Holiday tip. I have mentioned this before, but just reminded myself with a purchase. There are several sites that offer discounted gift cards for many popular merchants. I use ABCgiftcards, cardpool, giftcardrescue, and plasticjungle . Besides the posted discount, I use an ACH payment to add a 2% savings. This is literally buying cash at a discount and can be used with any other coupons and promotions. It adds up to real money. Besides holiday gifts, I purchase Home Depot cards in bulk for business.