![](https://steemitimages.com/DQmNhLu4Jw1Qxam8FhW1WPNfX4osNpRM3yrMmLfTmrsxykY/imagen.png) [source](https://staticbl.bkmcdn.com/finanzas/wp-content/uploads/2014/09/ahorro.png) Hello Friends...

One of the most important questions we have to ask ourselves is what am I going to do with my savings? Perhaps the day will come when we think of it as a magic reason to use them, but we will never know if we do not question it first and start with the search. We have reached the second step, for this moment some people must be giving vertigo, but surely none of us will happen that. In this article we will make some small recommendations about what we can do with our savings. Of course the last word has each of you, never base our decision 100% on the opinion of someone else. **Investors of birth** How to use our savings is a very important part of our lives, because it is not just about spending it, but doing so is disbursing all the time, effort and perseverance that cost us to put together that money. Investing our capital is one of the best actions we can do with our income or savings, since not only will we be saving them in a place where we can not spend them, but also they will have the opportunity to multiply. ![](https://steemitimages.com/DQmWHxokc7mjxadnAu2ffbfybeHD2Bq2VF2vnpa6UDFP3QP/imagen.png) [source](https://ilia.cat/wp-content/uploads/2016/02/el-ahorro-fiscal-800x423.jpg) Knowing how to invest can provide us with income even though we are asleep. Within our arduous day of research, we find many people who bet on investment to find financial freedom. That means, that your income is higher than your expenses and thus be able to carry out activities that you want, all without having to work in a very strict working schedule. **But enough to babble and begin to break down the basics to invest:** * **Actives and pasives** At this point, we must know that we all have the ability to spend money, we do not need a diploma to squander our salary, how we do it is what makes the difference. Although we have not realized, all our expenses are divided into two, passive and active. Assets represent a very important role in our economic trajectory, they are those that come to make sense of the word investment, but we will see it later. Sure we have heard these words in many contexts, the financial world is not saved from them. Only that it can become a bit confusing, since all our life we have heard: "You have to generate passive income, so your money works" However, here we do not have to spend on liabilities ... What are you playing !? * **The liabilities, the lazy family** Suppose we are going to rent a house and we have two types of guests: 1._ A person that maybe we know and help us with all the chores of the home, where at the same time we learn many things together. 2._ We have wanted to live with that person, but then it is not as we had imagined, it is a lazy person who spends all day watching television, he lives eating and leaving the place where he goes or visits messy and dirty. ![](https://steemitimages.com/DQmWxgxpVLhepxCMrecmQZLH5ft4VtHjFNhf6zc2K7BGK9z/imagen.png) [source](http://qcosas.net/img/2014/08/personas-perezosas19.jpg) **Who is the liability?** -Yes, number 2 It sounds very easy to detect it, however, many people have stayed in the fantasy that we live with the "perfect person", that we bet and we have taken out the lottery. Ignoring all the disaster that our house is doing and the work that costs us to maintain it. It sounds terrible what we get to do our portfolio, what I can awaken us a doubt How could we confuse it with something that makes us progress? Every time we have money we can invade the feeling of wanting to spend it on luxuries disguised as needs. Where someone sees a giant house and large comfortable rooms, another person sees what they may be ignoring, the expenses to pay for electricity, water or cleaning. . An expense of this kind will do nothing more than stay there, is to return to every penny that we disburse a hindrance to our economic progress, the worst is that many times we come to confuse with assets. **Assets that work** They imagine being seated by the sea, with our loved ones (Cliché, but still very comforting). While the sunset appears, know that even in that moment of reflection and rest, we are generating income thanks to our active expenses. We can almost consider it financial freedom ... Spending our savings on assets makes the investor we carry inside flourish, there are many types of assets and different ways to use them, for now, we are going to fix our mistakes that we have already spent on liabilities Turning liabilities into assets We are being bombarded by all means with a message: "spend because you deserve it, the more expensive the better". With this, some of us have fallen thinking that if we buy a carrazo (passive expenditure) we will begin to live better. But we do not take into account the maintenance of it and end up spending more than we enjoy. How to take advantage of all the gastadera we did in our car? Convert it into a taxi, with this we do not mean to get rid of our precious car and give it to someone else to work it, which, by the way, has all the advantages of stealing it. It may be an option, but it is not so viable (unless we have a car to spare). What we can do, is to inform the places where we are going, either by Facebook or by creating a WhatsApp group, if someone has our same direction, we take it and we charge a little for gasoline. ![](https://steemitimages.com/DQmPeLAeAVKACNTnpDPVEXBaqmhg4jTchUDdpyP7B9KdBQL/imagen.png) [source](https://steemit-production-imageproxy-upload.s3.amazonaws.com/DQmS92k8p3sFumSKR4GxwtaezsZ11hFSnSjp4QxpthvdcU1) Nor should we abuse ... This is just an example that nothing is lost, although in life we have made passive expenses we can still get some benefit. Let's start looking around and focus on those expenses, shake our heads so that ideas flow and we find a way to turn them into assets. **Assets for a small budget** During their arduous hours of research, the Emeeseese professional team watched several videos in the hope of finding a good asset that helps people who do not have so much capital to invest. However, we did not find anything solid, there were only clickbait titles, tangled chatter and deceptive infomercials. So we decided to be more objective. 1.- Cryptocurrencies: There is a great variety and learning how to deal with its volatility can help us. 2.- Mini-business: We all have a talent that we are capable of exploiting, whether we are given crafts, mathematics or a sport, and so on. We can invest in the necessary materials to offer our service in the most efficient way possible, all this trying to carry the ideology of smart work: "Same gains with the least possible effort". 3.-Us: Although, first we will not invest a large capital (to look for free courses or books to later pay), it is important to emphasize that the investment of time and effort in educating us constantly will cause us to make better decisions in the future and, Therefore, let's invest better. The latter applies from buying a book, get into a workshop or course, to allow a trip or relaxing day. Here we want to make a small parenthesis in the case of investing in a book or workshop and we have to be 100% sure of its quality, why? Thanks to the wonderful internet we can have an infinity of information at hand. ![](https://steemitimages.com/DQmRrvxHi6zF2FPThPiZEQxQmLsYYmCu8iScMbAJzGHFLzH/imagen.png) [source](https://radioemprenred.files.wordpress.com/2017/10/oriecc81ntate-31-10.png?w=508&h=329&crop=1) **Investments can be risky if we go around blindfolded by ignorance, when we invest in any asset we must first know it very well. Remember the analogy of the wedding, before getting married we should know every detail and visualize a great future with our partner.** **In case that no matter how much research we do, we do not find enough to convince ourselves, it is better to leave it aside and invest in the things that give us the most confidence.** **To be a good investor you need a long way to go, so long that you can get tired just by seeing it. Personally we know that it will not be easy, we have many books to devour, lectures to observe and many experiences that will help us improve, but it's never too late to start.**

RE: The greatest culinary experience