Issue link: https://www.epageflip.net/i/1061963
The holidays are a wrap, and the gis have all been exchanged. There's no time like the present to start those post-holiday to-do's: Check credit card statements 'Twas the season for fraud. Make sure you check statements to confirm you were charged correctly for holiday purchases ‒ especially online transactions ‒ and that there are no extra, unauthorized charges. en shred your receipts (assuming loved ones don't need them for returns). Use gift cards By law, gift cards can't expire in less than five years – but there are still good reasons to use them now. ere may be non-use fees over time, and there's also a risk that the company could go out of business, or that you could misplace or forget about the card. As a reminder to use it, keep your gift card in your wallet next to the debit or credit card you use most. Hang on to used prepaid debit or credit cards It's tempting to toss a Visa® gift card, for example, once you've used it up. But if you later return items you bought with that card, it's likely the store will issue your refund directly to that card – which you can't use if you no longer have it. Return, donate or trade in unwanted gifts Don't put off returns, as there's usually an expiration date. For unwanted gift cards, you can mail them to sites like Gift Card Granny and Cardpool in exchange for cash or a different gift card. Document charitable gifts If you made a charitable donation on behalf of a loved one as a gift, you may be able to deduct the donation to reduce your taxable income. For more information, visit the IRS website. Get ready for next year As you're cleaning up, update contact information from holiday cards or envelopes before tossing them and save bows and gift bags for re-use. Also, consider a Redstone Christmas Club Savings Account to ease next year's purchases. r e d f c u.o r g | 11 Visa is a registered trademark of Visa International Services Association. POST-HOLIDAY TO-DO LIST NO SPENDING REQUIRED