I remember when I was 21-22 years old and got my first job as a part time English teacher at kids' school, by the end of the month I didn't have any money saved. Up until that point, when I had no job, I was still managing just fine as I am not a big spender. So this surprised me quite a bit. I expected most of my salary would be remaining by the end of the month. And yet there I was, with an empty wallet.
And it happened again the next month, and the month after that. It doesn't matter where the money went. Not hookers, I repeat, NOT hookers!
But the lesson I learned was when you have a bit of extra cash, you're likely to go for that extra cheese and the extra patty! Maybe press the order button on that pair of leather Chelsea boots you've been eyeing online for a while!
All of these may or may not have happened to me.
I think after about 4 months, I decided to work on a plan to have a set amount saved up every sunday. (I used to get paid on sundays). I got myself a second bank account and since then I have been stashing away a set amount every 7 days. At that time it didn't really seem like much, and I was still getting that extra cheese whenever I wanted, but I realized the immensity of saving small amounts, REGULARLY after about 3 years down the line when I graduated. There was no way in my 2nd year, I could have possibly foreseen the blow of expense that comes with graduation paper works, international license exams, and not to mention moving away from a country and shipping expenses.
But the imminent expenses became more and more evident as we approached graduation and everyone started planning to move and ship stuff and deal with the ministry. Naturally, that did set of a bit of panic among most of my fellow classmates. But 3 years down the line, my regular savings weekly saved me a few sleepless nights.
Now the reason of rumbling on all these is, last Friday I was very lucky to win 50 HIVE in the BDCommunity writing contest. And guess what I did immediately the next morning?
Yeah, every last bit of what I earned! ....poof!
And then I wonder why is my stake taking so long to grow!
People who know me, knows I wanna have a decent enough stake of HIVE in maybe a years time. But I'm also against powering everything up as liquidity is very important. As dada says, if there's no liquidity, there's no value. I also need some liquidity because I'm learning to trade cryptocurrencies on the side.
And Now that I think back, it has been happening quite often. Too often for my liking. I wanna buy an expensive card, I hesitate. I look at the "spare" liquid HIVE I have in my wallet, I don't hesitate no more --__--
I do not come from a financial background where spending $7-8 on a card is acceptable. Yes, sure with my HIVE payouts, I can now afford to. But just because I can afford to, doesn't mean I have to and this is the type of spending behavior I wanna suppress.
While powering everything up would solve my "problem" of spending more than I'd like on buying cards, powering everything up in one go is scary, a bit.
But I couldn't think of any other solution. Not until this morning. Last night we worked deep into the night till 3 a.m. on our Weekly magazine Turni, which btw, is fantastic and you guys should all check it out. (Yes, I'm shilling our own magazine, duh!)
What tends to happen when we're "working" so late, is you need some fun in between! And we were chatting, cracking jokes, one thing led to another and head-clerk suggested I should rather have my username as 
And I loved it instantly and I did what any sane (?) person would do. I paid 3 HIVE to instantly create this account from https://accountcreate.bdvoter.com
I didn't know what I was going to do with that account. This morning the idea of a cold storage popped into my head while I was taking a hepatology exam and was solving a clinical scenario based on the vitamins that the liver stores! Nerd alert!
Why don't I use this new account to store Vitamins A, D and K some extra HIVE? You know, the same concept of stashing small amounts away at regular intervals and find out where I stand a couple of years down the line!
What the heck, transactions on the HIVE blockchain is instant and free, I'm going to do it! If it looks too stupid I'll just transfer them back to my main account! And the price chart of HIVE looks so deliciously disgusting, I don't think I'll be selling anything to buy stuff anytime soon!
Here we go then! I'm not yet decided on how much I will be stashing away and how often. Currently I'm getting roughly 35 HIVE a month for doing nothing! The numbers are more satisfying if I can post 3-4 times a week, whcich has proven to be difficult to say the least. So I'm not setting myself a specific number yet, but I will as soon as I have an idea of how much is flowing in on average!
I'll start off with a big chunk and maybe forget about it for a few "dues."
So why am I not using the "Hive Savings" feature you ask...? Shut up, I wanna be fancy!