hypersonic1, blockbrothers, trydice, aaronleang, rativiv, rightwing670, and 223 others

`author`	empoderat
`permlink`	about-to-start-my-personal-money-saving-challenge
`category`	hive-167922
`json_metadata`	{"tags":["steemleo","palnet","neoxian","lifestyle","creativecoin","ctp"],"users":["spinvest"],"image":["https://files.steempeak.com/file/steempeak/empoderat/0YZZBx1H-coins.jpg","https://files.steempeak.com/file/steempeak/empoderat/o5P0E5A2-jar.JPG","https://files.steempeak.com/file/steempeak/empoderat/NIKWJnuZ-startchallenge.JPG","https://files.steempeak.com/file/steempeak/empoderat/FDJRlNUc-minatobtc.png"],"links":["https://steempeak.com/hive-167922/@spinvest/join-the-penny-a-day-saving-challenge-and-get-5-free-spi-tokens-everyone-welcome","https://steemitimages.com/p/5bEGgqZEHBMe6s3wiPgGLGMfvig9QShSZU5pqHX1YYALSbGqJBWXyN6qzEo88sKSQfdURQm6XVBNQe3yN51MmMhxxC4jhKgA?format=match&mode=fit","https://twitter.com/elempoderat"],"app":"steemleo/0.1","format":"markdown","canonical_url":"https://www.steemleo.com/@empoderat/about-to-start-my-personal-money-saving-challenge"}
`created`	2020-01-11 18:31:03
`last_update`	2020-01-11 18:31:03
`depth`	0
`children`	0
`last_payout`	2020-01-18 18:31:03
`cashout_time`	1969-12-31 23:59:59
`total_payout_value`	2.308 HBD
`curator_payout_value`	2.092 HBD
`pending_payout_value`	0.000 HBD
`promoted`	0.000 HBD
`body_length`	2,649
`author_reputation`	262,091,878,141,505
`root_title`	"About to start my personal Money Saving Challenge"
`beneficiaries`	`[]`
`max_accepted_payout`	1,000,000.000 HBD
`percent_hbd`	10,000
`post_id`	94,302,551
`net_rshares`	17,101,557,953,517
`author_curate_reward`	""

properties (23)vote details (287)

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daan	98,691,608,156	2%
sinzzer	16,393,285,568	30%
exyle	357,920,943,503	4%
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theb0red1	48,693,138,535	30%
rangertx	62,433,841,311	30%
jungleonion	31,818,833,540	30%
mikehere	4,891,667,182	30%
realitycartoon	10,147,864,128	30%
team101	17,128,275,932	30%
rymlen	15,436,377,769	30%
elizacheng	42,392,990,690	30%
hattaarshavin	11,312,972,708	30%
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flatearth	9,125,615,867	30%
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msg768	2,544,852,060	5%
linakay	207,126,075,539	30%
pwny	27,981,519,919	30%
thelordsfinest	2,200,940,139	30%
momogrow	23,594,763,513	30%
holm	486,791,354,103	30%
opinizeunltd	5,381,955,712	30%
world-travel-pro	96,093,940,869	30%
bitrocker2020	287,127,516,475	30%
reloadbeatbox	5,638,126,865	30%
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roncoejr	306,727,224,182	30%
hotsauceislethal	13,044,020,814	30%
moemanmoesly	11,106,781,343	30%
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techken	0	0.21%
paasz	4,448,989,341	100%
imredryan	2,011,698,481	30%
exe8422	796,385,837	5%
akomoajong	6,408,024,376	30%
shebe	5,681,623,379	30%
madstacks	12,535,918,191	30%
phelimint	13,951,721,261	30%
pixelfan	5,454,869,439	0.95%
jezsmith720	0	1%
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otage	98,560,156,939	30%
commbank	179,978,603	40%
aaronleang	52,636,618,482	30%
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raj808	375,773,472,283	30%
taskmaster4450	331,568,965,659	30%
fiicjames	66,718,710,843	30%
bibkchhetri	10,622,506,793	30%
toocurious	2,328,579,481	2.85%
jaforce	10,759,336,220	30%
ekqwel22	9,583,889,642	30%
dbooster	11,982,520,466	30%
michaeljn	98,060,992,467	30%
drags	896,417,179	15%
blockbrothers	57,706,856,188	2%
tworealsolutions	11,304,537,561	30%
mattroconnor	7,350,258,290	30%
joannewong	104,819,435,218	30%
syedubair	911,128,330	30%
duane.dos	629,362,044	30%
mitchadventures	17,974,012,159	30%
californiacrypto	1,148,011,061	30%
daltono	141,401,556,544	30%
zpzn	20,370,211,117	30%
slacktmusic	4,030,901,165	30%
gandhibaba	123,634,911,313	30%
ikrahch	138,970,285,332	30%
badmusgreene	131,504,882,629	30%
gascap9000	280,137,514,577	30%
richgang	1,835,855,775	30%
leoumesh	9,633,477,734	30%
jlordc	11,476,975,544	30%
miss-travel-pro	9,811,861,047	30%
cadawg	9,139,549,593	2.1%
chryptos	10,369,753,419	30%
ufcdaily	10,366,508,298	30%
numberofthingz	875,668,102,451	30%
udezee	12,671,232,564	30%
moeenali	24,123,887,061	30%
funkymunky20000	11,492,355,877	30%
cheema1	125,562,611,313	30%
bozz	2,445,645,615	1%
damajicman3	852,307,024	30%
cryptoslo	13,101,770,181	30%
makingthebest09	1,768,948,727	30%
ceptocide555	10,241,555,862	30%
randumb	16,240,308,500	30%
wrecktangle27	122,004,031,937	30%
earlmonk	448,821,855	4%
oadissin	19,218,171,361	30%
babarakas43	16,082,119,756	30%
limelightmg	27,385,756,635	30%
fturner19	8,349,184,231	30%
rativiv	52,184,840,810	30%
avaava	16,930,373,011	30%
greendeliverence	10,886,980,960	30%
bestboom	9,156,737,318	3%
truce	507,033,035,649	30%
onepercentbetter	135,543,293,898	30%
abrockman	116,230,083,589	30%
hypersonic1	57,756,442,580	30%
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mimidee74	5,558,898,065	30%
ronaldoavelino	312,537,146,935	30%
stmdev	107,424,035	1%
pg-live-pt	11,604,921,013	30%
demondantv	17,709,981,735	30%
yameen	9,249,385,028	30%
pasie15	3,684,103,445	30%
midlet	540,491,147,062	30%
beastlybanter	25,607,419,238	30%
headcrypto	39,416,567,420	30%
tiket	9,896,393,561	30%
cryptokannon	23,084,598,119	30%
chinyerevivian	14,342,232,061	30%
lordgod	1,070,339,185	30%
softmetal	24,723,104,029	30%
rightwing670	49,664,262,603	30%
ifeoluwa88	12,393,323,462	30%
pladozero	43,877,333,317	10%
amahovac93	69,993,796,210	30%
nateaguila	195,914,632,455	8%
syedshakil	10,124,633,557	30%
merlion	9,481,627,101	30%
lagtv	95,083,544,960	30%
melissaofficial	9,484,045,806	30%
chrstnv	1,105,438,234	30%
needu	21,060,518,143	30%
byebyehamburgers	10,498,172,901	30%
hmetu	21,683,021,453	30%
joelsegovia	12,861,473,120	30%
mentalhealthguru	10,963,619,032	4%
tiffcisme	7,737,038,982	30%
emsonic	30,020,778,368	30%
lilzmom902	8,051,796,652	30%
ireenchew	23,588,300,024	30%
cryptogangz	100,208,298,116	30%
jluvs2fly	86,628,237,756	30%
jk6276	55,529,592	0.22%
lilcryptita	18,197,716,780	30%
skylinebuds	969,197,388	2%
triptolemus	11,639,019,311	3%
master1992	99,516,702,996	30%
justinchicken	3,387,204,892	30%
theexcelclub	82,521,871,355	30%
maeusenews	10,209,723,331	30%
cryptohodlgroup	29,923,021,724	30%
hiatus	9,614,320,091	30%
inature	905,667,973,905	30%
bobby.madagascar	36,351,830,718	30%
laissez-faire	26,107,314	100%
donefezy	3,778,919,499	30%
marfonso	187,183,426,102	30%
truelovemom	10,693,316,318	30%
tangela	782,224,290	15%
cryptoxicate	12,365,188,658	30%
jimbi	17,885,371,280	30%
the4thmusketeer	9,850,837,302	30%
craignow	11,649,321,759	30%
glastar	113,541,231,893	30%
theestateof.mind	141,937,175,211	30%
sbi10	120,135,512,770	24.31%
nworb	1,016,444,888,902	30%
lagtvgames	94,887,789,401	30%
ketcom	499,302,985,238	30%
edgarare1	788,288,109	2%
ferrate	17,751,247,369	30%
swiftcash	22,371,269,190	5%
bittrio	5,491,975,555	30%
steemturbo	16,710,858,890	30%
brittufq	996,707,972	30%
primeradue	2,897,035,661	3%
cryptovues	14,301,790,125	30%
e-r-k-a-n	68,458,885,791	30%
snuff1	866,831,083	30%
eternalsuccess	11,903,597,078	15%
tankometry	5,753,863,936	30%
jetometry	5,717,985,367	30%
rockstarbm	5,146,894,804	30%
maskuncoro	1,842,086,894	30%
trueexpressions	564,158,238	30%
tulwave	15,335,220,257	30%
brada2550	1,705,320,943	30%
paleotwist	5,893,805,142	30%
cryptokos	1,795,008,583	30%
hungrybear	9,857,496,724	30%
hans001	11,919,629,417	30%
c4cristi3	9,046,097,233	30%
foreversteem	2,423,596,630	30%
ravi7696	16,752,661,468	30%
ano123	24,722,420,858	30%
gharrington44	124,503,130,361	30%
cryptofiloz	204,750,539,943	30%
q-news	2,265,008,250	30%
potence	1,838,664,214	30%
olaexcel	7,379,756,263	30%
dear01	5,374,485,150	30%
coreyssteemit77	182,493,449,640	30%
backscratcher	23,911,892,772	30%
brendanweinhold	174,794,401	100%
x-tech	8,974,281,627	30%
crazydaisy	0	2.85%
red-devils	1,058,879,940	30%
itisfinished	9,102,698,312	30%
coredump	50,663,604	3%
thecryptolink	8,017,825,450	30%
moro1992	3,402,016,862	30%
dtrade	59,450,718	4%
xyzxyz	10,372,603,967	30%
newtrailers	102,078,412,379	30%
trydice	52,960,801,408	30%
likwid	624,719,522,087	2.1%
dark.light	2,810,360,491	30%
haxxdump	129,248,167	5%
kajmiere	844,601,415	30%
evanstinger	16,435,686,125	30%
ookii	19,057,532,243	30%
octalmage	19,986,156,788	30%
axeminni	0	4%
shneal	1,250,625,389	30%
fsm-liquid	10,247,254,358	4%
queengaga	49,187,811,063	100%
aekraj	10,615,196,824	30%
h-hamilton	10,877,510,751	30%
triplea.bot	1,752,460,128	4%
steem.leo	87,181,046,294	2.85%
topcryptonews	4,042,243,800	30%
jk6276.leo	42,125,119	2.27%
mindtrap-leo	169,140,363	6.6%
cn-leo	114,881,885	2%
empoderat	896,615,064,837	100%
chrono.leo	123,056,861	20%
supremebape	45,530,857,888	30%
kryptoking1	12,635,428,188	30%
midlet-yourleo	547,320,631	30%
theblvcktable	592,610,623	30%
mapxv	15,273,156,998	1.68%
l00k13	0	2.4%
dropthatcode	10,002,076,877	30%
roar2vote	0	2.1%
cryptoisa	1,984,293,562	30%
busbecq	391,329,867	25%
sbi-tokens	0	0.35%
steemer-sayu907	111,313,890,821	30%
leo.syndication	1,049,383,725	3%
drlobes	2,893,370,558	15%
busylion	227,641,712	10%
damla.leo	57,051,120	50%
organduo.leo	0	2.85%
dappinvestor	23,501,164,152	30%
kufresuwah	10,207,631,876	30%
maxuva	1,153,814,612	2.1%
maxuvb	879,817,914	2.1%
maxuvc	1,243,409,383	2.1%
maxuvd	833,568,293	2.1%
maxuve	5,729,487,631	1.47%
vxc.life	0	6%
dajigganaut	965,899,331	30%
dhanagc	97,630,252,533	30%
naej	5,038,405,800	30%
tonimontana.leo	242,716,392	6.61%
tonimontana.neo	0	0.55%
therealyme	9,179,202,043	3.6%
i2i121	625,227,315	15%
tewkenaire	6,024,343,507	30%
chibex	22,109,601,752	30%
samotrader	0	0.1%
neoxvoter	93,461,668	1.5%
creavoter	79,413,916	2%
umair-appics	10,157,141,186	30%
empoderat.leo	306,260,099	100%
bilpcoinpower	242,272,581	10%
toni.pal	0	0.89%
photosnap	10,555,467,509	30%
lbebagz	3,378,612,538	30%