Big news, ladies and germs ... my favorite Web site in this crazy world, My Total Money Makeover, just rolled out their newest goods. I'm talkin' about My Money Tools 2.0, baby. It's the best thing to happen to money since cash.

Let's check out the merchandise. The new Integrated Budget/Expense Tracker means you can record and see exactly what you bought, when and where. No more question marks about where that 20 bucks from last week went. The money plan and categories are even more customizable. Plus, you can archive past budgets, so you know more about how much dough you spend at certain times of the year. If you're new to setting up a budget, the Budget Wizard will walk you through it.

Package it up and I'll buy it, baby. It'll teach you how to make a budget, how to save money, how to get an emergency fund and pay off consumer debt ... the whole shebang. Don't be a sucker, jack ... sign up; and don't forget to listen to The Dave Ramsey Show.