My Very Best Saving Tip

NCN who posts at No Credit Needed is rerunning a page where he is asking personal finance bloggers to share their very best money saving tip. Click here to read what people have contributed.

My very best money saving tip is "Start Now". Stop planning to sell some stuff on Ebay soon. Spend half and hour and put your first item up today. Don't have a budget? Pull out your bank statements and start seeing how you spent your money in the last 4 months.

This is my biggest challenge. Action. For years, money and retirement where something that I would worry about later. Years passed and I am just now starting to clear away debt so I can save for the future. My wife and I have been married for 13 years and one of the most important things that she wants is her own home. We are no closer now than we were when we got married. Sure, I have all kinds of excuses, but when it comes down to it, only actions count.

Waiting for a solution to appear magically, is living in a fairy tale.

It won't happen.

Taking your first step to take responsibility and take action to solve your problems is the solution. Then take another step, and then another. They don't necessarily get easier, but the first one is the hardest. If you fall down, you get up and take that step again. Wash, rinse, repeat.

Good luck!