Reminder: Cash in those Christmas Gift Cards

Remember the holidays? It's incredible that 60+ days have already passed since we were gathered around the tree or menorah with family members. While our lives are rushing ahead at the speed of light, don't forget to cash in any remaining gift certificates you may have from the holidays.

Some gift cards may start charging inactivity fees after 90 days or may even expire in the next few months. And each year, nearly 70% of gift cards are left unredeemed. That adds up to about $2 billion in money lost. Don't let your gift go to waste!

I just used the last of my holiday gift cards while shopping last night. If you can't redeem your remaining gift cards in person in the next few weeks, take a few minutes to investigate your options. Some retailers, including Gap and Target, allow you to use a gift card for an online purchase. Other retailers may let you register the card online, at least protecting you if the card is lost in the future.