20-dollar-billsIs 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)


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