Step 7. Regularity: Daily ritual & one big day per month

One day a month gives control. A daily loop builds the habit.

So the system has two layers: a daily small ritual and one big monthly action.
This keeps it from turning into something you remember once a quarter.

1) Daily ritual (2–5 minutes)

Choose one option. Do it every day.

Option A. One number

Every day, write down one number (same type each time):

🔘 how much you spent today
🔘 how much is left until the end of the month
🔘 how much is currently in reserve

Option B. One question

Each day, answer in one line:

🔘 was I following my strategy today, or did I fall back into old patterns?
🔘 what was today’s impulse?
🔘 what did I do for my future self?

Option C. One action

One action per day:

🔘 set aside a minimum amount (even if it's small)
🔘 write down one unnecessary expense and why it happened
🔘 eliminate one issue (subscription, delivery, small habit)

Rule: the ritual must be so simple you can do it even on a bad day.

2) Weekly check (10 minutes, once a week)

A steering wheel to avoid drifting before month-end.

Structure:

🔘 what worked (1 point)
🔘 where it slipped (1 point)
🔘 one improvement for next week (1 point)

Pick the day: Sunday or Monday usually works best.

3) Big day — once a month (20–30 minutes)

This is management, not reflection. One calm decision.

Structure:

🔘 replenishment (fixed amount or %)
🔘 distribution across your "split"
🔘 reconciliation of 3 indicators (replenishment / reserve / free balance)
🔘 one decision per month (just one)

4) The rule that holds the system together

Every day — brief reality-check.
Once a month — one major action and one adjustment.
Repeat for a year.

5) Step summary (5 lines, ready for comments)

Fill in the gaps:

🔘 My daily micro-ritual (A/B/C): ____
🔘 When I do it: ____
🔘 My weekly check: ____ (day)
🔘 My big day of the month: ____ (date)
🔘 My bad-day version: ____

Example:

“Micro-ritual: one expense number per day. Evening. Weekly check: Sunday. Big day: the 5th. Bad-day version: write the number and close it.”

Step 8. Your Credo That Keeps You on Track 🚗

The goal of this step is simple: turn everything from the previous steps into a short, practical set of rules.

1. How to Build Your 8 Rules

Each rule should be easy to behave on and short. Use one of these templates:

🔘 I do ___ every ___
Example: I do a 2-minute financial check every evening.

🔘 I never do ___ until ___
Example: I don’t change my plan when I'm stressed until I’ve taken a 24-hour break.

🔘 If ___ happens, I do ___
Example: If the thought “I urgently need to invest or exit” comes to our mind, I pause and check the numbers.

🔘 My limit is ___
Example: My limit on impulsive decisions is one action according to the plan — no more.

🔘 My pause is ___
Example: Before any money decision, I wait 12–24 hours.

Build the 8 rules as a chain, one per step:

Point A ▶️ Life Model ▶️ Trigger ▶️ Scenario ▶️ Strategy ▶️ Risk ▶️ Regularity ▶️ Return

2. Example Credo

Assumptions for this example:

Point A — irregularity
Pattern — sprints
Driver — ambition
Scenario — sprint ▶️ burnout
Risk trigger — FOMO

Credo:

🔘 I maintain a foundation: energy and routine first, speed second.
🔘 I invest on a schedule, not in bursts. Consistency beats perfection.
🔘 If I feel the urge to speed up, I reduce tasks instead of adding new ones.
🔘 When a sprint starts, I pause for 10 minutes and pick one main task for the day.
🔘 My strategy is one yearly vector and one monthly focus.
🔘 Any money decision is made only after a 24-hour pause and a checklist review.
🔘 My rhythm: one number daily, a 10-minute review weekly, one full audit monthly.
🔘 If I slip, I restart today using the mini-version.

3. January Contract

Choose one thing you can realistically do for 30 days straight:

🔘 a daily small ritual (2–5 minutes), or
🔘 a pause rule, or
🔘 a fixed weekly check-in day.

Then add one measurable result for the end of January:

🔘 total replenishment, or
🔘 reserve size, or
🔘 available balance.

4. Summary

My 8 rules for 2026 (example):

🔘 Routine and energy matter more than noise.
🔘 I invest by schedule, not by mood.
🔘 When FOMO appears, I pause and check the numbers.
🔘 Instead of sprinting, I choose one main task and stop.
🔘 I stick to one yearly vector and avoid spreading myself thin.
🔘 Money changes happen only after 24 hours and a checklist.
🔘 I record one number daily and audit monthly.
🔘 If I fall off, I restart today using the mini-version.

My January contract:

For 30 days, I do: ______
By the end of January, I will have: ______

Example:

For 30 days, I do a 2-minute check-in every evening.
By the end of January, I will have 4 deposits of $___ (or a reserve of ___ weeks).

We tried to compress a complex framework into a clear, usable structure.

This is where our marathon ends, and where your practice begins!

Next comes the promised bonus!

Happy New Year! 🎄

Over the past year, we achieved a lot together!

You already know the numbers — we shared them in yesterday’s post.

Today, we simply want to say thank you.

Our ecosystem grows because of you — your feedback, your trust, and the companies you choose to invest in.

👍 Take care of yourself in 2026. Stay focused on your goals. And remember:

2026 won’t change your life. But you can make it the best year of your life.

10 months of 8lends 🔥

We hope you’re resting and enjoying the holidays!

As for us, in just 2 months, we’ll celebrate our first birthday — a strong way to start the year!

Here’s what we achieved over the past month:

🔘 Raised this month: $1,506,002
🔘 Total investors: 1279
🔘 Funded loans: $6,300,656
🔘 Loans repaid: $1,324,161

A small request: leaving a review on Google would be a great gift for us.

What would you wish us for the new year? Tell us in the comments! 👍

We’re back to work! 🛠

We want to start this year with planning.

✔️ Last year, around 70–80% of our plans worked well. That’s a good signal. So this year we want to dream more and build bigger!

Let’s zoom out and look at our three main areas:

⚡ Projects

We’re adding more businesses to invest in, with a clear focus on structure like real estate, energy, manufacturing, and similar sectors. Besides that, we’re expanding geographically to bring projects from around the world onto the platform.

The projects currently listed aren’t going anywhere — they stay with us, and we’ll continue scaling them.

💎 Token

Our main goal is to become one of the leading tokens in RWA and P2P with strong liquidity and a large, growing holder base.

We’re aiming for tier-1 listings and steady, organic growth, without sudden spikes. We want to build a standard other tokens will have to follow!

🔥 Platform

We’re focused on making the UI better. Our goal is a platform that’s comfortable, fast, and easy to understand.

On top of that, we’ll be sharing more about ourselves. Nothing to hide. We want to be as transparent as possible — about our projects, how we work, and by answering your questions directly!

Are you starting this year big with us? Show us with your reactions! 🔥

Passive Income in 2026: What Still Works, What Breaks First

If 2025 taught us anything, it’s this:

💀 betting everything on crypto narratives is... not a strategy.

Together with Wenaltseason, we’ll break down the best passive income options for 2026!

✖️ Jan 8 | 3 PM UTC on X Space

Let’s start the year strong!

8lends Needs YOU! 🔥

The year has started, and we already have a plan for our further development.

😊 And you’re part of this plan!

We want to hear more from you—to better understand what you’d like to see from 8lends so we can move in the right direction.

📈 Want to help us grow?

Leave your questions and suggestions in our form or in the comments.
🔘 Google Form

And we’ll really appreciate your honest reviews.
🔘 Google Reviews

If you’re into crypto, you should see this! 👀

We break down what’s behind stablecoins and how the US fits into the picture.

📱 Worth a watch

How do you like the new topics we’re covering?

Why did we call our platform 8lends? 8️⃣

Numbers are part of our everyday life. We live with them, work with them, and remember them — just like names.

We believe that a name, and the number behind it, plays an important role in the success of a brand.

So why 8lends?

♾ Infinity. Pretty obvious, right? But it fits us best.

Throughout history, people have always strived for growth: they created, built, discovered, and scaled. The technologies we use today are the result of past breakthroughs.

🏗 That’s why the process of creation and development is infinite — you can’t stop people from building.

We understand this foundation and help it grow. We find projects around the world that bring real value and give people the opportunity to build wealth by supporting real businesses.

🔥 With 8lends, opportunities are infinite.

TG Space: Habits & Mindset That Make an Investor Successful

Did you all rest well? Because we did, and we’re back with a new format: TG Space!

🔘 What makes an investor wealthier
🔘 8lends in 2026
🔘 P2P trends and solid structures

Sounds interesting, right? Come and join us 🔽

📱 13.01 at 14:00 UTC—right here in Telegram!

You lose money every day because of inflation!

If your money sits idle and you don’t invest it anywhere — you’re losing it.

And these aren’t our thoughts. This is what the data says 🔽

In 2025:

U.S.

🔘 Core inflation (YoY): 2.7%
🔘 Average savings yield: 0.62%

Europe

🔘 Core Inflation: 2.1%
🔘 Average Deposit Rate: 0.25%

That means:

🔘 Europe: ~2.05% lost per year
🔘 U.S.: ~2.0% lost per year

That’s why we encourage investing — putting money to work!

🔥 On 8lends, projects offer 20.9%–23.2% APR, which allows you to outpace inflation.

And if you don’t want to invest — at least spend the money. Take a trip. Enjoy it. Because otherwise it will quietly lose value anyway.

How do you fight inflation — spending or investing?

P2P Market Is Bigger Than You Might Think!

Some people still believe the only way to build wealth is through crypto and stocks. Both markets carry risk, especially crypto.

📉 In reality, most people don’t enter crypto for long-term work. They chase fast gains. That’s why most end up losing money.

Other investment options often feel inaccessible because of high entry barriers. But many people overlook one strong long-term option entirely: P2P lending.

📈 Here’s how far the P2P market had grown by 2025:

🔘 Global P2P lending revenue reached $176.5B
🔘 Retail investors accounted for 47.9% of the market
🔘 Individual investors made up 51.8% of total participation
🔘 North America led with 36.1% market share (vs. 37% in 2024)

↗️ Click to learn more

These are already massive numbers, especially considering the market is still relatively young.

⚡ And some projections estimate the P2P lending market could reach $1.38T by 2034!

That’s our take on the market. What’s yours? Share it in the comments! 🔽

🎤 X Space: Investing in 2026

We’re not slowing down, and we hope you aren’t either.

We’re up for another X Space where we’ll discuss:

🔘 Key investment trends in 2026
🔘 P2P crowdlending
🔘 Market growth and how you can benefit from it

✖️ 15.01 at 2:00 PM UTC on X Space

See you there!

What do you know about trust?

👁 Is it about personality? Data? Numbers? Reputation?

We believe trust comes only after questioning it. That’s why, before making any investment decision on our platform, you should ask yourself: “Can I trust P2P lending and 8lends?”

Trust doesn’t come from statements like “We’re transparent!”
It comes from infrastructure.

Most P2P lending platforms have 3 core problems:

🔘 No clear collateral
🔘 No visibility into who makes credit decisions and how
🔘 No real data on risks, only nice platform visuals

In such cases, when things go south, it’s always easy to blame the market or the news.

When we built 8lends, we started from a different question:

💭 What should a platform provide so that I’d put my money into it, and sleep well afterward?

That’s why:

🔘 Every loan is backed by real collateral (equipment, goods, property). All collateral details are clearly stated on each company’s page on 8lends.
🔘 A clear credit model and scoring system (click to learn more).
🔘 A Web3-based structure where all inflows are recorded on-chain via smart contracts. There are no grey zones. On every project’s page, you can see how much money was invested, including wallet addresses.

P2P lending isn’t ideal, and isn't risk-free. But there’s a big difference between investing in memecoins or in something that just feels promising, and investing in real businesses with a clear business model on a platform that hides nothing from you.

🔥 On 8lends, structure and capital protection come first. Only then come income and marketing, not the other way around.

We’re ready to show you more and explain more. Stay tuned!

$8LNDS will grow soon! 📈

Hope we don’t spoil you too much 💀

Investors from Maclear will have the option to convert their bonuses into $8LNDS!

This brings in more holders, and increased holder demand typically supports price growth.

Our infrastructure grows along with the price! 🔥