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      "body": "Congratulations @xjo! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@xjo/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@xjo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=xjo)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "title": "Accelerate your wealth from your 1st paycheck",
      "body": "![unsplash.jpg](https://cdn.steemitimages.com/DQmdSdPdSEuR62Vxz9jXaJ9pWexK6bXDvw35ZfgpSAZ2TsH/unsplash.jpg) | <i>I am no online business entrepreneur, nor a professional investor, hence the tips I will give you below are the ways I have used to dramatically increase my wealth in the past 20 years (I am now 40) based on common sense, experience, yet no specific entepreneurship/venture. Hope this will help.</i>\n-|-|\n* ## Learn how to spend wisely\nFrom the day I got my first pay check, I started to record my earnings and expenses on a software.\nI usually record these at the end of each month when I receive my statements.\nThanks to this I started to understand my spending habits, opportunities for savings, as well as watch my savings grow.\n\n* ## Allocate a portion of savings to Bonds mainly and a bit in stocks\nAs an example, out of the money I have put on the stock market, 70% are in Bonds and 30% in stocks.\nThe bonds I use are government based and fast growing technology caps. The stocks I hold are mainly in the medical equipment space (population in developed countries is getting older…;-)\nThe securities I have chosen have been for 10-20 years (the first bonds I bought I was 22, I am now 40) steadily growing. Over 20 years I have tripled my gains. \n\n* ## Explore invoice financing\nWhen I was a student, I learnt that invoice factoring has been a leading way throughout centuries to finance companies in need of immediate cash instead of waiting for the regular N30, N60, N90... days of payments. About 2 years ago I identified online platforms that enable online invoice financing. I basically select the type of companies I wish to finance, and then choose the number of days I want to finance invoices. Being risk averse, I usually select 30 days financing; still, it gives me a yearly average 7-8% net return.\n\n* ## Open a “smart” savings account\nWherever you are in the world, just shop around, different interests rates are offered from an account type and bank to another, in your respective country. As an example, I found an account where I can lock my savings for a few months and make a 2% interest rate as of 2018. \n\n* ## Use a credit card to save money!\nI have 2 credit cards however, I never, ever use them as a financing method. I always pay my dues before the deadline hence I owe the bank nothing. I have selected these cards because they give me 10-20% discount selected restaurants, stores etc.as well as airlines points (I fly once a year long-haul flights for free thanks to my points).\n\n* ## Buy your home ASAP\nThis is very simple math, when you are a tenant, the money you spend on your rental is forever gone. Period.\nIn 20 years I have heard people being tenant of their home and buying outside property to rent it out! This is what I call a 0 sum game. \nLet’s say after 10 years your home value has not increased a dime or even let’s say lost 10%  (or less or more) of its original value, you still saved significant money on the rent your did not spend. \nBuild a business case (financial model) on xls, make your calculation.\n\n* ## Buy an additional property to rent it out\nOnce I had saved enough money after buying my home, I earned additional passive income (in addition to bonds) by buying a couple of studios in well located/high demand neighborhoods. Remember, the lower the property size the high the return.\n\n* ## Explore #cryptocurrencies\nI have invested 5% of my savings in #crypto and I made really good money (overall tripled too) as I learnt how to exit in crash times…\nI am not a professional crypto investor, many others are; what I know is that market is low right now and I will probably re-enter the market in the next few weeks.\n\n<i>Photo by Anthony DELANOIX on [Unsplash](https://unsplash.com/photos/vmrCxMRdq58)</i>",
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