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Hello lovelies,how are you all doing am so happy to be here today. This week #contest is really a good one and I will love to talk about my strategy plan on my hbd.

For me when it comes to hbd, I believe is not just about spending it or saving it but using a smart strategy that combines both.

Saving HBD is really Important to me because I love the interest am getting from my savings.Saving my HBD helps me to build a stable reserve, especially for the future yes I love to think about the future not only now so saving my HBD is really good for me.

Although I love to save my HBD but I don't save all of them. Yes because spending also has it's place. Sometimes I use to use my HBD to support my needs, invest in my business or even gift myself some goodies smile. Life is not all about saving value but is also about using it wisely so I also spend some of my HBD.

This is how my strategy plan on my HBD plans is. To save a good percentage of my HBD to earn more interest. Also I keep some aside for emergencies and use a part of it actively when necessary.

I also convert my HBD to hive. Yeah I use my HBD I converted to hive to power up my hive, this has really been helping me in this great platform to grow faster, support others and also earn more through curation and engagement and also I believe that converting my HBD to hive is a good one because hive can rise anytime and it will be an advantage to me by earning more.

So in all I don't stuck in one method ,am growing my funds while still enjoying the benefits of what I earn.

HBD is really powerful especially if we use a strategy that works for us. A smart mix of saving, spending and planning makes it sweet more and this is how I have been using my HBD.