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This year, Utah's My529 plan has gift cards.  Marketing Director, Bryn Ramjoue, says My529 not only pays for college tuition, it will pay for just one class or even monthly internet fees if it's needed for a student's computer.

To find out how you can save to study abroad, complete a one-year certificate program, like beauty school, or a 4-year university degree, go to savingforcollege.com.

You can follow this show on Twitter and on Facebook.  And to see what Heather does when she's not talking money, go to her personal Twitter page.

Be sure to email Heather your questions and request topics you'd like her to cover here.