with tips on how to return gifts is emma johnson who runs the blog wealthy single mommy.com and stacy tisdale from black thanks for joining us. >> thank you. >> i want to start with you, emma. etiquette? there are things under the tree that i really don't want. >> it's really about being kind, grate fulful and gracious. sometimes you can return the gift. how often has someone said, look, if it isn't the right size or color, i have the receipt. take them up on the offer and go for it. >> i give a lot of gift cards. i hope the people don't want to return them. but there are places that i know i'm never going to shop at. should i save it? what should i do with a gift card? >> luckily with a gift card you don't have the social awkwardness because the person who gave you the card doesn't know what you spent it on. can do with a gift card if you got it from a retailer you don't want. still, it's estimated that americans left $43 billion in unthe redeemed gift card value on the table since 2008. $43 billion. gift cards bring out our inner hoarder. i will save it now, use it later. be present

emma bo-bemma banana-fana-fo-femma fee-fi-fo-femma em-ma good. yeah? you did a really good job, okay? [ female announcer ] to nurses everywhere, thank you, from johnson & johnson. all the hard work... time in the service... community college... it matters. it's why we, at university of phoenix, count your r relevant rk and college experience as credits toward your degree.e. and off you go, and off you go, and off you go, for every step, every stride, every start, begin strong with the lasting energy of 100% whole grain quaker oats... feel a cold coming on? new zicam cold remedy nasal swabs orten colds with a snap, and reduce symptom severity by 45%. shorten your cold with a snap, with zicam. it takes a lot of work... to run this business. i'm on the move all day long... and sometimes, i just don't eat the way i should. so i drink boost to get the nutrition that i'm missing. boost complete nutritional drink has 26 essential vitamins and minerals, including calcium and vitamin d to support strong bones and 10 grams of protein to helelp mainta muscle. all with a great taste. i don't plan on slowing down any time soon. stay strong. stay active with boost