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      "body": "</div>\n<div class=\"text-justify\">\n\nWelcome to Steem!\n\nSteem blockchain community rewards original content. Would it be possible for you to cite the source of the image?\n\n<hr>\n\nThere are many growing communities here that you may want to join, here is the [latest list](https://steemit.com/hive-133716/@randulakoralage/list-of-steemit-communities-categorized-by-their-subjects-v4) of communities prepared by randulakoralage.\n\nFor general information about what is happening on Steem follow @steemitblog.\n<hr>\n\nHere is a post that explains everything steps by steps that will help you understand more about Steemit ecosystem, wallet security, Newcomers Achievement Program, list of tutorials, how to use tag in your post, how to claim your reward, how to exchange SBD to Steem, and many useful information. [Click here](https://steemit.com/hive-172186/@cryptokannon/notice-board-of-newcomers-community-updated-13-4-2021) to view this post.\n\n<hr>\n\n<div><p>There is a set of achievements prepared by <a href=\"/cryptokannon\">cryptokannon</a> for new comers.</p>\n<ol>\n<li><p>First go to <a href=\"https://steemit.com/trending/hive-172186\">New Comers Community</a></p></li>\n<li><p>Read <a href=\"https://steemit.com/hive-172186/@cryptokannon/achievement-tasks-resources-and-materials-newcomers-retention\">this </a> summary about achievements.</p></li>\n<li><p>First achievement is a self introduction. <a href=\"https://steemit.com/hive-172186/@cryptokannon/achievement-1-mentor-by-cryptokannon-verification-through-introduction\">THESE are  the rules</a> for the post.</p></li>\n<li><p>Likewise, you can do all achievements. You can learn about steemit related things and get rewarded as well.</p></li>\n</ol>\n\n### Important: \nYou can also participate in **Steemit Crypto Academy** course and homework tasks if you have completed till Achievement 4 tasks. Achievement Program task details are mentioned above. Also, few additional rules are,\n1. Minimum reputation of 50, at least 150 Steem Power of their own (not delegated to them) .\n2. You can do them even if you have done higher level Academy homework posts in the previous three seasons of Steemit Crypto Academy week courses.\n\nYou can read the full instructions/rule for latest **Steemit Crypto Academy** season 4 post [here](https://steemit.com/hive-108451/@steemitblog/steemit-crypto-academy-update-september-6th-2021-season-4-beginners-level-introductory-courses)\n\nRegards,\n@neerajkr03\n</div>",
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      "body": "![bbbbb.webp](https://cdn.steemitimages.com/DQmTv1ifTTgzBTp8rFxdp3Xs7f57QaPGsv3fzvT92uCrQWT/bbbbb.webp)\n\nHave you ever looked for methods, techniques, and tricks on saving money? If you were to gather them all, you’d see there are hundreds – if not thousands – to choose from. Do we really need that many? Isn’t one that actually works enough? Unfortunately, what works for one, is not an option for another. You can’t use the same approach for people with vastly different personality traits, incomes, needs, and saving goals.\n\nWhen looking at how to save money each month, many people are driven towards creative methods. The Dave Ramsey envelope system, the 52-week money challenge, and the $5 method are often mentioned as the most popular ones – but are they really as good as some online reviewers swear? Let’s dive deep, evaluate their pros and cons, and see whether any of these options are good for you!\n\n\nThe Dave Ramsey envelope system\nYou might remember Dave Ramsey from our review of the best personal budgeting books. He’s a well-known financial advisor who has been hosting his own radio show for almost three decades now (not to mention numerous books and online courses). The envelope saving system is one of his best-known tips for people around the world looking at how to save money each month and be more mindful about their spending habits.\n\nhow to save money each month: the envelope system how to save money each month: the envelope system\nThe idea is pretty simple: you divide your money into physical envelopes. Each envelope represents a spending category, and you can only spend the amount of money you’ve put inside the envelope for each category. You can have as many envelopes as you need and choose the categories according to your own monthly needs – Groceries, Gas, and Entertainment are just a few common examples. Anything that’s left in the envelopes at the end of the month cannot be used for other needs and go straight to savings!\n\n✅ Pros\nPhysically dividing your money into envelopes makes it easier for you to visualize your budget and understand how much you have left at any given point. It’s also impossible to accidentally overspend: you can’t take more from a certain envelope than you put in! Most importantly, it helps you make financial planning your monthly routine and be more conscious about the way you spend your money.\n\n❌ Cons\nThe most notable disadvantage of this method is the fact that it’s got everything to do with cash. Not only has online shopping become a routine for millions of people, but some physical stores don’t accept paper money anymore, too - and don’t even get us started on the risks of storing and carrying significant amounts of cash. It can also get tricky when you buy stuff from multiple categories at the same time – for example, how do you approach getting groceries, cosmetics, and gifts on the same trip to Target?\n\nThe 52-week money challenge\nAnother tip you can often hear when discussing how to save money each month is the 52-week money challenge – a no-fuss way to save ​​$1,378 in a year. In the first week of the year, you put in $1 into your savings. In the second, you put $2, and in the third, $3… See the pattern? A year has 52 weeks, and in the last week, you’ll add the final boost of $52 to your savings. That’s it – no bulky envelopes, complex counting systems, or harsh revisions of your daily habits. The 52-week challenge is simple enough for a kid in primary school to follow… Given they have enough money to put away, that is!\n\nhow to save money each month: 52-week money challengehow to save money each month: 52-week money challenge\n✅ Pros\nThe biggest advantage of this saving technique is the simplicity: you don’t need to track your spending or master any complex techniques, as long as you remember to put away a certain amount of money into your savings every week. Starting with small sums makes it easier to form a habit, so you’re more likely to go all the way and finish the challenge on a high note. You also know exactly what kind of sum you’re going to be left with at the end, so you can plan ahead – will it turn into a relaxing holiday or a new fancy laptop?\n\n❌ Cons\nThe issue with this method comes at the end of the year. While you only put away $10 in January and $26 in February, the December amount surpasses $200. This coincides with the holiday season when you already have a ton of extra expenses to take care of – and depending on your location, it might be the indoor heating season that often comes with hefty bills. Come to think of it, you save the least in January, though the holidays are over, the sales start, and you could definitely put more money away… but that’s not how the method works!\n\nThe $5 method\nAnother old favorite idea of how to save money each month is choosing a certain coin or banknote and saving each one you receive. Most people go with $5 – hence the name of the method – but it can be anything from a single cent to $100. The choice depends on your money habits and goals: if you never cash out and carry large sums, going for a very valuable banknote won’t make much sense, as you’ll barely get any. Putting away cents, on the other hand, would be way easier, but you won’t really save much in the end. \n\n✅ Pros\nhow to save money each month: the $5 method how to save money each month: the $5 method\nFirst of all, it’s an absolute no-brainer. You get a fiver, you put away the fiver (or any other banknote or coin of your choice). That’s it. No planning, no tracking, and no tools or systems involved make this one of the easiest ways for multiple people to save money together, too. Let’s say a family wants to save up for a new TV – everyone from a child to a granny can use the $5 method without thinking twice! It’s also not affected by emergencies or other unexpected events, as you’re not putting massive sums away at any time.\n\n❌ Cons\nJust like the Dave Ramsey envelope system, this method is based on using cash – which means it doesn’t really work when you mainly use cards or do a lot of online shopping. If you only handle paper money a few times every month, which would mean entire months might pass till you get a specific note or coin. Another strong disadvantage to consider is the impossibility of predicting your savings: at the end of the year: you might have $1,000… or you can have $10.\n\nhttps://r.honeygain.me/OFFIC599C3",
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      "body": "Hello welcome to Steemit world! \n I'm @steem.history, who is steem witness. \n This is a recommended post for you.[Newcomers Guide](https://steemitdev.com/guide/@steemitblog/steemit-a-guide-for-newcomers) and [The Complete Steemit Etiquette Guide (Revision 2.0)](https://steemit.com/steem/@steem.history/the-complete-steemit-etiquette-guide-revision-20-homage-1598425779) and, recommended community [Newcomers Community](https://steemit.com/trending/hive-172186) \n I wish you luck to your steemit activities.<center> \n \n \n https://cdn.steemitimages.com/DQmXHwdcNs5VPcBft1iSosPdHLpBNBfjuG84g3ffWhMw5JQ/image.png \n <sub>(The bots avatar has been created using https://robohash.org/)</sub> \n @steem.history \n \n ### My witness activity \n - [My aspiration for STEEM witness](https://steemit.com/hive-185836/@steem.history/my-aspiration-for-steem-witness-1601280729) \n - Provides information on Steem.  \n [Reference](https://steemit.com/trending/hive-130095) \n - Supporting the Steem project. \n [SPUD4STEEM project](https://steemit.com/trending/spud4steem) \n - Supporting the community. \n [Newcomers Community](https://steemit.com/trending/hive-172186),[Steem Sri Lanka](https://steemit.com/trending/hive-133716) ,[WORLD OF XPILAR](https://steemit.com/trending/hive-185836), [GLOBAL STEEM](https://steemit.com/trending/hive-145160), [Scouts](https://steemit.com/trending/hive-181136), [Latino Community](https://steemit.com/trending/hive-188619) \n \n ### My featured posts \n - [The Complete Steemit Etiquette Guide (Revision 2.0) -Homage](https://steemit.com/steem/@steem.history/the-complete-steemit-etiquette-guide-revision-20-homage-1598425779) \n \n [![image.png](https://cdn.steemitimages.com/DQmd7of2TpLGqvckkrReWahnkxMWH6eMg5upXesfsujDCnW/image.png)](https://steemlogin.com/sign/account-witness-vote?witness=steem.history&amp;approve=1) \n <sub>please click it!</sub> \n \n ![image.png](https://cdn.steemitimages.com/DQmWDnFh7Kcgj2gdPc5RgG9Cezc4Bapq8sQQJvrkxR8rx5z/image.png) \n <sub>(Go to https://steemit.com/~witnesses and type fbslo at the bottom of the page)</sub> \n \n </center>",
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      "body": "How does working from home affect your personal finance?\n\nThe change towards remote working has numerous benefits for both employers and employees:\n\nA more flexible work schedule\n\nNo time-consuming commute\n\nFewer office distractions\n\nA chance to create a custom environment\n\nLower (or none!) office expenses like rent or utilities\n\nHowever, it's not all roses: working from home has both advantages and disadvantages. Let's break those down, shall we?\n\n\nThe pros\n1. You cut on commuting costs\n\nBusiness Insider states that commuting to and from work daily in the US can cost you anywhere from $2,000 a year to $5,000 a year on average. Without the daily commute, you can save this amount up! Moreover, you do not have to worry about traffic jams, car repairs, or permanently overcrowded buses.\n\n2. You spend less on take-out and coffee\n\nDo you always need a coffee boost on your way to work? Or have to eat out because you forgot to pack lunch? The money spent on coffee and lunch sandwiches eats up a significant chunk of your paycheck. Working from home means you can brew your own coffee and make your own meals – which is typically not just cheaper but also way healthier.\n\n3. Spend less on childcare costs\n\nOf course, working full-time with kids running around the house isn't easy. But once you get the system going, you can do your work and save on childcare costs. Even if you need help while working from home, you can limit the number of hours or days your nanny works and save a few dollars.\n\n\nThe cons\nWorking from home can help you save a significant amount of money. However, it can affect your personal finance in a negative way too.\n\n1. Higher utility bills and equipment costs\n\nYour finances will be affected by the increase in household costs. This includes extra money spent on heating, water, electricity, and much more. Additionally, you may have to spend money on a new desk or faster Internet just to keep up with your work. \n\n2. Negative spending habits\n\nWorking from home means spending more time on the Internet... which could plunge you right into an online shopping frenzy. Spending time on your favorite shopping websites makes it easier to convince yourself that you need a reward for all your efforts.\n\n\nWorking From Home: Personal Finance Tips\n1. Save and invest\n\nWorking in your pajamas could give you a false sense of security and comfort – don't forget that you still have personal finance goals! Since you are ultimately saving on certain costs, you can put the money into a savings account or build an emergency fund. Additionally, due to a non-existant commute, you have more time on your hands: use it to research various investment options, and start earning extra money! \n\nIf you want to learn more about how you can improve your personal finances, you might be interested in the FIRE movement. Luckily, we have a whole article about it!\n\n2. Make smart passive income with Honeygain\n\nWorking from home means you have more time to focus on other aspects of your life. Focus your energy on creating multiple passive income streams – for example, look into the opportunity to earn extra money by running the Honeygain app.\n\nHoneygain uses your Internet connection as a communication point to collect publicly available information from the web, while keeping your private data completely safe. The information is then used by companies and businesses to:\n\nImprove ad ranking\n\nTest applications\n\nProtect their brands and copyrights\n\nCompare pricing\n\nPrevent ad fraud\n\n...and a lot more!\n\n\nTIP: 💸Get free money NOW – enter the 'sweetmoney' coupon code as you register, and get $5 into your Honeygain account without lifting a finger!\n\n\n3. Claim tax relief\n\nIf you work from home regularly, some countries allow you to claim tax relief for additional household costs. These can include heating, water bills, home insurance, new broadband connection, or new equipment (e.g., laptop or chair). Note that you cannot claim tax relief on expenses that aren't affected by changes in your work location, such as your mortgage or rent!\n\n4. Put extra money in a fixed deposit\n\nYou could save yourself the temptation of spending your money by putting it into a fixed deposit account. A fixed deposit is the sum of money you keep with a bank as a deposit for a fixed period against which the bank pays you a fixed rate of interest. It's a great way of making some smart passive income: you won't make a fortune... but you also won't do anything.\n\n5. Take on additional online jobs\n\nIf your job is not very demanding, you could take up an online job. You could use freelance websites and e-commerce sites to supplement your income. You can do anything from blogging or running an online store to becoming a virtual assistant. See more tips on how to earn money online as you work from home in this blog post!\n\n6. Check your spending habits\n\nIt is easy to convince yourself that you are saving more than you spend when working from home... However, it's not always the case. It's better to stay safe than sorry: try tracking the increases in your utility bills and compare them to the amount you save by staying home. Ensure you track all online purchases, and create a spending cap if you need to. \n\nWorking from home will ultimately affect your personal finances, but it doesn’t have to be a bad thing. With proper planning, you can limit your expenses, grow your savings, and make some smart passive income.\n\nIf you want to join millions of people working from home and making extra money effortlessly on the side, become a Honeygainer – and don't forget to enter the 'sweetmoney' coupon code as you register to get $5 into your Honeygain account straight away!👇\n\nhttps://r.honeygain.me/OFFIC599C3",
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