paper iou's paper checks why not do away with those and do a social payment service. you can actually send money receive money from your bank accounts to any one you know your baby-sitter nanny family members friends. you need their cell phone number e-mail address simple as that no paper clutter. >> clean out your drawers. >> you may have gold, jewelry. 1600 an ounce. maybe get a little cash back in your pocket. you may have gift cards. the average household has 300 gift cards. you can redeem those go to flight like plastic jungle you can get 90 percent of the value or get tskip the middleman and ebay or craig's list. maybe it's a store you don't like. >> clean out your safe deposit