Dear my Steemit friend : . . . . .
For exchanging the steem/SBD to your money you must convert it first to bitcoin, and than convert it to your local money. There are many way to exchange steem/SBD to bitcoin. One of them via blocktrades. Blocktrades is a simple and fast way compared via other way. It easier and very userfriendly. I recomended to use it exspesially for beginner, who will pay out from steemit for the fist time
Here i have made a tutorial how to do it step by step, I hope it usefull. Let's try together.
1. Open blocktrades website on https://blocktrades.us/ . And than Log in to your account. If you not have account yet, create it fist.
2. write amount of your steem/sbd on the left colom and will be calculating automatically how many bitcoin you will receive on the right colom. Than, write your bitcoin receive address on bitcoin adress colom and click to "Get Deposit Adress" button. You will get the account name and memo for transfering your steem/sbd.
3. open your wallet on your steemit account and transfer the steem/sbd to the 
4. wait until 30-60 minutes and you will receive your bitcoin on your local bitcoin account.
Just this from me, hope usefull for you. If you have any question write it on comment colums bellow. Good luck and hopely success, Thank you.
Love,
