Making the best of those unwanted gift cards.

In this modern age, it's hard to get through a holiday season without receiving at least one gift card (I got four myself). But do you know all the applicable federal and state laws surrounding gift cards? Of course not, and that's why this handy state-by-state guide to gift card law is so awesome. For example, here in Washington state, gift cards are redeemable for cash if the value is $5.00 or less - good to know if you assumed you HAD to spend down to the last penny (and end up spending your own money to cover the difference on that last purchase).

Lifehacker has a good article on ways to make sure you use your gift cards to their fullest, including electronic reminders when you're close to an expiration date.

And if you have a dog of a gift card that you know you'll never, ever use in a million years, consider using a trade-in site like Plastic Jungle to exchange it for one you actually will. Yeah, you'll lose a bit of value on that card, but you'll end up with something you'll really use.