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.  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.   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)  <hr><center>Posted via <a href="https://steemleo.com/">Steemleo</a> | A Decentralized Community for Investors </center>
| post_id | 83,353,692 |
|---|---|
| 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 |
| net_rshares | 17,101,557,953,517 |
| last_payout | 2020-01-18 18:31:03 |
| cashout_time | 1969-12-31 23:59:59 |
| total_payout_value | 2.308 SBD |
| curator_payout_value | 2.092 SBD |
| pending_payout_value | 0.000 SBD |
| promoted | 0.000 SBD |
| body_length | 2,649 |
| author_reputation | 27,542,287,033,381 |
| root_title | "About to start my personal Money Saving Challenge" |
| beneficiaries | [] |
| max_accepted_payout | 1,000,000.000 SBD |
| percent_steem_dollars | 10,000 |
| author_curate_reward | "" |
| voter | weight | wgt% | rshares | pct | time |
|---|---|---|---|---|---|
| trevonjb | 0 | 830,101,443,223 | 30% | ||
| gerber | 0 | 161,239,645,976 | 3% | ||
| daan | 0 | 98,691,608,156 | 2% | ||
| sinzzer | 0 | 16,393,285,568 | 30% | ||
| exyle | 0 | 357,920,943,503 | 4% | ||
| happyphoenix | 0 | 15,434,599,438 | 30% | ||
| tensaix2j | 0 | 1,091,462,411 | 30% | ||
| randomblock1 | 0 | 1,903,101,364 | 15% | ||
| theb0red1 | 0 | 48,693,138,535 | 30% | ||
| rangertx | 0 | 62,433,841,311 | 30% | ||
| jungleonion | 0 | 31,818,833,540 | 30% | ||
| mikehere | 0 | 4,891,667,182 | 30% | ||
| realitycartoon | 0 | 10,147,864,128 | 30% | ||
| team101 | 0 | 17,128,275,932 | 30% | ||
| rymlen | 0 | 15,436,377,769 | 30% | ||
| elizacheng | 0 | 42,392,990,690 | 30% | ||
| hattaarshavin | 0 | 11,312,972,708 | 30% | ||
| intrepidthinker | 0 | 96,901,589,051 | 30% | ||
| flatearth | 0 | 9,125,615,867 | 30% | ||
| sharkface | 0 | 446,135,356,970 | 30% | ||
| numpypython | 0 | 1,329,817,121 | 30% | ||
| sames | 0 | 12,214,549,122 | 30% | ||
| msg768 | 0 | 2,544,852,060 | 5% | ||
| linakay | 0 | 207,126,075,539 | 30% | ||
| pwny | 0 | 27,981,519,919 | 30% | ||
| thelordsfinest | 0 | 2,200,940,139 | 30% | ||
| momogrow | 0 | 23,594,763,513 | 30% | ||
| holm | 0 | 486,791,354,103 | 30% | ||
| opinizeunltd | 0 | 5,381,955,712 | 30% | ||
| world-travel-pro | 0 | 96,093,940,869 | 30% | ||
| bitrocker2020 | 0 | 287,127,516,475 | 30% | ||
| reloadbeatbox | 0 | 5,638,126,865 | 30% | ||
| greatvideos | 0 | 16,591,678,329 | 30% | ||
| roncoejr | 0 | 306,727,224,182 | 30% | ||
| hotsauceislethal | 0 | 13,044,020,814 | 30% | ||
| moemanmoesly | 0 | 11,106,781,343 | 30% | ||
| kenanqhd | 0 | 181,523,808,838 | 30% | ||
| techken | 0 | 0 | 0.21% | ||
| paasz | 0 | 4,448,989,341 | 100% | ||
| imredryan | 0 | 2,011,698,481 | 30% | ||
| exe8422 | 0 | 796,385,837 | 5% | ||
| akomoajong | 0 | 6,408,024,376 | 30% | ||
| shebe | 0 | 5,681,623,379 | 30% | ||
| madstacks | 0 | 12,535,918,191 | 30% | ||
| phelimint | 0 | 13,951,721,261 | 30% | ||
| pixelfan | 0 | 5,454,869,439 | 0.95% | ||
| jezsmith720 | 0 | 0 | 1% | ||
| syedumair | 0 | 98,483,056,064 | 30% | ||
| otage | 0 | 98,560,156,939 | 30% | ||
| commbank | 0 | 179,978,603 | 40% | ||
| aaronleang | 0 | 52,636,618,482 | 30% | ||
| aftabkhan10 | 0 | 14,911,626,632 | 30% | ||
| cflclosers | 0 | 18,851,034,691 | 30% | ||
| aferrell | 0 | 1,044,238,830 | 30% | ||
| accelerator | 0 | 28,572,621,379 | 2.1% | ||
| chimzycash | 0 | 17,545,292,194 | 30% | ||
| raj808 | 0 | 375,773,472,283 | 30% | ||
| taskmaster4450 | 0 | 331,568,965,659 | 30% | ||
| fiicjames | 0 | 66,718,710,843 | 30% | ||
| bibkchhetri | 0 | 10,622,506,793 | 30% | ||
| toocurious | 0 | 2,328,579,481 | 2.85% | ||
| jaforce | 0 | 10,759,336,220 | 30% | ||
| ekqwel22 | 0 | 9,583,889,642 | 30% | ||
| dbooster | 0 | 11,982,520,466 | 30% | ||
| michaeljn | 0 | 98,060,992,467 | 30% | ||
| drags | 0 | 896,417,179 | 15% | ||
| blockbrothers | 0 | 57,706,856,188 | 2% | ||
| tworealsolutions | 0 | 11,304,537,561 | 30% | ||
| mattroconnor | 0 | 7,350,258,290 | 30% | ||
| joannewong | 0 | 104,819,435,218 | 30% | ||
| syedubair | 0 | 911,128,330 | 30% | ||
| duane.dos | 0 | 629,362,044 | 30% | ||
| mitchadventures | 0 | 17,974,012,159 | 30% | ||
| californiacrypto | 0 | 1,148,011,061 | 30% | ||
| daltono | 0 | 141,401,556,544 | 30% | ||
| zpzn | 0 | 20,370,211,117 | 30% | ||
| slacktmusic | 0 | 4,030,901,165 | 30% | ||
| gandhibaba | 0 | 123,634,911,313 | 30% | ||
| ikrahch | 0 | 138,970,285,332 | 30% | ||
| badmusgreene | 0 | 131,504,882,629 | 30% | ||
| gascap9000 | 0 | 280,137,514,577 | 30% | ||
| richgang | 0 | 1,835,855,775 | 30% | ||
| leoumesh | 0 | 9,633,477,734 | 30% | ||
| jlordc | 0 | 11,476,975,544 | 30% | ||
| miss-travel-pro | 0 | 9,811,861,047 | 30% | ||
| cadawg | 0 | 9,139,549,593 | 2.1% | ||
| chryptos | 0 | 10,369,753,419 | 30% | ||
| ufcdaily | 0 | 10,366,508,298 | 30% | ||
| numberofthingz | 0 | 875,668,102,451 | 30% | ||
| udezee | 0 | 12,671,232,564 | 30% | ||
| moeenali | 0 | 24,123,887,061 | 30% | ||
| funkymunky20000 | 0 | 11,492,355,877 | 30% | ||
| cheema1 | 0 | 125,562,611,313 | 30% | ||
| bozz | 0 | 2,445,645,615 | 1% | ||
| damajicman3 | 0 | 852,307,024 | 30% | ||
| cryptoslo | 0 | 13,101,770,181 | 30% | ||
| makingthebest09 | 0 | 1,768,948,727 | 30% | ||
| ceptocide555 | 0 | 10,241,555,862 | 30% | ||
| randumb | 0 | 16,240,308,500 | 30% | ||
| wrecktangle27 | 0 | 122,004,031,937 | 30% | ||
| earlmonk | 0 | 448,821,855 | 4% | ||
| oadissin | 0 | 19,218,171,361 | 30% | ||
| babarakas43 | 0 | 16,082,119,756 | 30% | ||
| limelightmg | 0 | 27,385,756,635 | 30% | ||
| fturner19 | 0 | 8,349,184,231 | 30% | ||
| rativiv | 0 | 52,184,840,810 | 30% | ||
| avaava | 0 | 16,930,373,011 | 30% | ||
| greendeliverence | 0 | 10,886,980,960 | 30% | ||
| bestboom | 0 | 9,156,737,318 | 3% | ||
| truce | 0 | 507,033,035,649 | 30% | ||
| onepercentbetter | 0 | 135,543,293,898 | 30% | ||
| abrockman | 0 | 116,230,083,589 | 30% | ||
| hypersonic1 | 0 | 57,756,442,580 | 30% | ||
| rawn | 0 | 20,381,567,027 | 30% | ||
| mimidee74 | 0 | 5,558,898,065 | 30% | ||
| ronaldoavelino | 0 | 312,537,146,935 | 30% | ||
| stmdev | 0 | 107,424,035 | 1% | ||
| pg-live-pt | 0 | 11,604,921,013 | 30% | ||
| demondantv | 0 | 17,709,981,735 | 30% | ||
| yameen | 0 | 9,249,385,028 | 30% | ||
| pasie15 | 0 | 3,684,103,445 | 30% | ||
| midlet | 0 | 540,491,147,062 | 30% | ||
| beastlybanter | 0 | 25,607,419,238 | 30% | ||
| headcrypto | 0 | 39,416,567,420 | 30% | ||
| tiket | 0 | 9,896,393,561 | 30% | ||
| cryptokannon | 0 | 23,084,598,119 | 30% | ||
| chinyerevivian | 0 | 14,342,232,061 | 30% | ||
| lordgod | 0 | 1,070,339,185 | 30% | ||
| softmetal | 0 | 24,723,104,029 | 30% | ||
| rightwing670 | 0 | 49,664,262,603 | 30% | ||
| ifeoluwa88 | 0 | 12,393,323,462 | 30% | ||
| pladozero | 0 | 43,877,333,317 | 10% | ||
| amahovac93 | 0 | 69,993,796,210 | 30% | ||
| nateaguila | 0 | 195,914,632,455 | 8% | ||
| syedshakil | 0 | 10,124,633,557 | 30% | ||
| merlion | 0 | 9,481,627,101 | 30% | ||
| lagtv | 0 | 95,083,544,960 | 30% | ||
| melissaofficial | 0 | 9,484,045,806 | 30% | ||
| chrstnv | 0 | 1,105,438,234 | 30% | ||
| needu | 0 | 21,060,518,143 | 30% | ||
| byebyehamburgers | 0 | 10,498,172,901 | 30% | ||
| hmetu | 0 | 21,683,021,453 | 30% | ||
| joelsegovia | 0 | 12,861,473,120 | 30% | ||
| mentalhealthguru | 0 | 10,963,619,032 | 4% | ||
| tiffcisme | 0 | 7,737,038,982 | 30% | ||
| emsonic | 0 | 30,020,778,368 | 30% | ||
| lilzmom902 | 0 | 8,051,796,652 | 30% | ||
| ireenchew | 0 | 23,588,300,024 | 30% | ||
| cryptogangz | 0 | 100,208,298,116 | 30% | ||
| jluvs2fly | 0 | 86,628,237,756 | 30% | ||
| jk6276 | 0 | 55,529,592 | 0.22% | ||
| lilcryptita | 0 | 18,197,716,780 | 30% | ||
| skylinebuds | 0 | 969,197,388 | 2% | ||
| triptolemus | 0 | 11,639,019,311 | 3% | ||
| master1992 | 0 | 99,516,702,996 | 30% | ||
| justinchicken | 0 | 3,387,204,892 | 30% | ||
| theexcelclub | 0 | 82,521,871,355 | 30% | ||
| maeusenews | 0 | 10,209,723,331 | 30% | ||
| cryptohodlgroup | 0 | 29,923,021,724 | 30% | ||
| hiatus | 0 | 9,614,320,091 | 30% | ||
| inature | 0 | 905,667,973,905 | 30% | ||
| bobby.madagascar | 0 | 36,351,830,718 | 30% | ||
| laissez-faire | 0 | 26,107,314 | 100% | ||
| donefezy | 0 | 3,778,919,499 | 30% | ||
| marfonso | 0 | 187,183,426,102 | 30% | ||
| truelovemom | 0 | 10,693,316,318 | 30% | ||
| tangela | 0 | 782,224,290 | 15% | ||
| cryptoxicate | 0 | 12,365,188,658 | 30% | ||
| jimbi | 0 | 17,885,371,280 | 30% | ||
| the4thmusketeer | 0 | 9,850,837,302 | 30% | ||
| craignow | 0 | 11,649,321,759 | 30% | ||
| glastar | 0 | 113,541,231,893 | 30% | ||
| theestateof.mind | 0 | 141,937,175,211 | 30% | ||
| sbi10 | 0 | 120,135,512,770 | 24.31% | ||
| nworb | 0 | 1,016,444,888,902 | 30% | ||
| lagtvgames | 0 | 94,887,789,401 | 30% | ||
| ketcom | 0 | 499,302,985,238 | 30% | ||
| edgarare1 | 0 | 788,288,109 | 2% | ||
| ferrate | 0 | 17,751,247,369 | 30% | ||
| swiftcash | 0 | 22,371,269,190 | 5% | ||
| bittrio | 0 | 5,491,975,555 | 30% | ||
| steemturbo | 0 | 16,710,858,890 | 30% | ||
| brittufq | 0 | 996,707,972 | 30% | ||
| primeradue | 0 | 2,897,035,661 | 3% | ||
| cryptovues | 0 | 14,301,790,125 | 30% | ||
| e-r-k-a-n | 0 | 68,458,885,791 | 30% | ||
| snuff1 | 0 | 866,831,083 | 30% | ||
| eternalsuccess | 0 | 11,903,597,078 | 15% | ||
| tankometry | 0 | 5,753,863,936 | 30% | ||
| jetometry | 0 | 5,717,985,367 | 30% | ||
| rockstarbm | 0 | 5,146,894,804 | 30% | ||
| maskuncoro | 0 | 1,842,086,894 | 30% | ||
| trueexpressions | 0 | 564,158,238 | 30% | ||
| tulwave | 0 | 15,335,220,257 | 30% | ||
| brada2550 | 0 | 1,705,320,943 | 30% | ||
| paleotwist | 0 | 5,893,805,142 | 30% | ||
| cryptokos | 0 | 1,795,008,583 | 30% | ||
| hungrybear | 0 | 9,857,496,724 | 30% | ||
| hans001 | 0 | 11,919,629,417 | 30% | ||
| c4cristi3 | 0 | 9,046,097,233 | 30% | ||
| foreversteem | 0 | 2,423,596,630 | 30% | ||
| ravi7696 | 0 | 16,752,661,468 | 30% | ||
| ano123 | 0 | 24,722,420,858 | 30% | ||
| gharrington44 | 0 | 124,503,130,361 | 30% | ||
| cryptofiloz | 0 | 204,750,539,943 | 30% | ||
| q-news | 0 | 2,265,008,250 | 30% | ||
| potence | 0 | 1,838,664,214 | 30% | ||
| olaexcel | 0 | 7,379,756,263 | 30% | ||
| dear01 | 0 | 5,374,485,150 | 30% | ||
| coreyssteemit77 | 0 | 182,493,449,640 | 30% | ||
| backscratcher | 0 | 23,911,892,772 | 30% | ||
| brendanweinhold | 0 | 174,794,401 | 100% | ||
| x-tech | 0 | 8,974,281,627 | 30% | ||
| crazydaisy | 0 | 0 | 2.85% | ||
| red-devils | 0 | 1,058,879,940 | 30% | ||
| itisfinished | 0 | 9,102,698,312 | 30% | ||
| coredump | 0 | 50,663,604 | 3% | ||
| thecryptolink | 0 | 8,017,825,450 | 30% | ||
| moro1992 | 0 | 3,402,016,862 | 30% | ||
| dtrade | 0 | 59,450,718 | 4% | ||
| xyzxyz | 0 | 10,372,603,967 | 30% | ||
| newtrailers | 0 | 102,078,412,379 | 30% | ||
| trydice | 0 | 52,960,801,408 | 30% | ||
| likwid | 0 | 624,719,522,087 | 2.1% | ||
| dark.light | 0 | 2,810,360,491 | 30% | ||
| haxxdump | 0 | 129,248,167 | 5% | ||
| kajmiere | 0 | 844,601,415 | 30% | ||
| evanstinger | 0 | 16,435,686,125 | 30% | ||
| ookii | 0 | 19,057,532,243 | 30% | ||
| octalmage | 0 | 19,986,156,788 | 30% | ||
| axeminni | 0 | 0 | 4% | ||
| shneal | 0 | 1,250,625,389 | 30% | ||
| fsm-liquid | 0 | 10,247,254,358 | 4% | ||
| queengaga | 0 | 49,187,811,063 | 100% | ||
| aekraj | 0 | 10,615,196,824 | 30% | ||
| h-hamilton | 0 | 10,877,510,751 | 30% | ||
| triplea.bot | 0 | 1,752,460,128 | 4% | ||
| steem.leo | 0 | 87,181,046,294 | 2.85% | ||
| topcryptonews | 0 | 4,042,243,800 | 30% | ||
| jk6276.leo | 0 | 42,125,119 | 2.27% | ||
| mindtrap-leo | 0 | 169,140,363 | 6.6% | ||
| cn-leo | 0 | 114,881,885 | 2% | ||
| empoderat | 0 | 896,615,064,837 | 100% | ||
| chrono.leo | 0 | 123,056,861 | 20% | ||
| supremebape | 0 | 45,530,857,888 | 30% | ||
| kryptoking1 | 0 | 12,635,428,188 | 30% | ||
| midlet-yourleo | 0 | 547,320,631 | 30% | ||
| theblvcktable | 0 | 592,610,623 | 30% | ||
| mapxv | 0 | 15,273,156,998 | 1.68% | ||
| l00k13 | 0 | 0 | 2.4% | ||
| dropthatcode | 0 | 10,002,076,877 | 30% | ||
| roar2vote | 0 | 0 | 2.1% | ||
| cryptoisa | 0 | 1,984,293,562 | 30% | ||
| busbecq | 0 | 391,329,867 | 25% | ||
| sbi-tokens | 0 | 0 | 0.35% | ||
| steemer-sayu907 | 0 | 111,313,890,821 | 30% | ||
| leo.syndication | 0 | 1,049,383,725 | 3% | ||
| drlobes | 0 | 2,893,370,558 | 15% | ||
| busylion | 0 | 227,641,712 | 10% | ||
| damla.leo | 0 | 57,051,120 | 50% | ||
| organduo.leo | 0 | 0 | 2.85% | ||
| dappinvestor | 0 | 23,501,164,152 | 30% | ||
| kufresuwah | 0 | 10,207,631,876 | 30% | ||
| maxuva | 0 | 1,153,814,612 | 2.1% | ||
| maxuvb | 0 | 879,817,914 | 2.1% | ||
| maxuvc | 0 | 1,243,409,383 | 2.1% | ||
| maxuvd | 0 | 833,568,293 | 2.1% | ||
| maxuve | 0 | 5,729,487,631 | 1.47% | ||
| vxc.life | 0 | 0 | 6% | ||
| dajigganaut | 0 | 965,899,331 | 30% | ||
| dhanagc | 0 | 97,630,252,533 | 30% | ||
| naej | 0 | 5,038,405,800 | 30% | ||
| tonimontana.leo | 0 | 242,716,392 | 6.61% | ||
| tonimontana.neo | 0 | 0 | 0.55% | ||
| therealyme | 0 | 9,179,202,043 | 3.6% | ||
| i2i121 | 0 | 625,227,315 | 15% | ||
| tewkenaire | 0 | 6,024,343,507 | 30% | ||
| chibex | 0 | 22,109,601,752 | 30% | ||
| samotrader | 0 | 0 | 0.1% | ||
| neoxvoter | 0 | 93,461,668 | 1.5% | ||
| creavoter | 0 | 79,413,916 | 2% | ||
| umair-appics | 0 | 10,157,141,186 | 30% | ||
| empoderat.leo | 0 | 306,260,099 | 100% | ||
| bilpcoinpower | 0 | 242,272,581 | 10% | ||
| toni.pal | 0 | 0 | 0.89% | ||
| photosnap | 0 | 10,555,467,509 | 30% | ||
| lbebagz | 0 | 3,378,612,538 | 30% |