Did you get a bunch of gift cards this Christmas that you're unlikely to use? You can swap them for other gift cards or even cash on sites like GiftCardRescue.com and PlasticJungle.com. You can also donate them to charity.
The average American family owes more than $8,000 in credit card debt. If you find yourself relying on credit cards for all of your purchases, you may be addicted to credit cards.