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      "author": "steem.history",
      "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": "We all want to save money. And whether it's denying yourself that $4 latte once a week or putting off exotic family vacations, everyone has their own way of saving money.\nUse these money-saving tips to generate ideas about the best ways to save money in your everyday life.\n\n1. eliminate debt\nIf you are trying to save money through budgeting, but still carry a lot of debt, start with debt. Not convinced? Add up how much you spend to pay off your debt each month and you'll quickly see. Once you are free from paying interest on your debt, that money can easily be put into savings. A personal line of credit is just one option to consolidate the debt so that you can pay it off better.\n\n2. Set savings goals\nOne of the best ways to save money is to visualize what you are saving. If you need motivation, set savings goals along with a timeline to make it easier to save. Want to buy a house in three years with a 20% down payment? Now you have a goal and know what you will need to save each month to reach your goal. Use region savings calculators to reach your goal!\n\n3. Pay yourself first\nSet up an automatic debit from your checking account to your savings account each payday. Whether it's $50 every two weeks or $500, don't go wrong with a healthy long-term savings plan.\n\n4. Quit smoking\nNo, it's certainly not easy to quit, but if you smoke a pack and a half every day, that equates to almost $3,000 a year, you can save if you stop. According to the Centers for Disease Control, the percentage of Americans who smoke cigarettes is now below 20% for the first time since at least the mid-1960s - join the club!\n\n5. Make a \"Staycation\"\nWhile the term may be trendy, the thinking behind it is sound: instead of spending several thousand on airfare abroad, look in your own backyard for a fun vacation close to home. If you can't drive the distance, look for cheap flights in your area.\n\n6. Spend to Save\nLet's be honest, utility costs rarely decrease over time, so take control now and weatherize your home. Call your utility company and ask for an energy audit or find a certified contractor who can give you a whole-house energy efficiency overhaul. This ranges from easy improvements, such as sealing windows and doors, to installing new equipment and insulation, siding, or high-efficiency ENERGY STAR products. You can save thousands in utility costs over time.\n\n7. Utility savings\nLowering the water heater thermostat by 10 ° F can save between 3 and 5 percent in energy costs. And installing an on-demand or tankless water heater can offer up to 30 percent savings compared to a standard storage tank water heater.\n\n8. Create a utility bill\nFor most of us, keeping our savings separate from our checking account helps reduce the tendency to borrow savings from time to time. Everyone has their own method of saving money, whether it's depriving themselves of that $4 mocha latte once a week or putting off exotic family vacations.Use these money-saving tips to generate ideas about the best ways to save money in your everyday life.",
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