two major websites very popular, very safe, mint.com, millions of people are using it and yodeli. automatically, show you where your money is being spent and many banks are doing this. citibank announced they've got a program so check with your bank and see if there's a way you can automatically track expenses. most banks will allow you to download to quicken. this is the year 2012 to do it. >> i spend way too much on restaurants i got to fix that next year. radically reduce expenses by giving up something? >> one of the fastest ways to cut your overhead in 2012 is pick one thing to give up. nobody wants to do this but give up one thing. classic example, cars, many families have two or three cars. giving up one car can save your family $5,000 to $10,000 a year in expenses. now you say i can't give up my car. what could you give up. yes it's going to be hard but if we give it up, it will radically change our financial lives. >> clean it out and sell it. >> so many of us, millions have storage facilities with stuff sitting in them we never look at or think about. get rid of that stu