So where should you advertise and list your home? There are plenty of websites which offer to list your property. Two well-known and frequently visited sites are ChoiceOfHomes.com and ForSaleByOwner.com. I suggest not listing on only one but listing on at least a couple of these sites, if not more. It doesn’t cost much and especially when you consider money you’d save in commissions from finding a buyer through these sources.

Happy Home Selling!

You MUST pay more than minimum payment each month - if you don't your debts will be around for a LONG time! It can take over 20 years to pay off a measly $1,000 credit card bill if you simply pay 2% minimum each month. At end of this, interest payments you have made will FAR exceed original debt! And that, of course, is how credit card companies afford those swanky downtown offices.

If you have dependents, you need insurance. It may seem like an extra cost right now, but believe me, it is 'Murphy's Law' - if you don't have it, you will need it imminently! Auto insurance, Mortgage Payment Protection, house insurance and life insurance are a basic set you need. This point is related to pensions, too. Start as early as you can. If you don't have a pension plan now, start it immediately. The tax advantages just can't be missed. And earlier you start, sooner compounding has a chance to work it's magic. And compounding is secret that will determine if you have a comfortable retirement, or live in a shack, eating beans. And don't try and kid yourself you won't make it to old age - bet you will, and bet you will be surprised how expensive everything is in 30 years!

Read up on money, and money topics. If you understand how cash works, chances of getting into serious debt decrease dramatically. I'm not saying you have to read Wall St Times, but an understaning of interest rates and compounding won't hurt.

That's about it for now - Get saving!