Hello Hive.

Regardless of the interest or percentage APR on HBD savings I still haven't gotten any HBD to my savings account yet. And it seems am not the only one in these shoes, so I decided to do a critical analysis of why it is difficult to save HBD despite the interest attached to it.

This is simple and the reasons are not far fetched.
Most people don't believe its important to save money, every money that gets into their hands is meant to be spent immediately.
Even government workers and staff do not see the importance of saving money, maybe that's why the government has to force a pension scheme to deduct out of their salaries and help them keep something for the future.

If pensions are not made compulsory I have no doubt that some people will not partake in this and all their life earnings will be apent during service year with no plans for the future.

The definition of saving from different people differs and to these category of people mentioned above

Savings is the amount of mfuture left over after they have deducted and spent on what they see as their needs.

Oh well with this mindset, sometimes nothing is left over because as many things that are not necessary will present themselves as needs until your money is exhausted and there is nothing more to save.

In my own opinion I believe that Savings is a deliberate action to deduct and keep some future money regardless of the present daring needs.

It is backed up by a little sacrifice to delay pleasure for the future, hoping that the saved income might as well get multiplied over time to bring some level of financial freedom in the future.

Present needs and money never be enough and if you are waiting to have more than enough before you can save up the rest, you may never have savings.

Saving HBD has come with some challenges for me, not because am waiting to have more than enough but i have multiple series of places to invest these earning on hive.

My polycub defi needs more liquidity as well as some layer two tokens am willing to pickup, maybe this is another form of savings but I do wish to see some HBD sitting in that savings to partake in the 12% APR as well.

Now the big news is are you ready for the HBD Polycub liquidity pool on Polycub? With all the success polycub has realized in tbeir projects.