Do you have a sock drawer full of unused gift cards from the holidays? If so, you're definitely not alone.

Some experts believe that consumers leave over $5 billion on gift cards each year. That's a lot of unused dough! However, thanks to a new Seattle-based startup, TangoCard.com, you'll no longer have an excuse to let another penny go unspent.

The excitement of Christmas has come and gone, but there's still one week left in 2010. In fact, this is the perfect time to not only reflect upon the previous year, but to also look ahead and set some personal financial goals for 2011.

Do you still have lingering credit card debt? Are your credit scores down in the dumps? Do you have a child that will be heading off to college in just a few years, or are just you not saving enough for retirement?

Americans love to return things. It's part of our shopping culture. Try buying something in Asia and then returning it a few weeks later because you decided the color just wasn't right. They'll look at you like you're crazy!

Return policies become especially important to us around the holidays. If you bought an expensive dress for your wife on Black Friday, you wanted to make sure she would have plenty of time to return it when she opens it on Christmas morning and nearly gags at its pure ugliness, right?

Advertisements promoting zero-percent balance transfer offers can look quite appealing when high-interest credit card debt is keeping you up at night. What could be better than transferring your debt to a credit card that won't charge any interest for a year or more? Apart from stumbling upon a hoard of cash that could be used to pay your balance off in full, not much.