The great thing about buying discount gift cards for personal use is that the decision to buy is ALL about the savings. The typical anxieties over giving a gift card are totally gone.

Although I planned to do some of our back-to-school shopping at Old Navy, I bought this Baby Gap gift card at PlasticJungle.com for a double-digit savings. Since this baby gift card can be used at Gap, Banana Republic, Old Navy, and other stores owned by the same company, it didn’t matter to me which brand was on the card–only that I could save money buying and using it.

Where to Buy Discount Gift Cards?

I’m a fan of PlasticJungle.com because of the selection and prompt delivery. But you can shop various sites to find the gift cards and discounts you need. Below are a few options:

• GiftCards.com – Up to 25% off Merchant Gift Cards
• Cardpool.com – Buy Discounted Gift Cards For Up To 30% Off!
• PlasticJungle.com – Save up to 35% at your favorite department store! PlasticJungle.com – The new way to save money.

Stack Coupon Codes and Extra Savings

Stack discount gift card savings with in-store coupons, online offers, and online coupon codes to save even more! Below are a few to consider:

• Starts 8/12/2011: Get 25% off your purchase of $100 or more with coupon code BRSUMMER25. Expires 8/16/2011.
• Starts 8/11/2011: Kids Back to School Event: 30% Off Regularly priced items with coupon code GCKIDS. Expires 8/17/2011
• Save up to 90% on Used Textbooks – Order today at BarnesandNoble.com!
• Free Shipping to Home on School Uniforms at Walmart.com!

Do you shop JC Penney or Kohl’s? If so, click over to GiftCardRescue.com and buy gift cards for personal shopping.

3 Reasons to Buy Gift Cards for Youself?

If you shop these stores anyway, might as well get 16% savings before you even head into the store. Here are 3 reasons to buy gift cards now for future purchases:

• Back to School Shopping – Ease the budget crunch that happens at the start of each school year. Both stores have great Back to School sales. So buy the gift card now and combine the 16% savings with in-store offers and you can save a bundle.
• Cheap summer clothes – We just went through the kids drawers and all are in need of shorts and t-shirts for the summer. With a 16% savings at either store, I can get what we need for less.
• Graduation or Wedding gift – Give the gift card as the gift or use the 16% savings to buy a traditional gift at either of these stores. They have everything from clothes to furnishings.

Break it up!

Wanna know a trick? You can buy a gift card with a gift card–which allows you to get a gift card that looks like new or break up the dollar amount into smaller gift card denominations. For example, get a $100 gift card at GiftCardRescue.com for $84. When the used gift card arrives in the mail, go to JC Penney and buy two $50 gift cards that look new and are ready to gift. (Plus, that’s an easy way to ensure the gift card is valid.

We have a winner!

We have a winner! “Shenais” is the winner of the Family Playtime gift card giveaway. She gets to choose from the following online games gift cards, compliments of Gift Card Mall:

• Nexon
• Sony Playstation
• Xbox Live
• Adventure Quest
• Neopets
• Stardoll

You know I’m a fan of the gift card kiosk. I did almost all of my Christmas shopping this season while at the grocery store. I saved time by not not making trips to a variety of stores. I saved money by taking advantage of gift card promotions. And I also stuck to my holiday budget (possibly the first time, ever) because gift cards are always available in my target amount. No more combing the aisles looking for a gift that fits and is priced right. Phew!

Thanks to all who voted in last week’s poll. As this press release shows, people waste time and money buying gifts that are ultimately returned or stuffed in a closet. I don’t want to sound greedy here because I truly appreciate the effort made by thoughtful gift-givers. It’s just that in this economy, when people are stretched for both time and money, I hate to see either resource go to waste.

What a Waste

We waste time and money several ways, such as:
- Time spent shopping for gifts that are ultimately returned
- Time spent standing in return lines
- Time spent looking for replacement items that may or may not cost the same amount
- Time spent online calling or cybershopping to find the given item in a better size or style
- Money spent but never recouped when a gift is returned without a receipt
- Money put on store credit that may never get used
- Money spent on shipping that isn’t refunded when an online purchase is returned

And the BIGGEST sin of all (in my opinion)

- Time and Money spent on gifts that are kept but will knowingly never be used.

I’m guilty of all of these crimes. Gift cards aren’t the perfect solution because a poorly selected gift card can be just as wasteful. But if you follow my 5 Steps to Better Gift Card Giving, you’re sure to save yourself time and money on the giving end and I’m betting that the recipient will do the same.

A Toast

So, here’s to gift cards, my friends. May we give them. May we receive them. May they afford us the chance to buy the things we really want or need without wasting so much time and money.

I don't want to feel like Michael did.

The holidays are just around the corner and I’m not ready! I don’t mean that I haven’t bought my gifts yet (I haven’t). I’m just not ready for it to BE the holidays–not ready to pull out the decorations, make “the list,” check “the list” a bazillion times and still forget something. Not ready to gain five pounds. Not ready for the craziness to begin. I’m not quite the Christmas Kranks, but I like a clean house, a simple lifestyle, and under scheduled kids. It doesn’t always happen, but it’s less likely to happen once we start rockin’ around the Christmas tree.

Goal: Simplify with Gift Cards

This year, I am going to use gift cards to simplify my life. Rather than chase all over town buying traditional gifts, I’ll buy gift cards by the armful. And with the time savings, I’ll be able to make the those gift cards more personal. I’m even thinking the kids might find a gift card or two in their stockings. Because one thing I like less than clutter, is wasting time and money. With gift cards, the recipient can buy something he or she wants. With my personal touches, I’ll feel good about giving the gift cards as well.

Goal: Take Advantage of Gift Card Offers

I’ll be on the lookout for the “Give one, Get one” (G.O.G.O.) gift card deals and might even buy gift cards from online discounters. Though I prefer to pick a gift card off the rack so I can hold it, get inspired by it, and check for fees and expiration, the discount savings at places like Plastic Jungle can’t be ignored.

Goal: Budget.

Though it’s hard to find traditional gifts that fit exactly in your budget, with gift cards you decide how much to spend and don’t have to give a penny more. I rarely blow my budget on the accoutrements that go along with the holidays, but I do sometimes go overboard on the gifts. Another reason to stay with the gift cards.

Goal: Enjoy it.

With these parameters in place, I vow to enjoy the holiday season–even embrace it’s coming. If the worst problem I have is too much holly in the hallways, then I’ve got it pretty good. And I do. I just want to simplify the gift giving and keep the budget in check so I can spend more time reveling in the the blessings of this holiday season and less time worrying about it.

Combine gift cards and coupons to save money.

With three kids going back to school (and soccer and football and scouts, etc.), my budget is tapped. We’re reusing last year’s backpacks and lunch boxes to save money, but the kids still needed a few things. So I combined gift cards and coupons to stretch the dollars a bit further. Here’s what I did:

Work It:

1. Scoured the newspaper and mailers for high discount coupons.
2. Bought discount gift cards to go along with the best coupons.

Big Savings:

For example, I received coupon for $10 off a $25 purchase at JC Penney. Then I bought a $25 gift card to JC Penney for $21.50 at Plastic Jungle.

At JC Penney, Ally found two pairs of skinny jeans for a total of $25.99 plus a must-have, embellished top on the clearance rack for $10. The bill came to $35.99 plus tax. With our coupon and gift card, however, we paid almost nothing at the register. By combining discounts, I paid $21.5o to Plastic Jungle for essentially $35.99 in merchandise at JC Penney. That’s 40% in savings.

Going Forward:

Yes, it takes a little work and forethought. Yes, a good coupon can make all the difference. But there are stores like JC Penney, Kohls, Macy’s, and Old Navy that routinely send out special promotions. If you buy discount gift cards in advance and match ‘em up with the coupons as they arrive, you can save a lot of money.

Plan Ahead for the Holidays:

With the holidays coming up, combining gift cards with store sales and coupons could be the relief your budget is waiting for.