<center> [](https://3speak.tv/watch?v=josediccus/zkxcizoy) โถ๏ธ [Watch on 3Speak](https://3speak.tv/watch?v=josediccus/zkxcizoy) </center> --- In other to have a clear perspective of how to influence a new year financially, what I do is to totally review two years before the new year, reviewing them and separately working to better the actions I have consolidated rather than a total overhaul like some people totally do. In this video I cover a whole range of financial scope and why diversification is important for me, I stressed on **expenditure & spending** in 2020 and stressed on **stability** in 2021 and shy **diversification** should be the next thing. This is because of so many equations which are relative to the Nigerian economy as well as Crypto trading. I discussed my whole spending and saving process and how I would improvise on them --- โถ๏ธ [3Speak](https://3speak.tv/watch?v=josediccus/zkxcizoy)
| author | josediccus | ||||||
|---|---|---|---|---|---|---|---|
| permlink | zkxcizoy | ||||||
| category | hive-167922 | ||||||
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|---|---|---|---|---|---|
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| nanzo-scoop | 0 | 4,581,230,380 | 50% | ||
| mummyimperfect | 0 | 60,185,909,353 | 50% | ||
| theshell | 0 | 46,026,655,978 | 10% | ||
| ak2020 | 0 | 23,948,982,991 | 50% | ||
| emily-cook | 0 | 1,663,867,556 | 50% | ||
| hitmeasap | 0 | 2,882,775,302 | 40% | ||
| redpalestino | 0 | 968,500,615 | 25% | ||
| oldtimer | 0 | 10,326,554,619 | 29% | ||
| abh12345 | 0 | 319,401,505,431 | 15% | ||
| gringalicious | 0 | 167,431,175,206 | 25% | ||
| t-bot | 0 | 979,118,963 | 50% | ||
| bukiland | 0 | 1,572,707,384 | 33% | ||
| edb | 0 | 36,815,644,760 | 25% | ||
| mafeeva | 0 | 72,858,309,234 | 50% | ||
| ripperone | 0 | 1,875,927,056,297 | 28% | ||
| pouchon | 0 | 954,616,870,292 | 30% | ||
| sokha | 0 | 1,638,868,644 | 12.5% | ||
| smasssh | 0 | 1,939,424,996,061 | 50% | ||
| curly-q | 0 | 2,299,906,669 | 100% | ||
| stackin | 0 | 671,575,737 | 10% | ||
| world-travel-pro | 0 | 158,877,079,053 | 50% | ||
| steemrant | 0 | 357,909,534,159 | 40% | ||
| jassennessaj | 0 | 5,916,895,851 | 100% | ||
| arunava | 0 | 97,491,816,468 | 5% | ||
| gloglo | 0 | 26,340,470,225 | 30% | ||
| spectrumecons | 0 | 2,833,792,153,539 | 50% | ||
| jayna | 0 | 15,828,880,708 | 3% | ||
| joeyarnoldvn | 0 | 613,990,392 | 1.76% | ||
| sanjeevm | 0 | 924,857,809,788 | 100% | ||
| jasonbu | 0 | 7,436,540,378 | 11.25% | ||
| crypto-whiz | 0 | 505,009,434 | 30% | ||
| horpey | 0 | 21,398,772,331 | 30% | ||
| shanibeer | 0 | 196,884,052,913 | 12.5% | ||
| tookta | 0 | 260,935,978,514 | 100% | ||
| noboxes | 0 | 22,678,409,332 | 50% | ||
| raj808 | 0 | 13,700,994,566 | 100% | ||
| fatman | 0 | 7,237,985,517 | 2% | ||
| majes.tytyty | 0 | 47,985,684,711 | 10% | ||
| espoem | 0 | 15,550,414,301 | 5% | ||
| investegg | 0 | 77,265,581,265 | 2% | ||
| tobetada | 0 | 388,875,863,710 | 15% | ||
| bhoa | 0 | 11,964,113,307 | 100% | ||
| vegoutt-travel | 0 | 43,104,291,614 | 50% | ||
| josediccus | 0 | 984,375,351,504 | 100% | ||
| joetunex | 0 | 168,612,727,844 | 50% | ||
| snook | 0 | 108,046,680,413 | 100% | ||
| tpkidkai | 0 | 751,433,374 | 10% | ||
| andyblack | 0 | 47,315,092,779 | 50% | ||
| deepresearch | 0 | 336,821,072,986 | 29% | ||
| gandhibaba | 0 | 6,438,942,101 | 100% | ||
| tryskele | 0 | 753,147,144 | 3% | ||
| soyrosa | 0 | 148,199,952,928 | 50% | ||
| portugalcoin | 0 | 10,912,409,019 | 15% | ||
| aduragbemi | 0 | 3,285,829,684 | 100% | ||
| philnewton | 0 | 526,709,585 | 7.5% | ||
| tobias-g | 0 | 1,187,157,345 | 11.25% | ||
| adetorrent | 0 | 25,212,625,514 | 25% | ||
| irgendwo | 0 | 43,835,329,372 | 25% | ||
| beeyou | 0 | 20,175,144,358 | 100% | ||
| dwayne16 | 0 | 1,275,637,354 | 24% | ||
| talesfrmthecrypt | 0 | 30,822,499,881 | 34% | ||
| uyobong | 0 | 18,316,385,066 | 50% | ||
| ivansnz | 0 | 211,673,205,988 | 100% | ||
| prydefoltz | 0 | 154,409,083,695 | 44% | ||
| therising | 0 | 1,838,680,861,469 | 100% | ||
| rollandthomas | 0 | 2,423,452,864 | 2% | ||
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| pladozero | 0 | 31,128,675,587 | 10% | ||
| nateaguila | 0 | 416,419,681,812 | 12% | ||
| uche-nna | 0 | 119,754,427,180 | 100% | ||
| luminaryhmo | 0 | 3,297,417,387 | 100% | ||
| evegrace | 0 | 1,879,349,016 | 25% | ||
| shortsegments | 0 | 100,848,341,386 | 65% | ||
| sbi7 | 0 | 23,474,435,370 | 7.74% | ||
| goingbonkers | 0 | 34,056,964,274 | 50% | ||
| starstrings01 | 0 | 230,955,990,395 | 50% | ||
| macoolette | 0 | 33,576,623,252 | 30% | ||
| perfspots | 0 | 4,970,435,738 | 100% | ||
| naty16 | 0 | 2,078,621,277 | 5% | ||
| cosmiclemonade | 0 | 600,195,340 | 100% | ||
| nonsowrites | 0 | 25,796,375,182 | 50% | ||
| misterengagement | 0 | 787,891,228 | 13.5% | ||
| thegames | 0 | 755,280,421 | 50% | ||
| israel.israel | 0 | 2,676,680,834 | 100% | ||
| ctime | 0 | 16,263,373,580 | 2.5% | ||
| mbappe | 0 | 3,160,631,568 | 100% | ||
| scoopstakes | 0 | 14,081,577,472 | 50% | ||
| nanzo-snaps | 0 | 9,330,023,411 | 50% | ||
| dfacademy | 0 | 36,954,545,597 | 30% | ||
| hungerstream | 0 | 1,058,202,585 | 50% | ||
| helgalubevi | 0 | 3,648,904,661 | 50% | ||
| charcoalbuffet | 0 | 18,793,568,440 | 100% | ||
| maxwellmarcusart | 0 | 314,034,295,180 | 40% | ||
| burn-it-down | 0 | 607,300,427 | 30% | ||
| edipascal | 0 | 2,447,065,033 | 100% | ||
| reggaesteem | 0 | 1,544,189,784 | 21.25% | ||
| mindtrap-leo | 0 | 668,481,905 | 29% | ||
| fsc69 | 0 | 1,194,303,614 | 80% | ||
| imagenius.too | 0 | 1,717,306,484 | 50% | ||
| terminado | 0 | 11,685,527,781 | 25% | ||
| gloriaolar | 0 | 158,271,688,219 | 100% | ||
| lizzyblue2 | 0 | 9,536,662,949 | 100% | ||
| monica-ene | 0 | 26,114,013,368 | 25% | ||
| fengchao | 0 | 2,004,257,006 | 1% | ||
| reggaejahm | 0 | 88,170,579,518 | 25% | ||
| captainhive | 0 | 1,039,193,664,891 | 50% | ||
| mandate | 0 | 5,645,827,492 | 50% | ||
| notak | 0 | 747,161,957,598 | 50.1% | ||
| nikoleondas.leo | 0 | 524,145,332 | 100% | ||
| recoveryinc | 0 | 3,941,941,548 | 7.5% | ||
| sevenoh-fiveoh | 0 | 998,841,255 | 5% | ||
| tripode | 0 | 172,135,628,027 | 50% | ||
| ezrider | 0 | 1,824,508,945,208 | 30% | ||
| borniet | 0 | 5,033,663,863 | 50% | ||
| musictime2020 | 0 | 505,724,608 | 100% | ||
| curatorcat.leo | 0 | 2,855,774,309 | 80% | ||
| drax.leo | 0 | 1,614,603,373 | 10% | ||
| blukei | 0 | 2,193,745,853 | 25% | ||
| esther-emmanuel | 0 | 12,947,838,371 | 100% | ||
| zanoz | 0 | 36,492,333,876 | 45% | ||
| kenechukwu97 | 0 | 21,846,956,040 | 75% | ||
| samrisso | 0 | 4,619,956,398 | 7.5% | ||
| star.leo | 0 | 838,843,735 | 29% | ||
| selfhelp4trolls | 0 | 461,882,061,741 | 45% | ||
| tomtothetom | 0 | 2,219,620,349 | 15% | ||
| drricksanchez | 0 | 41,259,012,597 | 10% | ||
| harnah12 | 0 | 4,613,876,666 | 100% | ||
| f-35 | 0 | 3,360,090,754 | 100% | ||
| babakush | 0 | 7,129,932,975 | 100% | ||
| somniumspace | 0 | 3,371,369,888 | 100% | ||
| nftart | 0 | 73,577,939,054 | 100% | ||
| cyekmyster | 0 | 917,541,017 | 100% | ||
| cyek | 0 | 299,762,172 | 100% | ||
| ac-bot | 0 | 0 | 0.1% | ||
| pfshorts | 0 | 2,707,785,758 | 100% | ||
| hunterblaze | 0 | 512,732,510 | 100% | ||
| pishio | 0 | 281,264,156,130 | 5% | ||
| notak1 | 0 | 4,494,609,040 | 50.1% | ||
| cugel | 0 | 2,627,422,974 | 7.5% | ||
| peaq | 0 | 4,123,000,531 | 100% | ||
| listnerds | 0 | 1,324,916,493 | 15% | ||
| tfc.panda | 0 | 2,769,046,175 | 100% |
This is amazing @josediccus. You've been one of the most consistent guy I know on the steemit and hive blockchain. Some minutes into your video, I felt attacked lol. I'm basically one of those category you mentioned. In the past years, I basically see this blockchain as a means to meeting urgent needs as they arise. While that isn't entirely bad, it hinders growth on the long-run. I feel like nothing's really changed on my blog in a long time. I haven't really been intentional about stacking (hive, hbd and hive-power for the long haul. I kind of made a new resolution for the year 2022. I need to be intentional. Your activity on this blockchain @josediccus is truly remarkable and awespiring! Are you open to mentorship? Perhaps you can mentor me alongside with few others (about 2-5) on some things. Please let me know if we can connect better on WhatsApp. I believe the year is still so new and there's a lot that can be done. Thanks @josediccus for being amazing as always.
| author | aduragbemi |
|---|---|
| permlink | r54sdb |
| category | hive-167922 |
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Well, 2022 is a new year to do this differently, crypto is an industry and hive the blockchain is like an aspect of that industry, the truth is, everyone is an early adopter depending on the project they're on. You've highlighted what to so differently, it's probably a good time. I'm not that much of a mentorship guy, but you can hit me on discord to ask me anything you deem necessary. Discord handle: Josediccus#1599 Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@josediccus/re-aduragbemi-2u2dea)
| author | josediccus |
|---|---|
| permlink | re-aduragbemi-2u2dea |
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I do to I have improved my financial standing by a lot I'm hoping to invest at least 10000$ in crypto hive and other included lets hope I can make it happen
| author | aiovo |
|---|---|
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That's 10,000 wow, that's definitely a lot of money if you ask me, but it's not impossible
| author | josediccus |
|---|---|
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Thanks for sharing this.. I am glad you were able to do the overhauling.
| author | heskay |
|---|---|
| permlink | re-josediccus-202213t83318193z |
| category | hive-167922 |
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It was not an overhauling, it was more of working with what I had, like a transitioning into the new year.
| author | josediccus |
|---|---|
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Ohh my bad that means I misinterpreted the article.. thanks for the correction.. I hope this year will be a great one. Cheers
| author | heskay |
|---|---|
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Congratulations @josediccus! You have completed the following achievement on the Hive blockchain and have been rewarded with new badge(s): <table><tr><td><img src="https://images.hive.blog/60x60/http://hivebuzz.me/badges/postallweek.png"></td><td>You have been a buzzy bee and published a post every day of the week.</td></tr> </table> <sub>_You can view your badges on [your board](https://hivebuzz.me/@josediccus) and compare yourself to others in the [Ranking](https://hivebuzz.me/ranking)_</sub> <sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub> **Check out the last post from @hivebuzz:** <table><tr><td><a href="/hivebuzz/@hivebuzz/pud-202201-feedback"><img src="https://images.hive.blog/64x128/https://i.imgur.com/xQGM37X.png"></a></td><td><a href="/hivebuzz/@hivebuzz/pud-202201-feedback">Happy New Year - Feedback from the first Hive Power Up Day of 2022</a></td></tr><tr><td><a href="/hivebuzz/@hivebuzz/pud-202201"><img src="https://images.hive.blog/64x128/https://i.imgur.com/i4ysvke.png"></a></td><td><a href="/hivebuzz/@hivebuzz/pud-202201">PUD - PUH - PUM - It's all about to Power Up!</a></td></tr></table> ###### Support the HiveBuzz project. [Vote](https://hivesigner.com/sign/update_proposal_votes?proposal_ids=%5B%22199%22%5D&approve=true) for [our proposal](https://peakd.com/me/proposals/199)!
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Timing the trades is definitely hard so I think you did a great job having a emergency stash. I think having multiple sources will definitely be more helpful over time. Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@jfang003/re-josediccus-49dw6)
| author | jfang003 |
|---|---|
| permlink | re-josediccus-49dw6 |
| category | hive-167922 |
| json_metadata | {"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@jfang003/re-josediccus-49dw6"} |
| created | 2022-01-03 08:30:18 |
| last_update | 2022-01-03 08:30:18 |
| depth | 1 |
| children | 1 |
| last_payout | 2022-01-10 08:30:18 |
| cashout_time | 1969-12-31 23:59:59 |
| total_payout_value | 0.041 HBD |
| curator_payout_value | 0.042 HBD |
| pending_payout_value | 0.000 HBD |
| promoted | 0.000 HBD |
| body_length | 264 |
| author_reputation | 645,905,061,117,385 |
| root_title | "Expenditures & Savings: Why 2022 Is A Year Of Diversification For Me" |
| beneficiaries | [] |
| max_accepted_payout | 1,000,000.000 HBD |
| percent_hbd | 10,000 |
| post_id | 109,109,122 |
| net_rshares | 47,487,266,259 |
| author_curate_reward | "" |
| voter | weight | wgt% | rshares | pct | time |
|---|---|---|---|---|---|
| josediccus | 0 | 47,487,266,259 | 5% |
Multiple sources are actually great, having a little stash for emergencies are always very important as well. Because these trades don't always turn out the way we actually want them to. Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@josediccus/re-jfang003-jlp4r)
| author | josediccus |
|---|---|
| permlink | re-jfang003-jlp4r |
| category | hive-167922 |
| json_metadata | {"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@josediccus/re-jfang003-jlp4r"} |
| created | 2022-01-03 11:32:00 |
| last_update | 2022-01-03 11:32:00 |
| depth | 2 |
| children | 0 |
| last_payout | 2022-01-10 11:32:00 |
| cashout_time | 1969-12-31 23:59:59 |
| total_payout_value | 0.000 HBD |
| curator_payout_value | 0.000 HBD |
| pending_payout_value | 0.000 HBD |
| promoted | 0.000 HBD |
| body_length | 283 |
| author_reputation | 2,608,646,119,470,062 |
| root_title | "Expenditures & Savings: Why 2022 Is A Year Of Diversification For Me" |
| beneficiaries | [] |
| max_accepted_payout | 1,000,000.000 HBD |
| percent_hbd | 10,000 |
| post_id | 109,112,764 |
| net_rshares | 5,953,326,564 |
| author_curate_reward | "" |
| voter | weight | wgt% | rshares | pct | time |
|---|---|---|---|---|---|
| jfang003 | 0 | 5,953,326,564 | 8% |
This was a really insightful video @josediccus Similarly, I find that it is always better for me to transition from the known and existing model to an improved one as opposed to completely adopting a new model of doing things whether financially or otherwise. The crazy thing are those minions (agents) working to help the Feds catch people who are still transacting p2p. Oh wellโฆ We will thrive!
| author | peaq |
|---|---|
| permlink | re-josediccus-r54or5 |
| category | hive-167922 |
| json_metadata | {"tags":["hive-167922"],"app":"peakd/2021.09.1"} |
| created | 2022-01-03 09:52:21 |
| last_update | 2022-01-03 09:52:21 |
| depth | 1 |
| children | 6 |
| last_payout | 2022-01-10 09:52:21 |
| cashout_time | 1969-12-31 23:59:59 |
| total_payout_value | 0.042 HBD |
| curator_payout_value | 0.041 HBD |
| pending_payout_value | 0.000 HBD |
| promoted | 0.000 HBD |
| body_length | 400 |
| author_reputation | 64,244,878,547,796 |
| root_title | "Expenditures & Savings: Why 2022 Is A Year Of Diversification For Me" |
| beneficiaries | [] |
| max_accepted_payout | 1,000,000.000 HBD |
| percent_hbd | 10,000 |
| post_id | 109,110,767 |
| net_rshares | 47,658,420,064 |
| author_curate_reward | "" |
| voter | weight | wgt% | rshares | pct | time |
|---|---|---|---|---|---|
| josediccus | 0 | 47,471,065,360 | 5% | ||
| engage1up | 0 | 187,354,704 | 20% |
Good morning, Pearl. I always grin in satisfaction, reading your comments hahaha. Thanks for digging deep into the video. Completely adopting a new model often doesn't work and overhauling the old system for a new one isn't always the best. Nigeria itself is a crazy country and are doing anything to stop Crypto trading in Nigeria, I think traders have gotten wind of this and no longer trade with new accounts. Posted Using [LeoFinance <sup>Beta</sup>](https://leofinance.io/@josediccus/re-peaq-6gfpul)
| author | josediccus |
|---|---|
| permlink | re-peaq-6gfpul |
| category | hive-167922 |
| json_metadata | {"app":"leofinance/0.2","format":"markdown","tags":["hive-167922","leofinance"],"canonical_url":"https://leofinance.io/@josediccus/re-peaq-6gfpul"} |
| created | 2022-01-03 11:30:09 |
| last_update | 2022-01-03 11:30:09 |
| depth | 2 |
| children | 5 |
| last_payout | 2022-01-10 11:30:09 |
| cashout_time | 1969-12-31 23:59:59 |
| total_payout_value | 0.000 HBD |
| curator_payout_value | 0.000 HBD |
| pending_payout_value | 0.000 HBD |
| promoted | 0.000 HBD |
| body_length | 508 |
| author_reputation | 2,608,646,119,470,062 |
| root_title | "Expenditures & Savings: Why 2022 Is A Year Of Diversification For Me" |
| beneficiaries | [] |
| max_accepted_payout | 1,000,000.000 HBD |
| percent_hbd | 10,000 |
| post_id | 109,112,718 |
| net_rshares | 0 |
> I always grin in satisfaction, reading your comments hahaha. The feeling is indeed mutual ๐ > Completely adopting a new model often doesn't work and overhauling the old system for a new one isn't always the best. I have found this to be true and functional. > Nigeria itself is a crazy country and are doing anything to stop Crypto trading in Nigeria, I think traders have gotten wind of this and no longer trade with new accounts. The drama in this country is beyond me ๐คฃ๐คฃ๐คฃ
| author | peaq |
|---|---|
| permlink | re-josediccus-r54uyw |
| category | hive-167922 |
| json_metadata | {"tags":["hive-167922"],"app":"peakd/2021.09.1"} |
| created | 2022-01-03 12:06:36 |
| last_update | 2022-01-03 12:06:36 |
| depth | 3 |
| children | 4 |
| last_payout | 2022-01-10 12:06:36 |
| cashout_time | 1969-12-31 23:59:59 |
| total_payout_value | 0.000 HBD |
| curator_payout_value | 0.000 HBD |
| pending_payout_value | 0.000 HBD |
| promoted | 0.000 HBD |
| body_length | 479 |
| author_reputation | 64,244,878,547,796 |
| root_title | "Expenditures & Savings: Why 2022 Is A Year Of Diversification For Me" |
| beneficiaries | [] |
| max_accepted_payout | 1,000,000.000 HBD |
| percent_hbd | 10,000 |
| post_id | 109,113,477 |
| net_rshares | 209,171,949 |
| author_curate_reward | "" |
| voter | weight | wgt% | rshares | pct | time |
|---|---|---|---|---|---|
| engage1up | 0 | 209,171,949 | 20% |
Thanks for sharing ๐ฅฐ
| author | sucal |
|---|---|
| permlink | re-josediccus-r54ysf |
| category | hive-167922 |
| json_metadata | {"tags":["hive-167922"],"app":"peakd/2021.09.1"} |
| created | 2022-01-03 13:29:03 |
| last_update | 2022-01-03 13:29:15 |
| depth | 1 |
| children | 0 |
| last_payout | 2022-01-10 13:29:03 |
| cashout_time | 1969-12-31 23:59:59 |
| total_payout_value | 0.000 HBD |
| curator_payout_value | 0.000 HBD |
| pending_payout_value | 0.000 HBD |
| promoted | 0.000 HBD |
| body_length | 20 |
| author_reputation | 263,781,879,074,309 |
| root_title | "Expenditures & Savings: Why 2022 Is A Year Of Diversification For Me" |
| beneficiaries | [] |
| max_accepted_payout | 1,000,000.000 HBD |
| percent_hbd | 10,000 |
| post_id | 109,115,530 |
| net_rshares | 0 |
hiveblocks