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 and rea

much, we love it and we won't tell. >> that's the way to go. >> thank you, stacy tisdale and emle ma johnson. >>> up next, we are "on the money." promises to keep. financial resolutions for the new year to pay off in more ways than one. trucking industry. sentence, but at go daddy, this domain name is the beginning of something awesome. you can create a website. open an online store. build your brand. you can even connect the domain to your linkedin or facebook page. at customer support we are always ready to help. what would you do with your domain name? get a dot com dmaim domain for $2.# 9 $2.99 for the first year at godaddy.com. >> isn't it beautiful when things come together? build a beautiful website. >>> the new year is around the corner. thinking about your resolutions. it can certainly pay off of those who made financial resolutions in to 15, fidelity study finds nearly half have less debt and are in better financial shape than they were last year. joining us nows, fidelle ti senior vice president of retirement ken herbert to talk about resolutions people are making and keep