Top tips

SELL any unwanted gift cards online instead of letting them expire. The website Zeek.me allows you to list as many as you like and you will get slightly less than the card value in cash for each one you sell. You can also buy discounted cards if you know you are planning to make a purchase at a particular store. But be wary of expiry dates and remember that if the store goes bust before you spend it, you could lose your money.