Next Christmas -- or during the year's birthday gift-giving -- you may want to rethink your use of gift cards. "The researchers CEB TowerGroup said consumers spend about $130 billion on gift cards a year, but about $1 billion is lost. The billion dollars is burned up through non-use or spending part of the balance, then letting the rest lapse," according to a story in the New York Post. Also, "read the fine print on these cards" to spot inactivity fees, along with expiration dates.