I like a really low action on my acoustics, so assuming that the truss rod is adjusted correctly, here's how I adjust my saddle: First, slowly loosen all of the strings until they are so loose that the saddle can be taken out. Next, take a pen and draw a line across the saddle where it meets the bridge. This will give a reference point when trying to determine how much of the bottom of the saddle needs to be removed. Remove the saddle. Using the line you drew as a reference point, start sanding the bottom of the saddle. I use an electric orbital sander to get off most of the material and then sand the rest by hand. Put a piece of sandpaper ( medium works well) on a flat surface such as a kitchen table. (Your mom or wife will really appreciate it if you protect the top of the table with something.) Hold the saddle with your fingers and using a back and forth movement (going lengthwise), sand it, checking frequently to make sure that your work is "square" and even on both ends and on the edges. The crucial thing is to make sure you don't sand off too much, because then your strings will buzz, and you'll have to get another saddle. It's like cutting hair: You can always go back and take off more, but you can't put it back on! You'll be surprised how easy this is if you have patience and go a little at a time. I usually can do the whole process in one or two shots. You'll be able to also once you've done it a few times. If one of the neighbor kids has an old guitar he/she isn't using, maybe you could practice on that! Hope this helps.