Sites of the Day: Sell Gift Cards, Cut Utility Bills and More

The average yield on CDs dropped again this week, with the 1-year CD falling to 1.75% from 1.79%. And the 5-year CD declining to 2.53% from 2.62%, according to BANKRATE.COM.

If you have gift cards collecting dust, turn them into money at GIFTCARDRESCUE.COM. The website is a shopper's delight that lets you sell or exchange unused cards.

Want the inside scoop on whether refinancing your mortgage will save you money? DINKYTOWN.NET's mortgage refinance calculator lets you calculate your mortgage refi breakeven point to determine whether refinancing is right for you.

Need to know who owes what among a group of your friends? DE-BEE.COM lets you keep tabs of who picked up what check among different groups of friends so that no one ever feels like they're entertaining a freeloader.

Your home computer uses a lot of electricity, and that translates to higher utility bills each month. MAKEUSEOF.COM has 5 ways to reduce the power consumption of your lap- or desk-top, helping you to stretch your dollar.

Watch On The Money every weeknight at 10p ET for more useful sites