Is one of your New Year’s resolutions about spending money more wisely?
Financial analyst Vera Gibbons offers a number of tips that might help you to survive a holiday debt hangover, some of which will give you cash in your pocket right now — redeeming reward points on your credit card, changing your withholding allowance in your paycheck, selling unused gift cards, and refinancing your mortgage.
(WATCH the video from TODAY on MSNBC)