Mint.com

 Okay this isn't going to be the most exciting post ever, but do any of you use Mint.com?  If not you should...really.  It is a free website that tracks what you spend and then you can log on and categorize all of your purchases and find out how much you really are spending.  It is really eye-opening.  I've been using this site for years and I about died the first month I used when I saw what we were actually spending on food etc.  I guess it is my inner-accountant in me that makes me love this site, because nothing drives me as crazy as when people don't track their spending.  And this site just makes doing that, that much easier.  So use it, its great.