If finances are tight and that extra 2 percent payroll tax is going to chip away at your budget, then you may be looking for ways to bring in some extra cash this year. CNBC personal finance correspondent Sharon Epperson has five ideas for you. Number one on her list – trade in gift cards for cash. If you received gift cards in lieu of gifts for Christmas, you can trade them in for cash. The best cards can earn up to 92 percent of card value on trade-in sites like CardPool.com and PlasticJungle.com.

Photo: bfishadow/Flickr

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