Don’t wait for the right time before you start working on achieving your financial goals. The old saying about how “If you wait for the right time, it’ll never come” is true.

Of course, some times might be better than others, but the really important thing is just to start. The stars may not be perfectly aligned, and your life might not be exactly ideal right this very minute, but chances are that you can go ahead and start by doing something that will move you closer to your goal, no matter how small.

And lots of small things add up, given time and consistency. Just do a little bit toward your goal each day, starting now, and don’t give up.

What could you start with today?