Now that the holidays are over, you may have an interesting decision on your hands: What to do with those cash gifts?

Just like on your birthday, some relatives like to give you money as a present. Tucked inside an envelope along with a greeting card, you might find a few crisp bills or nice little check. Eureka!

This is a grand opportunity for you with many options. You could spend all your loot on one thing. Or you could buy something that you and your family can share. You could keep the gift around as pocket money.

You could buy something that you need and will use for a long time. Although they may cost a lot, investment purchases like a bicycle or a computer program will serve you well for years.

You could also donate some of your gift to a charity and pass it forward to an organization that helps people in need, an animal shelter, or an environmental group. That way your contribution will be a gift to the entire community.

You can also put the money to work for you by depositing it into your Fortune Finders Account. Your account at Wescom offers a couple of smart saving choices to think about. Your money will earn dividends if you make a deposit to your Savings Account, no matter the amount. That means your balance will grow, little by little, for as long as your money is in the account.

Or if college is in your future, you could open a College Savings Certificate with as little as $250 and earn dividends for tuition or books. This kind of certificate will earn dividend interest for many years before you need the money.