I used to save my HBD from day one (there was no such thing earlier than the APR was not that much if I do remember that correctly), not from the beginning. After the 20 % APR is live there are many users have been seen on hive who are really interested to invest in HBD. The last month's HBD Interest payout of the top 500 HBD investors [report](https://ecency.com/hive-167922/@geekgirl/hbd-interest-payouts-for-november-2022), you will be sure shocked to see that much they are getting to just save their HBD to savings. Nothing else to do. If you have no idea how to do that feel to look over [this post](https://ecency.com/hive-189111/@bhattg/the-hbd-interest-and-hive) to learn about that. It is really simple and easy to do. If I can do it then sure you can do that too. I am not that smart, to be honest kind of a slow learner you can say. 

After joining the hive many things change for me, there are many things that did change but the best thing that I have learned from here is investing. 
That is what I do think, I love to invest from the day I did get a job. My father  
used to do the same but in a very low amount. My father is at a good and reputable job. I would not say he has invested all very well but I did follow his steps in my investment in the early years now I have learned a lot of new things now. I am not saying that I am a professional financial adviser, but you can I do know a lot of do and don't of investment now.




 


 



<HR>


![](https://images.ecency.com/DQmPbW9Z23nrUPMxLLG8Gfukr75cw3JFTn4pqFVnYfNPL3z/green_orange_and_yellow_illustration_personal_finance_facebook_cover.png)

<HR>

We all learn things slowly, and time is the biggest teacher. Nothing happens in a day. We do want to earn money and now that time has changed a lot, most people are investing their money rather than just keeping it. 
people are getting smarter day by day, it is really hard to fool them. But the companies do find a way to fool them by showing them schemes and manipulating them to invest in them. The thing is they don't even clear all the things at the start only showing the better half of the scheme the worst we do see when we want to withdraw the amount. 



But now things are really clear now people are getting very aware of the exit things first thanks to the internet you can find things that you want to know. You just have to search for the proper thing. 
I was looking for some save and secure ways to invest the money I do earn. I am planning to secure my investment as much as I can but the risk is everywhere. 
a few safe investments are RD(recurring deposit) and FD (fixed deposit).
The yearly interest rates are from 1.85% to 7.5 % max.
But now I am used to 20 % APR on HBD, so I am planning to invest in HBD from next month. I hope I get a good salary hike next month or you can next year, fingers cross.
I am planning to invest 2000 INR which is around 24.21 USD, maybe this seems to be a small amount but this is not small for me. 
let's see how things will go next year is going to be a good year for me. wish me luck. 
    
 
 






  If you are new to the splinterlands game then feel free to join my referral 😁


[My splinterlands referral](https://splinterlands.com?ref=bhattg)



[few posts from my past that might be helpful for you.](https://sites.google.com/view/hivelinkshare/home/hive-links)



![](https://images.ecency.com/DQme1eL9v9d8qiTY2KdjUACLN5oMFzUQZP9Rpf8uvDhAnhH/hive_divider.png)

* 10 daily comments  ✔️
* 5 k Hive Power to vote  (1,897 HP)❌
* Eceny Boost ✔️
* Help others ✔️

wish me luck 😅
> [Img Src](https://ecency.com/hivemarketing/@doze/hbd-graphics), edit via canva




Thanks a lot for staying till the end 😃🙏, let me know what you think.



*Never forget one thing you should be grateful for because what you have someone has a dream of that. So learn to be grateful. Be Thankful.🙏😀*



*Thanks a lot for being here, let me know what you think.*



![iu1.png](https://images.ecency.com/DQmPyP6WqtHh2PCNeiPVn2msLXyUBEEZmtPv4L3RRDYho9F/iu1.png)
















<center>







<table>
<tr>
<td>
<center><a href="https://discord.gg/bGmS2tE"><img src="https://images.hive.blog/DQmdthy4q4vyefBYmjMJtx7qHBmLnCfP2btiRPhRyc2U8hP/Indiaunited.png"/></a></center>
</td>
<td>
<center><a href="https://discord.gg/3NBKXJQSH8"><img src="https://cdn.discordapp.com/attachments/545735847962476557/906514669412446208/RNFetchBlobTmp_a79otr7107dfamcuuo2rzn.jpg" /></a></center>
</td>
</tr>
<td>
<center><a href="https://discord.gg/BehcrpgWHS"><img src="![nefooter.gif](https://images.ecency.com/DQmRsJumvd4V6DGi3Pz1U4cqJmGZ6cowSrPhSqaYMnTKmVZ/nefooter.gif"/></a></center>
</td>
<td>
<center><a href="https://discord.gg/w8C7fsM8nd"><img src="![hive.jpg](https://images.ecency.com/DQmVowEBvDuNDEV8EeFxRGs9F1KKrL2XMkicS35oTth5jLi/hive.jpg) "/></a></center>
</td>

</table>











![5edc4da06b60b614604440.gif](https://images.ecency.com/DQmPoJKapGN6Zb9djJ83SbBKfJ2BgtJS7NA5dn1uZuCYzDM/5edc4da06b60b614604440.gif)

<center>



***Thanks & Regards***

**@bhattg**
 ***-----Together we will make this a better place-----***

</center>