I never thought of saving HBD before, because I need more SP at that time. It's not until a month ago when I was in need, the power down hive won't help as fast as the HBD saving.
But, after I withdraw from my savings, I feel bad and I put it back 😆 I never bought HBD, maybe I have to try it too.
Thank you for sharing 🙌
Hive Dollars (HBD) savings can help you in many cases, depending on how much you have in it.
Do not feel bad, if you withdraw any amount. It is good as an emergency fund too.
Once I had more than $1000 HBD in savings, and I earned more than $20 HBD interest per month in that time.
This was when the interest rate of the Hive Dollars (HBD) savings was 20% APR.
Nowadays it is 15% APR, which is still good.
I withdrew Hive Dollars (HBD) from the savings in the past, because I needed it.
I was in a very different situation then.
It helped me to financially go through a winter in Hungary.
Yes, it's something that I get from my contribution to the hive ecosystem anyway, so I have the right to use what I earned 😁 but, I don't know I feel bad because I've been away for years and the first thing I did when I came back was withdrawal 😞 but it's all in the past.
I can see my hbd savings a little.. thanks for your advice