I am hosting my very first "Ask the Readers" session today. All you have to do is read the question, think about the question, and leave a comment with your answer. One lucky reader will win a $5 Amazon eGiftcard just for responding to the question! Leave your email address with your response. The session closes at 11:59pm tonight.
Your best friend is in debt and wants to save money this year but doesn't know where to start. She comes to you and asks you for your opinion and advice. What is the first money saving tip that you would give?