I have a post on my blog that I just wrote about leasing delegated sp and why and how to do it if you are a minnow. It took me 6 weeks of hard work to figure out the whole steem/sbd/sp thing and I never really did. Finally I was saved by @surpassinggoogle who GAVE me the STEEM I needed - too much trouble to explain - easier to transfer lol.
Now I'm fine - but that learning curve! I must have asked 20 people before Our Boy Terry rescued me.