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Think about me enough. >> i personally am not a fan because i have a drawerful of gift cards. but i do understand the ease, especially if your family is far away. >> you're good with the gift card. >> not that i'm hinting. >> in case you need it. >> is it fugaze? >> i didn't make up the word. it's a real word. >> it's not a word. >> it a real world. >> it's a cuomo-ism. >> you know what i deal with here. if you can't pay for it by the end of january, give your family the christmas gift of financial security and don't buy it. >> what about when they say no payments for a year. no, it's not free...

>> yes the restocking fees are very careful. if he gives you a big toaster oven, don't open the box if you want to return it, because you want to make sure it's all sealed up. >> if he gives you a toaster oven for christmas, there's a whole other conversation you need to have. >> gift cards. >> i held a lot of gift cards in my top drawer that i don't use or shop at that store. you can turn it into money. >> what? >> there are all kinds of websites that will buy these, trade these for a different brand. >> is this black market, secondary, illegal. >> card hub is one of them. there's a whole bun...

The grill and whatnot. you are looking at paying 30-60 percent markup. you are paying for convenience. when it comes to vegetables you are also losing out on some of the nutrients when they are cut up and prebagged for you. if it only takes you 5-10 minutes do it yourself you could save a bundle of money and if time is an issue pick a saturday or sunday afternoon and do all of your chopping and shredding of your cheeses or take the big potato chips and put them into zip-loc bags. oo bean and stretch your way to bert prices. >> they put more at the eye level of the consumer because it's the fir...

Also actually register it at creditcard.com. they have a yourwallet recovery tool which will alert you and give you tips on how to recover that gift card if it gets lost or stolen. oftentimes you can bring the receipt to the retailer and they can reissue it. >> clayton: also on the screen we had exchange cards for cash. you can get cash for it? >> you would think it's an easy one to nail, but oftentimes you receive it for a store you don't have. you can go on-line to gift card granny.com and sell that gift card for cash. you'll get up to 92% of the value, so you lose a little bit, but sometime...

Putting money towards that. if you don't have any debt or savings to worry about you are all set for retirement in college you are going to spend it. >> sometimes you need to spend the money. maybe you need to replace a kitchen eappliance or buy a car. you can go on-line and buy gift card granny.com. save 50 percent off of sears, macys and movie theaters. you can find on-line coupons at a site called free shipping.org who has money coupons. consider using a credit card which will give you something back. the mercedes we have will give you 5,000 toward the new car purchase and other rewards...