The number of accounts I have between checking, savings, investing, as well as debt accounts like credit cards, car loan, mortgage, etc is daunting to track and fully understand your finances.
A web site offers for free to track all your finances, help categorize, and automatically monitor spending. In under an hour, you can easily have a full view of every transaction and your total net worth. The web site is called https://www.mint.com/ . They use high encryption, and represent bank level quality protections.
So make it your new years resolution to get organized, track, and tighten those budgets. For a penny saved adds to your 0.1% savings account earnings.