seymour explains her merchandising empire and how dr. quin ended up in a "breaking bad" spoof. i want to mention that the market is falling here. we are down now 73 points on the dow. another afternoon where we faded to get traction. >> that does it for us. "street signs" starts now. ♪ after being slammed the past few weeks something interesting is happening with oil stocks. hello and welcome. we will tell you what that is and why it might matter ahead. new year stock picks for you. predictions 2015 and what we got

right. >> hello everybody. here is what is happening. all three major indexes lower in the session with the dow and s&p having their biggest one-day drop that we are seeing in two-weeks time. oil bouncing all over the map today in the trading session. crude holding in the green and still above the $53 per barrel mark. let's check in on the oil and jackie deangelis. >> a very volatile session. we are looking at wti up nine cents. we have a bid at 53.71. it is not that significant in the scheme of everything we have seen. most traders are saying this is just a technical bounce. this is normal and we see this selling pressure for such an extended period of time. at the end of the day this still continues to be a supply and demand story. at the same time supply is still robust and demand is not

materializing the way that we thought it to be. the geo political rift we saw in libya and earlier photos of protests in russia showing traders aren't taking events too seriously. it will have to be really significant to get the oil price higher. we are looking at brent price under 60. remember a while back saudi arabia said we will let it drop to 60. that doesn't seem to be the case. you ha we are not cutting production. prices are dropping. they will try to force u.s. shale producers to cut their production and we are seeing evidence of that anecdotally just the other day. we are seeing it trickle through parts of the major oil producing states here in the united states. i do also want to mention gas prices continue to decline. $2.28 for you oil geeks out

there. >> you called me yesterday. >> i didn't want to call you it again. >> you were right and i take it as a compliment. here is our next segment. we will stay with oil. here is something interesting. oil is down about 6% in the past week. there are a couple of oil related stocks that are higher, not many. we are not overstating that there are a couple. a couple of others actually higher over the past five sessions. is this finally the sign of a bottom in oil that some stocks have risen in the past week or just a couple of stories that don't mean anything from a macroperspective. >> it probably does not mean a lot in terms of predicting where commodity goes. it is true that equities traditionally in energy have bottomed ahead of the commodity just as they tend to keep ahead

of the commodity. we saw this movie play out six years ago following the financial crisis. we are probably seeing a little bit of that now. in other words, a lot of the expectation and certainly our expectation is that oil will be higher a year from now than it is today, higher in two years. in one year the futures curve is telling us that. so the stocks should be discounting future improvement in the commodity even if we are still in the -- >> if we want to know when oil will stop falling we should look to stocks. once the stocks stop then we should at some point later on see oil stop falling. equities lead? >> yes. in energy at least equities have traditionally been a leading indicator. i think we are seeing that now. >> don't oil stocks account for about 8% of the s&p? when they fall the s&p falls as well? given that we are looking at

side ways trade have we picked off bottom? >> it's funny you mention 8% of s&p. it used to be a lot higher. a year ago energy was 11% of s&p. it lost three percentage points of market cap, obviously worst performer in the index. our view is that there were be rotation into energy over the next 12 months. when you think about the extent to which energy under perform and the extent to which others like tech have outperformed there could be regression to the mean in the next 12 months. particularly if we think about the dollar the dollar is going to be a major head wind for a number of the sectors in the s&p outside of energy. if you think about what are people going to be taking profits in and where are they re-investing we think energy will see benefits of sector rotation into the really beaten

down names. worst performing sector of the s&p in the last 12 months by far. >> if you think it will turn around maybe we want to buy stuff that is on sale. you are not supposed to buy at the peak but when things are discounted. can you give us a couple of names for our viewers? >> absolutely. two ideas for you, large cap occidental petroleum. everybody knows this one. this company has the best visibility on share buy back of any u.s. oil and gas producer. it's exiting the year with negative net debt. so more cash on hand than debt because of a very well timed spin off that it did about a month ago. and then the small cap is inter oil much more below radar. this is a play on lng economics

in asia which are tied to oil so it is going to benefit as oil rebounds but the project that it is working on is not going to start producing until the end of the decade which means this particular oil selloff doesn't make any difference for ioc and its partners. what they are focusing on is where oil will be four or five years from now. if you think oil will be at $60 a year from now or five years from now then all i can say is we have much bigger things to worry about. >> gasoline prices, a derivative of oil down for the 96th straight day. almost 100 days in a row gas prices have fallen. while gas drop is great news for you, the average commuter, truckers haven't completely joined the party because diesel fuel prices have not fallen as much. diesel around $3.16 a gallon

nationwide. down from a year ago but not the percentage as gasoline. what is the problem here? >> well, i think the most important issue here is that diesel has completely different fundamentals than gasoline and due to obviously agricultural consumption late in the year diesel is late to join the party but it will join. diesel prices on average will finally drop under $3 a gallon. you could be talking about over the next month diesel prices coming down to an average of $2.50 to $2.75. some states lower. we will start to see it here. it will not be immediate, though. >> i heard $2.50, $2.70 for diesel. isn't there a 30 to 40 cents spread diesel to gasoline. what does that imply? >> certainly that can vary depending on season and production, fundamentals of both gasoline and diesel.

over the last five years that gap between diesel and gasoline that relationship has not been as direct since diesel requirements, gasoline prices have been lower as demand for gasoline has dropped since 2007. diesel demand has continued to increase and ramp up across the country and the world. >> a lot of our viewers are probably saying why do we care? we don't drive trucks for a living. they probably don't. however, we care because as diesel costs go so may be the cost of shipping which means goods may be cheaper which means yet another discount from american consumers from lower price of gasoline. >> absolutely. you talk about a company like amazon who ships packages through somebody like ups, big logistics companies slapped businesses and consumers with fuel charges for the last five, ten years. once diesel prices finally come down you can talk about those

surcharges disappearing or dropping for the time being. whatever you look at when diesel prices come down it is certainly not only a boom to trucking companies and logistics but eventually will make it to the motorest wallet or consumer's wallet. >> watch the movie "convoy." classic. there is one thing that could happen to this market that has not happened since the original matrix, palm pilots were popular and back street boys were playing on her sony walkman. >> one of those dvd players, cd players. something like that. cassettes. we are bringing out and breaking out our trusty old crystal ball to see what the new year has in store for your money. your 2015 portfolio play book is coming up when "street signs" comes back. l your brand new ca. nobody's hurt,but there will still be pain.

it comes when your insurance company says they'll only pay three-quarters of what it takes to replace it. what are you supposed to do, drive three-quarters of a car? now if you had a liberty mutual new car replacement, you'd get your whole car back. i guess they don't want you driving around on three wheels. smart. new car replacement is just one of the features that come standard with a base liberty mutual policy. and for drivers with accident forgivness,rates won't go up due to your first accident. learn more by calling switch to liberty mutual and you can save up to $423. for a free quote today,call liberty mutual insurance at see car insurance in a whole new light. liberty mutual insurance.

check out gold. it is up more than 1%. nearly 1.5% right now. if you put your money in gold at the beginning of this year, you do not touch it you basically broke even. gold down since january. the best performing stock in the s&p 500 is gold-related, newmont mining up 4.3%. maybe the miners are making a comeback.

>> some people are talking about rotation. maybe some money rotating to gold. >> maybe, but i don't think so. >> that is what some of the analysts are saying out there. >> what do they know? >> they pretend to know something and hopefully they do. the dow and s&p posting biggest one-day drop. how should you be positioning your portfolio in 2015? let's talk through. we have john. as we head into the new year how should we be positioned given that we are coming off three straight years of double digit gains on wall street? >> i'll take that. i think you should buy stocks. i think the market still has more to

if you are asking me, i don't think it is qovervalued. i bet you look back if you didn't buy emerging markets and kick yourself. e1 get yourself a position. you don't have to go overweight there. >> i definitely think that when we look forward over the course of the next five yearsçó muchoke

potential in both developed international and emerging stocks. the biggest issue for us and our clients is what about the short term risk? while we beliiqq potential for return definitely is better overseas than%qñ domestically t kd8which is whyñi we are not overweight at this point. >> are you out of the entire v0ayrñno. market? market. >> where are you notfá worried about? >>w3 so one of our investment strategies right now for our clients is welp are focusing on really domestically oriented large cap defensive sectors where we are putting the majorhijt our money. s5,that can be all ofu them. >> so one of the biggest trends that we have seen developing over the course of the past few months and really weñr think wi continuexd to be a great trendj 2015 are cyber security stocks. obviously that is front and

center with the hacking of sony. we saw target, home depot, apple. it is really a huge issue right now. businesses in general have really been under investing in new technologies for at least 1 decade. it is time to ramp up spending in these areas and cyber security should be a huge beneficiary of the e1increased spending. some of the different ways to play that depending on risk appetite could be the bigger value play, palo olto networks and where you could get a great reward but a lot of risk embedded. an etf way to play would be d newerq etf th out about a month ago that gives investors the ability to concentrateq cyber security int theirhportfolio. >> are you a big buyer of the chevrons and exxons and big oil

companies of the world right now? but yes. >> i am throwing out a few examples. >> they are not that crude sensitive. margins tend to ú for refiners. you don't put a multiple on that. i think integrated oils are ae1 very good investment. very good valuations and have the quality and yield that people need. one of my favorite stories exxon on the total return basis i] outperformed in the /é%n that is what the stocks do. >> individual name there. >> he did not. his compliance iq5q -- you said you liked integrated oil companies. >> i named them. i want that on paper. >> on national tv that isq better. eyrrñ many say that this is the single best week of the year being at the car lot apparently. are they right?r1o cf1 o

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swelling of the lips, tongue or throat, or difficulty breathing or swallowing, stop taking cialis and get medical help right away. ask your doctor about cialis for daily use and a free 30-tablet trial. outside of the nasdaq, where we bring you live daily market updates. and today, we have a very special free gift for you. so many viewers e-mail us wanting to know our secrets on how we trade options. so we put our secrets into a new book. and if you're one of the first 250 people to call in right now and just cover shipping and handling, we'll send you a copy for free. look at the rate of return we've made on some of our recent options trades, versus what we would have made had we just bought the stock. there's no comparison. to make the best returns in today's market, you have to learn how to trade options. and our book will show you how to do it for free. jon has been trading options for more than 30 years. pete is one of the top 100 traders in the country. and our book will teach you how to trade options for free. so call now. [ male announcer ] call the number

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let's check in on shares taking hits after thee1 company told reuters it will likely miss the sales goal. toyota is expected to fall short of itsw3 goal of selling 1.1 million vehicles in w32014. this comes as chs#qáq economic growth is closing in. it is not a problem or headache virtually every car makerú(x is local or foreign having a tough time. check out car max, the third best performingfá stock in the p this month. if you own car max give yourself a pat on the back. if you are in the market for a new car right now is the timejfo buy because on average this is actually the best week of the year to snap up new wheels. is this one of thee1 things whe

they jack the price of the car up and then we are going to discount it by 2,000 but they raise the price by 3,000 or are these actually good deals? >> these are actually good deals for sure. we are calling this the newfá c new year. what is happening here is at the end of the month is a good time to buy a car. end of the month, end of the year. they are still 2014s where the real bargains are on the car lot right now. >> you are coming off christmas week where you use a lot of your plastic to buyw3 presents for family and friends. who has that kind of money to spend around? >> it doesn't seem to be slowing down. from all the reports we have and a live advice line andok getting calls from questions. i have done a little car shopping myself and running into a lot of peopleok that are sayi it is turning out to be the busiest time ever. >> two things. number one, you don'tçó need moy

to buy a car in america. 100% borrowinno nine year loans, 0%. here is what i'm interested in. what is the guy from edmonds looking at? what do you want to buy? >> ilel[ help ajf&ot of friends cars. i helped a friend buy a used toyota avalon and another friend looking for an electric car, the rav 4. that is what i have been shopping for. we bought the new bmwxd i 3, a gasoline car with electric generator on it. >> i was looking at some of the luxury deals out there. what do you think is a best buy from the luxury side? that is the only sector that brian would drive at this point, to be honest. >> i drive a jeep. >> you have to wave to everybody. if you buy a jeep you have to wavei] at everybody. it is a wrangler, not a

cherokee. >> what is one of the best deals? >>r deals and a fair amount of customer cash back. so the cadillac cts is a top seller particularly in the coupe and theñi audia 6 and the lexuss a really good buy right e1now. a lot ofjf what weó[recommend io look at the incentives because at this time of the year sometimes the incentives can make it so that youfe9$p(uup&lyy less than invoice for ae1 armed with that you can make a good deal. w@jot of the dealers are giving some up front price quotes which increases transparency and makes a lot of customers a lot more n getting down there and test driving. >> we know lower gas prices are driving people towards bigger cars, suvs, trucks, et cetera. if you are going to advise to one suv that may be the best

deal, what is the best deal going right now on an suv? >> one of theñi good deals thate have seen is the dodge durango. that has a lot oft( cash on r redesigned. with gas prices down itq is aok very attractive looking car. e1 it is really interesting to note that trucks and suvs have outsold cars for quite a while. it has been a long time since we have seen a gas spike. we are seeing a lot of fuel efficient vehicles that are fun the market is really good. there is a lot to choose from. that is why we are seeing so >> weñi learned a lot and we learned shockingly d$t there are people in san francisco that would buy an electric car. i for one some stunned. >> never would have thunk5a it. >> good luck in your own car hunt. >> jeep wrangler. 14 miles to the gallon. >> apparently this is one of the best weeks to buy a car.

one of the worst months is end of summer. >> worst week to be in a car. everybody on the road, kids screaming. we are going back inside the sony hack after this as a former fbi agent gives us his take on who is to blame. one energy company getting an upgrade. and a recent ipo thate1 morn stanley thinks can rise more than 30%. street talk coming up. the real time exchange market snapshot is sponsored by interactive brokers.

sor time. that means oil is about to settle for the day. take a look at the turn around finishing higher during the session. we arexdñ about $54 a barrel. >> big turn here at the close. technically youw3 look for the highest close of the day or

highest point of the day at the close sometimes sign of it is something to watch. we will know here in a fewe1 seconds. >> timeok for something we do everythi every day at this time, street talk. let's start with something that you wanted to talk about. rvs and what they calllp recreational vehicles madee1e1 thor. they own air stream and otherfá brands. a solidn&o order flow there at r industries. the stock, $66 target, about 10 and change higher@8zez the stock right now. >> bmo did lower, price target on w3thor. >> lower gas e1prices. i have an rv. they use a lot of fuel. >> 40 foot diesel pusher. a lot of ñrfuel.

>> i don't know. >> q logic initiated as a buy. >> leading thee1 way because of ether net growth and the need for storage, alle1 the data on e cloud. good for q logic. their target is $17 a share, about 30% upside. net use. >> one analyst's view. soçó let's talk about gulfpt energy initiated with a buy rating. >> gulfport's target is $58 a share. about 40% upside from the current price. i say that because the stock is down 20% this quarter. some other analysts not as positive on the turn. at least we are getting a few positive commentariest( on oil d energy-related na >> bio farms. >> they arexdr with buy ratings. e1r

brean started with ae1 buy at $ target. up aboute1 q18%. >> finally today's under the radar name, recent ipoer. >> based in the netherlands. it's a dutch online market place. cnb is the ticker started with overweight at morgan e1ttanley. their target 11 bucks. this is a stock, recent ipo, yea dutch. we could have new clues ep& hack. the state z3d(artment said it stands by the fbi's conclusion that north korea was behind the attack but will not dismiss reports that other parties might have bmei involved and tech experts abridged the fbi telling oints to possibly laid off sony staff and not north korea as the

perpetrator. let's gett( insights from jeff lanza, retired fbi agent. i thought the finger was solely pointed to north korea. e1 >>lp it gets crazieró%11"át timk apparently the fbi made this conclusion and is sticking by this conclusion that north koreans were involved. the state department is buying into it. that means the fbi has some information that the tech their conclusion is in conflict with the fbi's conclusion. maybe there isc intelligence information or other pieces of information that they are not able or don't want to6m share h the teche1 companies which coul be leading to the original conclusion. >> tarj does not have to be a binary outcome. you can have a group of disgruntled employees. maybet( north korea got involve because they want to stick it to japan. it can be everybody. >>e1 that's right. apparently sony's computer

security wasn't that good to begin with. that can leaveok the doorr many hackers. people realized how easy it was to get in. r!a=iqm indicated they had a called=e.xd pass ñiwords. all gang up on them. that could be a possibiliñywok aa don't you wait until you figure out who is the perpetrator before the u.s. president points theasf finger north korea? >> so when this took place there was a lot of pressure on the fbi to figure out as quickly as possible who was responsible given the high xdprofile naturef thejf case, movie introduction d being tied to that. i think the fbi probably felt -- >> it's just a moviexlxd after >> about the killing4-t añr dea3 leader, by theçó way. >> if someone could threatenfá

organization and say -- this is a movie but there is something else at stake here. maybe i make threats, too. >> running out of time. former employee. what is the penalty for something like e1that. there could be strong penalties >> thank you so much for your insights today. jeff lanza. so as we are heading intoe1 the end of the year, if you are to stick to your budget in 2015 we will tell you the number one budget e1buster. ?[: >> and our latest edition of the million dollar home series. today we areok showcasing homes you get to vote on the winner.

stay tuned to vote. which home is the best bang for your buck? place your vote for the winning home. go to cnbc.com/vote right now and get ready to start voting.

xd v;s(áát back. 2:40 here in the east. winner of the last version of the million dollar homew3 challenge on cnbc. wecuz bringing it back8 only this time with a twist. we are blowing off the roof off the $1 million price range. letpm!=] you the most expensive houses that we could get into that are t(unoccupied. these mega mansions are battling teç last round's winner southern belle takes on the museum mansion. i want you to do this unless you are driving. go to e1cnbc.com/vote and votexr your favorite. the winner that you select will move on to the next round and the loser is eliminated. get ready to vote. i hope we have time for the package because that intro was so long. &háhp &hc%

matchup. >> thisc elegant five acre esta% offers true southern hospitality. make a grand entry up the three story staircase. adorned in details like custom antler chandelier, boasting six bedrooms, eight paths, library, gourmet country style kitchen and wine ñrcellar. the custom built fire places look like the ones in the white house. t( my word. t verandas providee1 sprawling views of tennis courts and swimming pools. thise1 southern belle can be yos for $16.3 million. this palatial estate with 18 manicured acres withñi countlesp status on display. inside the 17,000ok square foot

mansion sevençó t(e1baedrooms at even the poolhouse is decked out the home comes fullye1 furnishe picasso and all. çó an art collector's dream come true. yours for $48 million. >>e1 voting is now underway. it's up to you toñi select a winner, which homeok is the bes bang forv try to figure outjf where that accent ca/= e1from. let's bring in dolly. tell us where the homesfá are located. >> nashville, tennessee is the southern belle. ande1 atlanta, georgia isxd our brand new ñrcontender. atlanta, georgia. atlanta, georgia is $48 million.

a record price for georgia and one of the records in the u.s. now, you imaginee1e1 sáthat. >> u.s. ìáhp &hc% both fabulous houses. atlanta is a spectaculartñ city. got a lote1 of friends there. great restausu'ts w3now. $48 million?7&oo cf1 o who isfá buying that? quarterback of the falcons. >> you can buy a nice house for $5 million in atlanta. that is ae1 lot of money. >> beverly hills standardxdfá no much. we have the most expensive hou+c in the world on sale. payingw3 up to -- >> 3,000 square feet. >>okuar >> these two houses both are perfect houses, country houses,

as magnificent estates. the $48 million one has a name. it has a name, thefá chestnut hall. >> that's interesting. matt ryan,xd quarterback of the falcons went to boston college which is based on chestnut xdhi. i wonder if that is his house. >> i don't think so. >> not his taste. >>q you know him? >> no but not his taste. e1 can he afford it? he is making 127. >> what do you think? $48 million house. the negative part of it to me besides the price is the fact that it comes withr furniture, art and everything. 1 thatñi limits ther >> $48 million price tag doesn't limit the buyer pool. >> 20 million plus you have the1 furniture. that resonates more. it limits the buyers.

you never want to limit buyers if you are selling property. you want buyers to come in and ultimately one of them to choose your home. >> you are going withok souther belle. >> i'm going with 'catlanta. but not best bang for your buck. the art is5a spectacular. i am goinge1 with atlanta3wbut at 48. and possibly not all furniture.q >> you a discount. >> at>,#ast ok6%. >> the commission rate. >> vote isñr locked in. southern belle house wins again and it moves on. back for the final round of competition insv4 "closing bell she will crown the winner. >> i would have chose the southern belle. it's really beautiful. i] >> gorgeous. what is the oq thing americans are spending too much

on? the one thing busting the mostñ budgets, the answer is coming your way next. andw3 predictions for the n year. h/!q we got right and what we got spectacularly wrong. your turn to make fun of us coming up. you total your brand new car. nobody's hurt,but there will still be pain. it comes when your insurance company says they'll only pay three-quarters of what it takes to replace it. what are you supposed to do, drive three-quarters of a car? now if you had a liberty mutual new car replacement, you'd get your whole car back. i guess they don't want you driving around on three wheels.

smart. new car replacement is just one of the features that come standard with a base liberty mutual policy. and for drivers with accident forgivness,rates won't go up due to your first accident. learn more by calling switch to liberty mutual and you can save up to $423. for a free quote today,call liberty mutual insurance at see car insurance in a whole new light. liberty mutual insurance.

it is time to make predictions for next year and either look like a genius or not a smart genius. let's go down toe1 bob pisani f a coupleni at new york stock exchange. >> no pressure, brian. >> i'm with you. >> my attitude in this game is at least don't be boring. put you are your ugly face on tv, say something interesting. here's my three predictions. i think russia can default on the debt in 2015 and the chances of this happening much higher than anybody thinks. i think 25%. that's why i'm sticking my neck out. i was here in 1998 when it happened. oil from 18 to 11. i saw the russian stock market drop 80% and i think the circumstances are a lot more similar than people want to acknowledge for 1998. that's number one. number two, despite the russia problems, there's a chance that european stock market will outperform the u.s. stock market next year. i am not saying the european economy is going to come roaring

back but i have watched estimates come down on earnings for european companies for years and i think we're very near bottoming in that process. i'm talking about earnings bottoming for european stocks. finally, do like to make at least one big stock call so here's the one big stock call. google could buy paypal. i think they want to ward off apple pay in a big way. it would be expensive and people feel it's unlikely but i think they have to do something a little bit on the bold side and google wallet isn't doing it right now. there's my three. at least they're not boring, guys. >> that's a bold prediction i have to say. definitely not boring. brian? >> same way with bob. these are just for fun. i'm actually with bob. i believe russia is likely to default in 2015. they did it in 1998. if oil prices are lower, the odds go up.

the 10-year yield is going to end next year above 3%. >> didn't you say that for this year, too? >> no. i didn't make a comment for this year. i think above 3%. that's an unpopular call but i think that's the case. do you have anything? >> yeah. i got something. so what about the nikkei? we lifted above 18,000 and the last trading day of the year we fell back a bit. 1.5%. some say the yen at barely above 120 versus the u.s. dollar, the weakness only starting now. i heard 180 versus the u.s. dollar and if you have translated that back into yen, if you're a toyota makes u.s. dollars, euros, that can mean big ballooning balance sheets. >> i love it. in december of 2012, my number one prediction was that the nikkei is best performing in 2013. it is in print. it was. it was up 57% so even a blind squirrel finds a nut sometimes. two others.

the dow will have an eh year. 0% to 5% and i think that ibm is going to break up and spin off or split up. that's my guess. i guess the dow up 0% to 5% this year, i was wrong. but this is the kind of -- we're up 8.5% right now. this is the rediction to be wrong about. >> takes a good man. big man to admit he's wrong. >> i was 3.5% off. not terrible. i'm happy to be wrong. next year, tougher and gold will -- for four years i've hated gold and more than ever now. coming up, why so many americans are going broke. that story next.

according to a new survey 2 out of 3 americans blew their budgets this year. tan number one cause of budgets being busted is also the same cause of the gut being busted. dining out. new year's just around the corner and we want to know how to manage our budgets better. it's an interesting study. you think it's a cell phone or that. no, no. we're eating out too much and spending too much money on food. >> you make the good comparison about the waistline, right? blowing the budget and probably not doing the best thing for your health. >> average i think 300 more calories eating out than cooking for yourself at home. >> that's right. so many people are busy. let's be honest about it. especially people are w.h.o. are parents, careers, faster,

easier, way more convenient to order that take-out. run in and get something and that's one of the reasons that we're seeing so many people are blowing the budgets. obviously, though, this is not the best thing. health-wise for you. a lot of extra sauces and, you know, calories packed into that thing. but at the same time, it is not really wise of us as financial experts to say, no, don't ever eat out. because that's not realistic. nobody's going to do that. so the smarter strategy to think about how can you eat out sometimes and not blow your budget? >> okay. can i make the counter argument being a singleton living in an urban area? by yourself, it's so unmotivating to cook for yourself every day. plus, i feel like i waste more food buying the lettuce, buying the goods -- >> it goes to waste. right. the's strategies. you could freeze some things. i know it doesn't appetizing. you could cook smaller portions. you could join a food co-op and people sort of buy in bulk

together and divy it up. you're right. if you're a single person, living in an urban area and easy to get somebody to deliver it for you, there's not as much motivation to cook. >> i think the point is, american express, they do a good job of this. the end of the year, maybe some other cards do, too. you can look at how much you spend on restaurants. >> right. different categories. >> how do you get smart about budgeting? this is the number one thing that are causing people to not save money. >> right. i think one thing to do is monitor it along the way. don't wait until the end of the year. there's a lot of different tools. american express gives you at the end of the year -- >> break down by cat girl. >> most will do the same thing. you can use tools. for example, mint, a free site. you do the budgeting software. you can tell it, i want to spend "x" amount in grocery or eating out f. you hit the target for

the month, you get that e-mail notice that text alert notice that reminder to say, okay -- >> stupid spending ahead. >> exactly. cut it back a little bit. maybe that's time to cook a couple more meals for yourself. >> isn't dining out a social thing? shouldn't i meet my friends and have a good time? >> not if you're going broke! for some people, not going into debt. >> if you want to go meet a dude, go out. nobody's in the kitchen. >> i think timing -- >> if they are, call the police. >> exactly. that's not a good thing. timing matters, also. here's the thing. think about when you're eating out. i think you should save it for special occasions or social occasions. don't eat out every single day at lunch, for example, on the job. because if you're spending, say, $10 a day easy, there's $50 a week while you're at work. $200 a month, you know, $2,400 a year like that. save it for the weekend or do lunches instead of dinners so

sometimes people go, oh, nice restaurant. the dinner cost is lot more than the lunch cost. so hit the lunch meal. >> great budget advice. thank you. happy new year. >> same to you both. >> i'm not moving. >> every night going out t eat. thank you. see you tomorrow. >> okay. >> "closing bell" begins right now. welcome to "the closing bell." i'm kelly evans at the new york stock exchange. bill, where are you? >> guess. i'm at the wall! cnbc headquarters here where there's a lot of red today. a lot more than we saw the last couple of days but we have one day, one hour to go and the trading year. not that we are counting but we're following a rather weak market today and along with these stories. this might be the stock of the day. i will say closing bell staff is buzzing about this company for 24 hours. ever since we