{
  "trx_id": "c6029787576172313fa6b9b9bdc3675432299486",
  "block": 35291625,
  "trx_in_block": 9,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2019-08-05T16:13:57",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "why-am-i-doing-this",
      "author": "steemitboard",
      "permlink": "steemitboard-notify-niccidod-20190805t161356000z",
      "title": "",
      "body": "Congratulations @niccidod! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@niccidod/birthday3.png</td><td>Happy Birthday! - You are on the Steem blockchain for 3 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@niccidod) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=niccidod)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
      "json_metadata": "{\"image\":[\"https://steemitboard.com/img/notify.png\"]}"
    }
  ]
}

{
  "trx_id": "b0bbf3c6dbc38874d8ba971aed01d34fc856ea57",
  "block": 24805897,
  "trx_in_block": 34,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2018-08-05T16:24:03",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "why-am-i-doing-this",
      "author": "steemitboard",
      "permlink": "steemitboard-notify-niccidod-20180805t162405000z",
      "title": "",
      "body": "Congratulations @niccidod! You have received a personal award!\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/@niccidod/birthday2.png)](http://steemitboard.com/@niccidod)  2 Years on Steemit\n<sub>_Click on the badge to view your Board of Honor._</sub>\n\n\n> Do you like [SteemitBoard's project](https://steemit.com/@steemitboard)? Then **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
      "json_metadata": "{\"image\":[\"https://steemitboard.com/img/notify.png\"]}"
    }
  ]
}

{
  "trx_id": "0d284dc29e6379fa6e38bf0f4227dc359d69be6c",
  "block": 20517123,
  "trx_in_block": 4,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2018-03-09T06:35:15",
  "op": [
    "vote",
    {
      "voter": "dtubix",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 5000
    }
  ]
}

{
  "trx_id": "0000000000000000000000000000000000000000",
  "block": 4736605,
  "trx_in_block": 4294967295,
  "op_in_trx": 0,
  "virtual_op": 9,
  "timestamp": "2016-09-06T15:18:30",
  "op": [
    "author_reward",
    {
      "author": "niccidod",
      "permlink": "re-sahirahla-re-niccidod-why-am-i-doing-this-20160807t023918421z",
      "sbd_payout": "0.011 SBD",
      "steem_payout": "0.000 STEEM",
      "vesting_payout": "47.371918 VESTS"
    }
  ]
}

{
  "trx_id": "0000000000000000000000000000000000000000",
  "block": 4716468,
  "trx_in_block": 4294967295,
  "op_in_trx": 0,
  "virtual_op": 2,
  "timestamp": "2016-09-05T22:30:09",
  "op": [
    "author_reward",
    {
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "sbd_payout": "1.533 SBD",
      "steem_payout": "0.000 STEEM",
      "vesting_payout": "5779.937246 VESTS"
    }
  ]
}

{
  "trx_id": "2ec90bd668c365e2dfb4945a800d75a63d0096a7",
  "block": 4617906,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-09-02T12:09:15",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "do-i-really-need-an-emergency-fund",
      "author": "irit",
      "permlink": "re-do-i-really-need-an-emergency-fund",
      "title": "",
      "body": "I upvote U",
      "json_metadata": "{}"
    }
  ]
}

{
  "trx_id": "ffc56faa39bae8d18f6bd2e395cfdc6a18dc42c8",
  "block": 4617524,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-09-02T11:50:03",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "hey-super-what-are-you-doing-over-there-superannuation-tips",
      "author": "irit",
      "permlink": "re-hey-super-what-are-you-doing-over-there-superannuation-tips",
      "title": "",
      "body": "I upvote U",
      "json_metadata": "{}"
    }
  ]
}

{
  "trx_id": "20e294c27b6dbb12202f6a4a856a3ed41a620868",
  "block": 4587601,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-09-01T10:46:21",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "how-to-save-with-an-irregular-income",
      "author": "irit",
      "permlink": "re-how-to-save-with-an-irregular-income",
      "title": "",
      "body": "I upvote U",
      "json_metadata": "{}"
    }
  ]
}

{
  "trx_id": "5c44b99bd077c20ca76502b011bcd59fe341c24d",
  "block": 4587577,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-09-01T10:45:09",
  "op": [
    "vote",
    {
      "voter": "irit",
      "author": "niccidod",
      "permlink": "how-to-save-with-an-irregular-income",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "f73ae5d88da05a4530e51d92e8fccac30485d81c",
  "block": 4453999,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-27T19:09:48",
  "op": [
    "vote",
    {
      "voter": "sahirahla",
      "author": "niccidod",
      "permlink": "re-sahirahla-re-niccidod-why-am-i-doing-this-20160807t023918421z",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "27d6db9135fbda49bbefa588e1285a1d53cef8ff",
  "block": 4007805,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-12T04:31:18",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "re-blackdiamond-re-niccidod-why-am-i-doing-this-20160807t023611856z",
      "author": "blackdiamond",
      "permlink": "re-niccidod-re-blackdiamond-re-niccidod-why-am-i-doing-this-20160812t043121235z",
      "title": "",
      "body": "thanks for the reply i appreciate it i hope i can make a good post now  thanks again",
      "json_metadata": "{\"tags\":[\"introduceyourself\"]}"
    }
  ]
}

{
  "trx_id": "0000000000000000000000000000000000000000",
  "block": 3877434,
  "trx_in_block": 4294967295,
  "op_in_trx": 0,
  "virtual_op": 4,
  "timestamp": "2016-08-07T15:18:30",
  "op": [
    "author_reward",
    {
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "sbd_payout": "0.081 SBD",
      "steem_payout": "0.000 STEEM",
      "vesting_payout": "151.509129 VESTS"
    }
  ]
}

{
  "trx_id": "1d94e455496036726bdb237772a263a9db91bf62",
  "block": 3877021,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T14:57:48",
  "op": [
    "vote",
    {
      "voter": "svamiva",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "5f0d40a1c2e11677a19a5d6aacd07f0605817298",
  "block": 3871198,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T10:04:33",
  "op": [
    "vote",
    {
      "voter": "jbridge",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "24756ea7b6cddb47a544cabab2ddf6988c3aca2d",
  "block": 3870034,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T09:06:09",
  "op": [
    "vote",
    {
      "voter": "freiheit",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "86021280ae7eb1192398a15f979d2e7fe22dc4c9",
  "block": 3864388,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T04:22:39",
  "op": [
    "vote",
    {
      "voter": "neroru",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "3c752f1591d38c9f0d6de469419455aa2c8db8c5",
  "block": 3863754,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:50:48",
  "op": [
    "vote",
    {
      "voter": "blackdiamond",
      "author": "niccidod",
      "permlink": "re-taoofsatoshi-re-niccidod-why-am-i-doing-this-20160807t023756744z",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "bfa7da604b32cad2eb0a75576e00ee5aeade6701",
  "block": 3863749,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:50:33",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "re-sahirahla-re-niccidod-why-am-i-doing-this-20160807t023918421z",
      "author": "blackdiamond",
      "permlink": "re-niccidod-re-sahirahla-re-niccidod-why-am-i-doing-this-20160807t035032889z",
      "title": "",
      "body": "i have spend years playing pets for no earnings so i think this its great but honestly i am still so new in this site and i believe many as me will appreciate your experience how to make money here not just me please guys dont be cruel and give all your advises",
      "json_metadata": "{\"tags\":[\"introduceyourself\"]}"
    }
  ]
}

{
  "trx_id": "2409abc2837ab9e6be1b9efecf43b6929a1bdb7f",
  "block": 3863716,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:48:54",
  "op": [
    "vote",
    {
      "voter": "blackdiamond",
      "author": "niccidod",
      "permlink": "re-sahirahla-re-niccidod-why-am-i-doing-this-20160807t023918421z",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "92591bfa94a9a24ac104204091df1bcf6780f67b",
  "block": 3863669,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:46:33",
  "op": [
    "vote",
    {
      "voter": "blackdiamond",
      "author": "niccidod",
      "permlink": "re-blackdiamond-re-niccidod-why-am-i-doing-this-20160807t023611856z",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "c8ac53bb86a6b82866c78090062c64f3bf41d6ea",
  "block": 3863243,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:25:15",
  "op": [
    "vote",
    {
      "voter": "lordvader",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "1d89b9cfb18afcf8bed9eefecd6585b83c7edeec",
  "block": 3863238,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:25:00",
  "op": [
    "vote",
    {
      "voter": "murh",
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "weight": 3301
    }
  ]
}

{
  "trx_id": "23f5037353526c6497a043ba72042ad5d91cfcf1",
  "block": 3863226,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:24:24",
  "op": [
    "vote",
    {
      "voter": "roadscape",
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "d2a99ad4a234c6fc82c4d2885b3af0928d2c3522",
  "block": 3862965,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:11:18",
  "op": [
    "vote",
    {
      "voter": "joseph.kalu",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "b4256619031a921dc04e4515d1b3f235fdcabeee",
  "block": 3862831,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:04:33",
  "op": [
    "vote",
    {
      "voter": "james-mac",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "7d1f1215fdfd5191a95da7a48aa9f0b205b52ce2",
  "block": 3862811,
  "trx_in_block": 5,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T03:03:33",
  "op": [
    "vote",
    {
      "voter": "altoz",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "71f5a64626889a094e015a32ea33c17c0cb9625d",
  "block": 3862366,
  "trx_in_block": 4,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:41:15",
  "op": [
    "comment",
    {
      "parent_author": "blackdiamond",
      "parent_permlink": "re-niccidod-why-am-i-doing-this-20160807t021808208z",
      "author": "niccidod",
      "permlink": "re-blackdiamond-re-niccidod-why-am-i-doing-this-20160807t023611856z",
      "title": "",
      "body": "@@ -55,16 +55,18 @@\n g photos\n+ -\n  tinypic\n@@ -73,10 +73,11 @@\n .com\n- u\n+. U\n ploa\n",
      "json_metadata": "{\"tags\":[\"introduceyourself\"],\"users\":[\"blackdiamond\"]}"
    }
  ]
}

{
  "trx_id": "7530d3ef580f90d7a497ae3640b20a4447a63c97",
  "block": 3862360,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:40:57",
  "op": [
    "vote",
    {
      "voter": "adamt",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "3a5330994293e3774b92b61c893814ad7a9def96",
  "block": 3862327,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:39:18",
  "op": [
    "comment",
    {
      "parent_author": "sahirahla",
      "parent_permlink": "re-niccidod-why-am-i-doing-this-20160807t021439221z",
      "author": "niccidod",
      "permlink": "re-sahirahla-re-niccidod-why-am-i-doing-this-20160807t023918421z",
      "title": "",
      "body": "Cheers @sahirahla. I can see myself spending a lot of time with this!",
      "json_metadata": "{\"tags\":[\"introduceyourself\"]}"
    }
  ]
}

{
  "trx_id": "7fabf8b3072286eb023437a6acbbc207205b64da",
  "block": 3862324,
  "trx_in_block": 3,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:39:09",
  "op": [
    "vote",
    {
      "voter": "chaospoet",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "401177d8b5542b9b2d8a416fc4c45b517d46d974",
  "block": 3862300,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:37:57",
  "op": [
    "comment",
    {
      "parent_author": "taoofsatoshi",
      "parent_permlink": "re-niccidod-why-am-i-doing-this-20160807t021755582z",
      "author": "niccidod",
      "permlink": "re-taoofsatoshi-re-niccidod-why-am-i-doing-this-20160807t023756744z",
      "title": "",
      "body": "Thanks @taoofsatoshi!",
      "json_metadata": "{\"tags\":[\"introduceyourself\"],\"users\":[\"taoofsatoshi\"]}"
    }
  ]
}

{
  "trx_id": "b4f9e086d171cb4bd5766f4510c5c18220e6f34d",
  "block": 3862265,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:36:12",
  "op": [
    "comment",
    {
      "parent_author": "blackdiamond",
      "parent_permlink": "re-niccidod-why-am-i-doing-this-20160807t021808208z",
      "author": "niccidod",
      "permlink": "re-blackdiamond-re-niccidod-why-am-i-doing-this-20160807t023611856z",
      "title": "",
      "body": "Sure @blackdiamond . This is a great site for shrinking photos tinypic.com upload you photo and choose the direct link for layouts option. Then copy and paste it into your post",
      "json_metadata": "{\"tags\":[\"introduceyourself\"],\"users\":[\"blackdiamond\"]}"
    }
  ]
}

{
  "trx_id": "97d40bc7cd747541b5a55358008ac08d210b755c",
  "block": 3862154,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:30:36",
  "op": [
    "vote",
    {
      "voter": "cjclaro",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "2517edaa3b7c34e287d405f3677f1bdf76bbe161",
  "block": 3862109,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:28:18",
  "op": [
    "vote",
    {
      "voter": "niccidod",
      "author": "bridgetbunchy",
      "permlink": "i-was-stoked-to-see-see-my-photo-appear-under-hot-on-steemit-last-night-that-was-until-i-realised-it-wasn-t-my-post",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "fb6eb2ddd1bfa34729c8b2abee4af31e48de1a39",
  "block": 3862086,
  "trx_in_block": 5,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:27:09",
  "op": [
    "vote",
    {
      "voter": "rawnetics",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "edae3146c454842748fffd99c739d44b1663c0f5",
  "block": 3861926,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:19:09",
  "op": [
    "vote",
    {
      "voter": "steemedbroccoli",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "55a5425111c15e7093ac49e5af9a73e6f853f933",
  "block": 3861906,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:18:09",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "why-am-i-doing-this",
      "author": "blackdiamond",
      "permlink": "re-niccidod-why-am-i-doing-this-20160807t021808208z",
      "title": "",
      "body": "welcome to steem it but i think am more new than you cause i stilld dont know how to paste a picture and also how to earn even pennies as i seen it in your post \ni upvote you",
      "json_metadata": "{\"tags\":[\"introduceyourself\"]}"
    }
  ]
}

{
  "trx_id": "d3cb97432177bd03c86359b4866c89ee10dbd38d",
  "block": 3861901,
  "trx_in_block": 5,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:17:54",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "why-am-i-doing-this",
      "author": "taoofsatoshi",
      "permlink": "re-niccidod-why-am-i-doing-this-20160807t021755582z",
      "title": "",
      "body": "Crypto is a great start to financial freedom. You can be the bank. You control the funds. The government cannot dilute your earnings through reckless money printing leading to inflation. You are on the right track here earning crypto. Cheers, and welcome to Steemit, @niccidod!",
      "json_metadata": "{\"tags\":[\"introduceyourself\"],\"users\":[\"niccidod\"]}"
    }
  ]
}

{
  "trx_id": "ae5babbfbfbd0d9d1a719ffed4130f46c9cace60",
  "block": 3861881,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:16:54",
  "op": [
    "vote",
    {
      "voter": "blackdiamond",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "5e37d75af2efc7b740fc0b7fb90158cf13107a56",
  "block": 3861869,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:16:18",
  "op": [
    "vote",
    {
      "voter": "taoofsatoshi",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "5c72d9f50d54f76659075f0d60f491f2e3363778",
  "block": 3861836,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:14:39",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "why-am-i-doing-this",
      "author": "sahirahla",
      "permlink": "re-niccidod-why-am-i-doing-this-20160807t021439221z",
      "title": "",
      "body": "Welcome to Steemit!",
      "json_metadata": "{\"tags\":[\"introduceyourself\"]}"
    }
  ]
}

{
  "trx_id": "fd81fd9456aa48d175cfba689d184827fe6f4a2c",
  "block": 3861822,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:13:57",
  "op": [
    "vote",
    {
      "voter": "deejayehn",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "8e73ad252532ee6514624f1f18bb3ccf6a43865d",
  "block": 3861812,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:13:27",
  "op": [
    "vote",
    {
      "voter": "sahirahla",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "15ca650ed942b8fb777edcad8f1f854ec956d609",
  "block": 3861768,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:11:15",
  "op": [
    "comment",
    {
      "parent_author": "",
      "parent_permlink": "introduceyourself",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "title": "Why Am I Doing This?",
      "body": "@@ -96,12 +96,9 @@\n er. \n-do l\n+L\n ike \n",
      "json_metadata": "{\"tags\":[\"introduceyourself\",\"personalfinance\",\"aboutme\",\"money\"],\"image\":[\"http://i65.tinypic.com/2nby7pd.jpg\"]}"
    }
  ]
}

{
  "trx_id": "9f3ec43e9389d39cff2cc13c3532fb956b3619bf",
  "block": 3861742,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:09:57",
  "op": [
    "vote",
    {
      "voter": "jackkang",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "d1b09e2690c969fa0a76ac7e9e1255a4ca1e2518",
  "block": 3861738,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:09:45",
  "op": [
    "vote",
    {
      "voter": "niccidod",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "d1b09e2690c969fa0a76ac7e9e1255a4ca1e2518",
  "block": 3861738,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-07T02:09:45",
  "op": [
    "comment",
    {
      "parent_author": "",
      "parent_permlink": "introduceyourself",
      "author": "niccidod",
      "permlink": "why-am-i-doing-this",
      "title": "Why Am I Doing This?",
      "body": "http://i65.tinypic.com/2nby7pd.jpg\nSo, why am I doing this?\nThe big 3 0 is just around the corner. do like most with one year left of their 20s, I’m starting to look at my life and think what am I actually doing? I have a partner, who I love, and a car… Yep that’s it. I think I might have been a tiny bit obsessed with career and socialising to focus on anything else really. But, let’s be honest, they’re pretty important things! I noticed that most of my friends are in the exact same situation.\n\nSo for the first time in my life I started to think seriously about my future. Learning words like ‘assets’ and ‘liabilities’. I wanted to take control of my finances and my future. So I became obsessed with educating myself.\n\nFor 10 years I have had the same dream; to earn enough money to volunteer overseas, for a few months each year. \n\nThis will always be my main goal, but now I also want to help others to be financially educated, achieve financial freedom and recognise how good giving is for the soul. I am dedicated to this.",
      "json_metadata": "{\"tags\":[\"introduceyourself\",\"personalfinance\",\"aboutme\",\"money\"],\"image\":[\"http://i65.tinypic.com/2nby7pd.jpg\"]}"
    }
  ]
}

{
  "trx_id": "43c6a225e8ce9f36b185178ccdd0b5f98de69720",
  "block": 3847343,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T14:08:15",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "how-to-get-rich-with-an-irregular-income",
      "author": "vrdad",
      "permlink": "re-niccidod-how-to-get-rich-with-an-irregular-income-20160806t140828870z",
      "title": "",
      "body": "Irregular pay is no different than regular pay when it comes to getting rich. Pay off all debt, buy with cash, buy low and sell high. It's as easy as pie. It's also wiser to be a miser. \ncheers :)",
      "json_metadata": "{\"tags\":[\"money\"]}"
    }
  ]
}

{
  "trx_id": "99824475d70e99ca29cc16a4993087c46f55f727",
  "block": 3847144,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T13:58:18",
  "op": [
    "vote",
    {
      "voter": "ladypenelope1",
      "author": "niccidod",
      "permlink": "re-ladypenelope1-re-niccidod-how-to-get-rich-with-an-irregular-income-20160806t104952704z",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "22c357bf0f7b6b99e9ec7ea64d0565223a3846ca",
  "block": 3843389,
  "trx_in_block": 2,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T10:49:54",
  "op": [
    "comment",
    {
      "parent_author": "ladypenelope1",
      "parent_permlink": "re-niccidod-how-to-get-rich-with-an-irregular-income-20160806t094519406z",
      "author": "niccidod",
      "permlink": "re-ladypenelope1-re-niccidod-how-to-get-rich-with-an-irregular-income-20160806t104952704z",
      "title": "",
      "body": "Absolutely agree! This year, in Australia, economics and financial management has been added to the high school and primary school curriculum. I'm all for financial education!",
      "json_metadata": "{\"tags\":[\"money\"]}"
    }
  ]
}

{
  "trx_id": "3b030014cf1f1950f86d40a58775dd78b86214c0",
  "block": 3842600,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T10:10:24",
  "op": [
    "vote",
    {
      "voter": "rigel",
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "7cc9272b01f9083002f61978a228b63e4474927a",
  "block": 3842102,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T09:45:18",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "how-to-get-rich-with-an-irregular-income",
      "author": "ladypenelope1",
      "permlink": "re-niccidod-how-to-get-rich-with-an-irregular-income-20160806t094519406z",
      "title": "",
      "body": "interesting - old saying save for a rainy day - always think schools should teach in last year how to manage your money , for those going off to work or college",
      "json_metadata": "{\"tags\":[\"money\"]}"
    }
  ]
}

{
  "trx_id": "670af5783949f93236137c8ad5e5e7945e7b4ea0",
  "block": 3842067,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T09:43:33",
  "op": [
    "vote",
    {
      "voter": "ladypenelope1",
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "89e9e6cce80e9250b54a82101659ef7c39cce84b",
  "block": 3842029,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T09:41:39",
  "op": [
    "vote",
    {
      "voter": "lukeec",
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "d4af2378e3f28435d1bf03bc6defc1be3e95c21d",
  "block": 3842027,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T09:41:33",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "how-to-get-rich-with-an-irregular-income",
      "author": "lukeec",
      "permlink": "re-niccidod-how-to-get-rich-with-an-irregular-income-20160806t094136195z",
      "title": "",
      "body": "You are right!",
      "json_metadata": "{\"tags\":[\"money\"]}"
    }
  ]
}

{
  "trx_id": "7997fa958b31d22c01e9740b602c8e4ea04835ab",
  "block": 3841973,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T09:38:51",
  "op": [
    "vote",
    {
      "voter": "niccidod",
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "7997fa958b31d22c01e9740b602c8e4ea04835ab",
  "block": 3841973,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T09:38:51",
  "op": [
    "comment",
    {
      "parent_author": "",
      "parent_permlink": "money",
      "author": "niccidod",
      "permlink": "how-to-get-rich-with-an-irregular-income",
      "title": "How to get rich with an irregular income",
      "body": "I was chatting to my sister and she asked me “how do I save if I don’t have a steady income?” Good question, I thought. Not everyone has a steady income and, consequently, planning for your finances can seem a bit tricky. So how do you make your money work for you if you don't have a steady flow of cash?\n\nWe have all heard the infamous words “pay yourself first”. This advice shouldn’t be ignored but this isn’t so simple for everyone. Many of us have our super and taken out of our pay automatically. Some even have salary sacrifice for cars, laptops etc. This can’t be done by people who earn their money in irregular lump sums. So it takes some backwards planning. By this I mean looking at your spending before your income. Oh and you will need a calculator for this. Because in a stroke of genius (very rare, and I'm sure debatable), I discovered it’s all about percentages.\n\nI know it sounds annoying, but I recommend tracking your spending for two to four weeks. Use an app like HomeBudget for iPhone/iPad. It’s much easier! You don’t want to do this forever (well you might you weirdo) but if you get a good idea of your monthly expenses, at least you’ve got something to work with. Ideally, you want to get a rough idea of how much you spend on groceries, utilities, entertainment, rent/mortgage, transportation, insurance. From here, you allocate an amount for super, emergency fund, debt reduction (goes straight onto the credit card and savings account.\n\nBut how much?\n\nOnce you work out how much you spend per month, average it out so that you can give yourself a weekly spending ‘allowance’. Remember the goal here is to have a healthy savings amount in the bank, so be smart about your allowance so that you stick to it. It has to be effective but realistic. Here is where you can cut down on unnecessary things. You’ll be amazed at the difference small changes can make. You want to be really strict with sticking to this amount, so make sure have budgeted for entertainment. It could be going out for dinner with the girls or getting a bottle of wine and a pizza for you to enjoy at home, alone on the couch. Both are great things 😉\n\nNow that you’ve worked out your expenses, you will have a much clearer understanding of how much you can save. So let’s look at how much should go where.\n\nSuper:\n\nI recommend transferring at least 10% of each payment you get into your super account. Legally, employers have to put in at least 9.5% of their employers salaries into a superannuation fund. Stick to the 9.5 if you have to now, there’s no problem with this. You can always add more to it when things are more stable. If you are earning irregular income, chances are you will have to choose your super fund yourself. A little bit of research goes a long way, as not all super funds are the same. There are a number of super comparison sites to help guide you:\n\nCanstarCannex\n\nChantWest\n\nSelectingSuper\n\nNeed an incentive? Many self employed people can claim full tax deduction when paying their own super 🙀. What are you waiting for???\n\n \n\nEmergency savings account:\n\nHaving at least three months expenses in an emergency fund is a must; especially for people who have irregular incomes. Most financial advisors recommend six month, which I agree with. To be honest, and I’ve said this before, this amount is completely different for everyone. It’s all based on what you earn and what you are used to spending. See, there was a point to tracking your expenses!\n\nAfter you’ve done this, you will need to establish if it is better for you to put booster chunks of money into your emergency fund or grow it over time. Again, you have to choose the option that is most suitable for you. Many may only be able to put away 10% each time you get paid, whereas others can do 30%. Again, just make sure it’s realistic and effective.\n\nNow what I’m about to say may be a bit controversial, BUT… You are allowed to dip into your emergency fund. Yep I said it. Only if you repay the amount to yourself with your next bits of income. If you have weeks without work you will need this money to live off. Be flexible and just keep that three or six months expenses amount as you target.\n\nWhy not just leave it in your spendings account? Because you won’t earn interest and it’s way too tempting. Simple.\n\nDebt Reduction:\n\nObviously you need to make your minimum monthly repayments, but getting rid of that debt should be your number one priority. When you workout your expenses, factor in your minimum repayments x2. If you are seriously skint (and I mean seriously) try to go x1.5.\n\nIf you find that you have any extra money, paying off your debt should be your absolute first priority. Paying interest instead of earning interest is not ideal!\n\nFun savings account:\n\nBy far the best savings account. The is the one you get to use for a house deposit, holiday, car, whatever! Once you have paid off your debt, and have a decent amount in your emergency fund, you can start saving for the fun stuff. If you have just finished paying off your debt, do a direct swap. Instead of paying the banks, you can pay yourself! How ridiculously satisfying! If you didn’t have debt, it’s really up to you what percentage of your income you want to save. I would recommend at least %10, but it totally depends on your circumstances. As long as you put something aside each time you get paid, you’ll be on the right track.\n\nIn order for this to work, use separate accounts for each. Heck, get a bloody account just for bills if you want to! This way you can take regular payments even if the income isn’t so regular. Internet banking makes this so easy. Choose savings accounts that don’t charge fees and give a decent amount of interest (remember, you want your money to work for you! Not rip you off!).\n\nLook, above all, just ensure you always have enough money for wine and chocolate.",
      "json_metadata": "{\"tags\":[\"money\",\"saving\",\"rich\",\"finance\",\"\"]}"
    }
  ]
}

{
  "trx_id": "d0c914cce56c8a5269b843cd5bd2c70b8442636f",
  "block": 3833761,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-06T02:46:39",
  "op": [
    "vote",
    {
      "voter": "niccidod",
      "author": "infovore",
      "permlink": "how-steemit-has-changed-my-life-from-living-on-usd1-day-and-3-hours-of-electricity-to-having-over-usd41-319",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "e872b4ddb536dcb27c88dc96dad1e61bb7411bab",
  "block": 3829548,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T23:14:30",
  "op": [
    "vote",
    {
      "voter": "niccidod",
      "author": "niccidod",
      "permlink": "do-i-really-need-an-emergency-fund",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "e872b4ddb536dcb27c88dc96dad1e61bb7411bab",
  "block": 3829548,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T23:14:30",
  "op": [
    "comment",
    {
      "parent_author": "",
      "parent_permlink": "money",
      "author": "niccidod",
      "permlink": "do-i-really-need-an-emergency-fund",
      "title": "Do I really need an emergency fund?",
      "body": "So many people have different opinions about how and when to start an emergency fund. Some debate whether it is necessary at all. I personally think paying off debt (apart from a home loan) is paramount. Every single spare cent should go into paying off those debts, whilst living well below your means. Sorry, but no ifs or buts about it. Once this is done, you need an emergency fund. \nThe reason I recommend having an emergency fund is to not only have a safety net for when crap hits the fan, but also so that, mentally, you can relax knowing your covered. So many people trick themselves into thinking “it will never happen to me,” until it does happen. P.S. Is it really that bad to have money sitting in an account earning interest for you? Ah, no.\n\nStart with $1000 and build it to six months worth of expenses. If you can only put away $10 a week, do it. The key is to just get started. It’s so easy to say, “I only have a tiny bit of money so what’s the point?” The point is to get the ball moving. Soon you will see that you could probably give up those two coffees once a week just while you start. Hey, presto! You’ve doubled the amount you are able to transfer into your emergency fund.\n\nStruggle to keep disciplined? Automate it and forget about it. With the wonders of internet banking, setting up automatic future transfers is simple. You don’t need to go into a bank. You don’t need to call anyone and wait for three hours listening to incredible elevator music that plays in your head for days later. You can just log in online (whilst eating a block of chocolate) and set up future transfers. Once it’s done, it’s done. The great thing is that you can up this at anytime or add to it at anytime.\n\nOnce you have achieved this $1000 or you are in a position to find $1000 easy, I want you to transfer $250 into your emergency savings account for four weeks. Do not touch it unless it is a real emergency!\n\nNow you have a decent starter emergency fund. We need to have another look at the amount we have set up to be automatically transferred. You may be better at budgeting now or able to give up little luxuries easier, so now you want to automatic transfer. Come up with a realistic and helpful amount to contribute regularly. Your goal is gradually increase this amount to six months worth of expenses. If you are spending $600 a week you should aim to have $15,600 in your emergency fund. Remember EVERYONE IS DIFFERENT. Work out your monthly expenses. Multiply it by 6. This is your goal.\n\nStart now!…please.",
      "json_metadata": "{\"tags\":[\"money\",\"saving\",\"finance\",\"rich\",\"cash\"]}"
    }
  ]
}

{
  "trx_id": "5ce1a566deec75184b702a84b380f964b34b507d",
  "block": 3829368,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T23:05:30",
  "op": [
    "vote",
    {
      "voter": "niccidod",
      "author": "niccidod",
      "permlink": "hey-super-what-are-you-doing-over-there-superannuation-tips",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "5ce1a566deec75184b702a84b380f964b34b507d",
  "block": 3829368,
  "trx_in_block": 0,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T23:05:30",
  "op": [
    "comment",
    {
      "parent_author": "",
      "parent_permlink": "finance",
      "author": "niccidod",
      "permlink": "hey-super-what-are-you-doing-over-there-superannuation-tips",
      "title": "Hey Super! What are you doing over there?! Superannuation Tips",
      "body": "Do you know what your superannuation fund is doing?\n\nDon’t say boring!! This is really important!\n\nDid you know that 90% of women don’t have enough in their superannuation account to comfortably retire? Well that’s what the Super Guru says.\n\nI used to be the typical person you would hear saying, “It’s all about living in the now man!” Which is lovely but it’s also a good idea to think about how you will be living in the future.\n\nI recently read an article (and then another eight) about how most people have no idea what the hell is even going on with their super. About two years ago, I didn’t either. Many people assume that it is one big savings account so that when you want out of the working world, you can go on as many cruises as you like!! Well, I’m telling you now, your superannuation is not a savings account. It is an investment fund and involves risk and return.\n\nThe thing we need to understand, is that the money in those a funds is your money. Therefore, you want to know how it is being managed right? Depending on your age and income, you will be allocated an investment plan. It is really important, especially as time goes by, to check if this plan is right for you. Ask yourself if you are comfortable with the current level of risk and return that your plan provides. If not, do some research, speak to people about it and change it.\n\nLegally, employers have to put in at least 9.5% of their employers salaries into a superannuation fund. Stick to the 9.5 if you have to now, there’s no problem with this. You can always add more to it when you find you have more spare cash. I recommend setting us an automatic transfer of at least 13% of your pay. Here is a short video on how salary sacrifing extra super contributions works.\n\n\n\nNeed more clarification? Read this case study. In regards to this study, not only will you save on tax but your super account will grow faster.\n\nIf you are earning irregular income, (also read this!) chances are you will have to choose your super fund yourself. A little bit of research goes a long way, as not all super funds are the same. There are a number of super comparison sites to help guide you:\nCanstarCannex\n\nChantWest\n\nSelectingSuper\n\nI am really happy with my fund now and the level of risk and return suits me. Not all super funds are the same. So don’t be lazy and do your homework!\n\nIt’s a good idea to think about how much you think you will need for retirement. Do you plan on dividing your time between going out for breakfast at least once a week, while planning trips to Paris at your (also regular) drinks with the girls? I have to stop for a moment here. I think that may be the fourth post I’ve made including ‘drinks with the girls’. Sorry (not sorry). Or do you just want enough money in your super for a modest retirement?\n\nThe ASIC have a handy calculator to figure out how much you’ll need here. The cool thing about this calculator, is that you can look at the projected outcome for you current contributions and then make alterations to see what it would look like if you were contributing more. At the moment it looks like I have enough for a modest couple hmmm…\n\nLook, to be honest, at the moment I never want to retire. It’s not in my blood (thanks mum). But, I want to make sure that when I do, I can retire comfortably. \n\nFor the full article and links, visit ww.theprosperpousfox.com",
      "json_metadata": "{\"tags\":[\"finance\",\"money\",\"superannuation\",\"women\",\"saving\"]}"
    }
  ]
}

{
  "trx_id": "390faf950582cf836b498bab6166652078b6c30d",
  "block": 3819606,
  "trx_in_block": 9,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T14:54:54",
  "op": [
    "vote",
    {
      "voter": "sugarfromhell",
      "author": "niccidod",
      "permlink": "how-to-save-with-an-irregular-income",
      "weight": 10
    }
  ]
}

{
  "trx_id": "a3d7285faa42c8dffc139262e56148c068c7e38c",
  "block": 3819604,
  "trx_in_block": 11,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T14:54:48",
  "op": [
    "comment",
    {
      "parent_author": "niccidod",
      "parent_permlink": "how-to-save-with-an-irregular-income",
      "author": "sugarfromhell",
      "permlink": "how-to-save-with-an-irregular-income",
      "title": "",
      "body": "Dear User known as @niccidod \n Steemit has a BOT problem! Your Vote Counts... Maybe \n https://steemit.com/steemit/@weenis/bots-steemit-s-first-community-based-decision-on-bots-your-vote-counts-to-be-or-not-to-be-details-inside",
      "json_metadata": ""
    }
  ]
}

{
  "trx_id": "548f7d852eb8d3767f0555bc0ab1395f522d0c5c",
  "block": 3819592,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T14:54:12",
  "op": [
    "vote",
    {
      "voter": "niccidod",
      "author": "niccidod",
      "permlink": "how-to-save-with-an-irregular-income",
      "weight": 10000
    }
  ]
}

{
  "trx_id": "548f7d852eb8d3767f0555bc0ab1395f522d0c5c",
  "block": 3819592,
  "trx_in_block": 1,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T14:54:12",
  "op": [
    "comment",
    {
      "parent_author": "",
      "parent_permlink": "saving",
      "author": "niccidod",
      "permlink": "how-to-save-with-an-irregular-income",
      "title": "How to save with an irregular income",
      "body": "I was chatting to my sister and she asked me “how do I save if I don't have a steady income?” Good question, I thought. Not everyone has a steady income and, consequently, planning for your finances can seem a bit tricky.\n\nWe have all heard the infamous words “pay yourself first”. This advice shouldn't be ignored but this isn't so simple for everyone. Many of us have our super and taken out of our pay automatically. Some even have salary sacrifice for cars, laptops etc. This can't be done by people who earn their money in irregular lump sums. So it takes some backwards planning. By this I mean looking at your spending before your income. Oh and you will need a calculator for this. Because in a stroke of genius (very rare), I discovered it's all about percentages.\n\nI know it sounds annoying, but I recommend tracking your spending for two to four weeks. Use an app like HomeBudget for iPhone/iPad. It's much easier! You don't want to do this forever (well you might you weirdo) but if you get a good idea of your monthly expenses, at least you've got something to work with. Ideally, you want to get a rough idea of how much you spend on groceries, utilities, entertainment, rent/mortgage, transportation, insurance. From here, you allocate an amount for super, emergency fund, debt reduction (goes straight onto the credit card and savings account.\n\nBut how much?\n\nOnce you work out how much you spend per month, average it out so that you can give yourself a weekly spending ‘allowance’. Remember the goal here is to have a healthy savings amount in the bank, so be smart about your allowance so that you stick to it. It has to be effective but realistic. Here is where you can cut down on unnecessary things. You’ll be amazed at the difference small changes can make. You want to be really strict with sticking to this amount, so make sure have budgeted for entertainment. It could be going out for dinner with the girls or getting a bottle of wine and a pizza for you to enjoy at home, alone on the couch. Both are great things 😉\n\nNow that you've worked out your expenses, you will have a much clearer understanding of how much you can save. So let's look at how much should go where.\n\nSuper:\n\nI recommend transferring at least 10% of each payment you get into your super account. Legally, employers have to put in at least 9.5% of their employers salaries into a superannuation fund. Stick to the 9.5 if you have to now, there's no problem with this. You can always add more to it when things are more stable. If you are earning irregular income, chances are you will have to choose your super fund yourself. A little bit of research goes a long way, as not all super funds are the same. There are a number of super comparison sites to help guide you:\n\nCanstarCannex\n\nChantWest\n\nSelectingSuper\n\nNeed an incentive? Many self employed people can claim full tax deduction when paying their own super 🙀. What are you waiting for???\n\n \n\nEmergency savings account:\n\nHaving at least three months expenses in an emergency fund is a must; especially for people who have irregular incomes. Most financial advisors recommend six month, which I agree with. To be honest, and I've said this before, this amount is completely different for everyone. It's all based on what you earn and what you are used to spending. See, there was a point to tracking your expenses!\n\nAfter you've done this, you will need to establish if it is better for you to put booster chunks of money into your emergency fund or grow it over time. Again, you have to choose the option that is most suitable for you. Many may only be able to put away 10% each time you get paid, whereas others can do 30%. Again, just make sure it's realistic and effective.\n\nNow what I'm about to say may be a bit controversial, BUT… You are allowed to dip into your emergency fund. Yep I said it. Only if you repay the amount to yourself with your next bits of income. If you have weeks without work you will need this money to live off. Be flexible and just keep that three or six months expenses amount as you target.\n\nWhy not just leave it in your spendings account? Because you won't earn interest and it's way too tempting. Simple.\n\nDebt Reduction:\n\nObviously you need to make your minimum monthly repayments, but getting rid of that debt should be your number one priority. When you workout your expenses, factor in your minimum repayments x2. If you are seriously skint (and I mean seriously) you can go x1.5.\n\nIf you find that you have any extra money, paying off your debt should be your absolute first priority. Paying interest instead of earning interest is not ideal!\n\nFun savings account:\n\nBy far the best savings account. The is the one you get to use for a house deposit, holiday, car, whatever! Once you have paid off your debt, and have a decent amount in your emergency fund, you can start saving for the fun stuff. If you have just finished paying off your debt, do a direct swap. Instead of paying the banks, you can pay yourself! How ridiculously satisfying! If you didn't have debt, it's really up to you what percentage of your income you want to save. I would recommend at least %10, but it totally depends on your circumstances. As long as you put something aside each time you get paid, you’ll be on the right track.\n\nIn order for this to work, use separate accounts for each. Heck, get a bloody account just for bills if you want to! This way you can take regular payments even if the income isn't so regular. Internet banking makes this so easy. Choose savings accounts that don’t charge fees and give a decent amount of interest (remember, you want your money to work for you! Not rip you off!).\n\nLook, above all, just ensure you always have enough money for wine and chocolate.",
      "json_metadata": "{\"tags\":[\"saving\",\"finance\",\"superannuation\",\"money\",\"smart\"]}"
    }
  ]
}

{
  "trx_id": "6623d9fa2c2da6baf985829206c5bcec025eb1c7",
  "block": 3819474,
  "trx_in_block": 7,
  "op_in_trx": 0,
  "virtual_op": 0,
  "timestamp": "2016-08-05T14:48:15",
  "op": [
    "account_create",
    {
      "fee": "3.000 STEEM",
      "creator": "steem",
      "new_account_name": "niccidod",
      "owner": {
        "weight_threshold": 1,
        "account_auths": [],
        "key_auths": [
          [
            "STM6n7NthKdUMBrGArqB1Jzrq6ZkeJbMgUk3LC4KrfEGc2G3piqq2",
            1
          ]
        ]
      },
      "active": {
        "weight_threshold": 1,
        "account_auths": [],
        "key_auths": [
          [
            "STM7xcmMmuHZhLKbLKLHQdF9PxC3HZBwzz25X3d4mAWyBb7hftTv7",
            1
          ]
        ]
      },
      "posting": {
        "weight_threshold": 1,
        "account_auths": [],
        "key_auths": [
          [
            "STM6WA369p9wwKtT8yxfuXfLJBLcS1Bs7ytMAGb4xcz9NsqqXK7Rq",
            1
          ]
        ]
      },
      "memo_key": "STM5wE8BmW55P3QfqbwR52cnUuKq56EjTbufCMQiunJ2x8Akvn8fH",
      "json_metadata": ""
    }
  ]
}