Gift Cards Are the New Fruitcake?

If you're thinking of giving a gift card this year, you might want to rethink your idea. It turns out that they may not be the gift that keeps on giving or the best choice for that hard-to-shop-for person after all.  

Last year I discovered that not all gift cards are created equally. While many of us believe gift cards will never expire and are as good as the cash value they're denoted with, it may not be so.


I came across a great article about the negative aspects of the gift card and thought these highlights might be worth a read before selecting them for your gift recipient this Christmas.


THE UGLY SIDE OF GIFT CARDS


1. Infinity and Beyond?- Many believe that gift cards are good forever, and most stores do operate this way and honor that policy. On the other hand, some do not and have expiry dates unbeknownst to the purchaser and the recipient. This is generally not the case with a major credit card gift card such as Visa or Amex, however some smaller stores often do implement such a restriction. If you are the recipient of such a card, it is best to mark the expiry date on your calendar and use the card up as quickly as you can.


2. Fees, Fees, Fees- Did you know that many gift cards issued by credit card companies will actually start deducting from the balance of the card if it hasn't been used in a particular timeframe? Some cards may start deducting as much as $2.50 per month after the first year! Many of these cards involve a fee to obtain them to begin with so they can be quite pricey all around. This doesn't wish you or the gift recipient a very Merry Christmas.


3. Left High and Dry- With the plethora of stores that are going bankrupt, they leave gift card recipients without a place to use their card, thus it goes to waste. A friend of mine purchased a prepaid gift card for herself to a prepared dinner club where frozen, homemade meals can be purchased, only to find out they had gone under and she had barely put a dent in her card. She found this out by dropping by and seeing a sign in the window. She called and tried to get her money back but they were unable to help her out. Before buying a gift card for anyone make sure you know the financial status of the company.


4. Some Restrictions Apply- Many retailers with online stores will not allow their gift cards to be used on the web such as CVS. These restrictions can be quite frustrating in general, especially for men who typically don't frequent stores and aren't generally interested in shopping in busy stores. Another common issue is cards purchased in say the U.S and mailed to Canada. I found this out the hard way with a $200 Potterybarn gift card that some colleagues' had purchased for my bridal shower. When I went to shop online or redeem after I had moved to the U.S., the card was only good in Canada. I had to wait until I was back in my good old home town to make my purchase.


5. He's Just Not that Interested!- Sometimes our best intentions to provide a useful gift such as a gift card may not be well received. Perhaps the recipient isn't interested in the particular store that the gift card was purchased from. Worse than this are those that ldamage or ose their cards or misplace them in a shuffle of paperwork or they are stolen, etc. Most times these cannot be replaced, but there are some companies that will help you out. If you are the recipient of a card for a store you loathe, you can sell or trade yours on http://www.plasticjungle.com/ or http://www.giftcardsagain.com/


 It's been reported that a whopping $5 Billion of the money spent on giftcards in the U.S. will NEVER be used! Shocking, isn't it? This actually happens to be the exact reason why store gift cards are so heavily promoted. Many stores recognize that many will never be redeemed AND if they ever are, the recipient will usually purchase something for beyond the amount that the card is valued at, so it is a win-win for them. Another common scenario are shoppers that make purchases with their gift card and wind up with $3.42 for example as a remaining balance. Many will never make the trip back to a particualar store just to redeem that amount so it is money lost.
Here is the original article.
 
In spite of this new found data, I will gladly accept a Potterybarn (despite my previous experience), Ikea, Whole Foods or Starbuck's giftcard any day of the week. They are solid stores that always have what I love!


How about you-have you ever had one of the above situations happen while attempting to use a gift card?

A Humble AND Merry Christmas!

At Casa Davis, this Christmas will be a humble and frugal one and I'm excited about it! It forces me to be even more creative.  During the past 3 years that we've been married we've kept everything pretty low-key with the focus being on Christ and family time together instead of presents under the tree and a whole lot of hoopla. This year in particular we have decided to forgo buying Christmas presents for each other. We truly do not need any more 'stuff'. And really, don't we all just have too much stuff? Not only does it help us keep our home clutter-free but it also saves us money too.

One thing we really enjoy doing is making each other gifts and using our talents and getting creative instead of heading to the mall or surfing endlessly online. More on that in my next post where I'll share with you exactly what we made for each other last year! We DO like to fill up little stockings so our budget is basically $20 and under. It's those little things that you feel guilty buying for yourself like a $10 starbucks gift card or a pretty new lipgloss.

We do not in any way feel deprived and do not have any expectations from other family members either. In fact, we've all decided to do a very casual Christmas exchange with our parents and inlaws. There are no children in the family so it is easy peasy and we have a small, set budget for the 5 people we'll be buying for.

I love to decorate so the fun for me has been decorating the tree and the the front porch, making some homemade Christmas decor on a budget, mulling apple cider in the evenings and curling up with some DVD's from the library or listening to a festive CD. Because we live in a high tourist area, Hubby and I also love to go to the biggest, grandest hotels and check out their holiday decor, it's always so beautiful and perfect for photo opps. We usually try to dress up and snap a few pictures. Last year our Christmas card included a fun photo of us in front of some gorgeous holiday scenery and the best part is it's free, no studio sitting fee. 

Classy women know their budget and stay within it. They don't feel the need to go into debt so they can provide flashy gifts on Christmas morning or to impress anyone so they'll feel like a success. A $100 gift today could translate into thousands down the road in compounded interest if your credit card cannot be paid off in a timely manner. I've seen this happen so many times and when January comes they are the very women who are panicking and not sure how they'll pay their rent and then get even deeper into debt. It's important to remember that your family and friends will love you no matter how inexpensive their gifts are.  In their hearts I'm sure time with you will be considered far more valuable.

How about you? What have you and your families decided to do this Christmas. Do you go all out or draw names so each family member buys for just one person? There are so many great ideas among families to ease the burden of gift giving. I'd love to hear yours so leave a comment. :)

Some of MY Favorite Things: A Random Assortment

I hope you are having a great start to your week! If you've been following my blog for a little while, you'll remember a post I did on my favorite things at Whole Foods. I thought I'd share some of the personal items in my home and it will also give you a chance to learn a little more about me too. Some items are things I use frequently and others are those that my heart just adores simply because it does.

Here are 10 of My Favorite Random Things

1. Most Comfy Shoes this Summer-I love shoes, in particular a great pair of peep-toe pumps, but the winner of most comfortable and equally stylish shoe goes to my Tommy Hilfiger Falsetto gladiator-style sandal. They retail for around $70 on many websites but I got these for a steal for only $19.99 at Ross! They are perfect with a pair of cuffed shorts and a top, a long maxi dress, a long shirt and tights or a pair of skinny jeans. I wear them almost every day. Thankfully I live in Florida where I can wear sandals almost every week out of the year.

2. Favorite Way to Stay Healthy-Aside from eating nutritious, organic foods and exercising as often as I can, my favorite way to stay cold and flu-free is to consume a lot of garlic. I'm not talking about a little bit of roasted garlic in a prepared recipe, but full on raw garlic cloves (and several of them) on top of almost anything. I usually crush up several raw cloves and put them on top of an already heated up soup, a fresh salad, or another dinner item. Raw garlic reduces illness, increases immunity, kills parasites, and has even been proven to shrink tumors and ward of cancer! The key is to eat it raw and not heat it, otherwise it loses most of its medicinal qualities.The best part is I pay about 25 cents for a bulb of garlic. I do not have medical insurance and I have not needed to visit a doctor in the 3 years that I've lived here. For obvious reasons, I avoid eating it if I'm visiting clients. Thankfully my hubby is on board and loves it equally as much!

3. Most Used Kitchen Tool- Many would argue that a food processor is their favorite kitchen tool, and I have to agree that it is an amazing tool and I know I'll get far more use out of it one day when I'm making homemade baby food, but until that time comes, my garlic press is my go-to gadget. I use it almost every day and my new OXO press is my favorite by far. It has a no-slip handle and it cleans up quickly and is heavy duty.

4. Favorite Decor Item-I am a sucker for anything costal and beachy, which you might remember from my getting personal post. I love, love, love starfish and was super excited to see some live while snorkeling in St. Thomas. While it is not ocean-friendly or eco-friendly to use real starfish as decor, I have used Pottery Barn's white finger star fish in several places in my home. They look like the real deal without having to harm any sea creatures for our viewing pleasure. I bought mine at their end of season sale. I use them in hurricane vases with sand and a pillar candle in the summer months, leaning against a set of frames on a shelf, and I've even had one in an apothecary jar in my bathroom as well as on the side table in our living room. Lots of fun things to do with them!

5. Favorite Starbucks Beverage-Although I'm not a coffee junkie and my budget doesn't allow for frequent purchases of their wonderful drink indulgences, when I do stop by, I have several drinks I enjoy such as the Chai latte made with soy, or the pumpkin spiced latte and the super sweet peppermint white hot chocolate (it's heavenly!), but my favorite is a drink for the summer months called a Grande Caramel Light Frappuccino, no whip. You can also dress it up with some whip cream and a drizzle of caramel for added decadance. They have a 'regular' version with a lot more calories which I have never tried because I'm sure after that the light would taste well, light. Right now it is the perfect amount of caramel, coffee and sweetness and it does not taste weak or watered down. Here is how you can make your own.

Image Source

6. Most Lovely Flower-I adore peonies and was crushed when I realized that I wouldn't be able to use them in my September wedding 3 years ago. I really longed for pale pink peonies. *swoon* I settled for blush roses that day, but I try to bring them into my home whenever possible while they are in season during the early summer months. Being that I live in FL, they are hard to come by. My old home in the Toronto area had peony bushes along the side and front which I couldn't wait to clip and put on display.

7.  Most Used Gift- Based on what comes to mind at the moment, I'd have to say it was a birthday gift that my husband purchased for me two years ago which is a large brown coach mongram wallet. I saw it in online originally and he surprised me with it and was able to grab it at the outlet store, so it turned out to be half the price, gotta love that! I have a cream leather handbag that I use a lot and this goes really well with it, as well as brown one and a few other colors as well as a small matching coach bag that I bought for a steal also. I do have a black favorite too for my handbags/clutches of that color scheme.

8. Inexpensive Glamour-When I decided to decorate our guest bedroom/my office, I wanted to add a bit of glamour to an otherwise boring room at the time. I wanted it to inspire me to paint the walls, the furniture in the room and all several other touches of glam. This little chandelier from Ikea for just $39.99 did the trick. It looks far better in person than this website photo and it has inspired me to transform that space. It has a wonderful sparkle and it provides just enough light without being too much, considering I have two windows in the space already. It would be perfect for a teen, toddler or baby girl room too. Since our guest room is our only 'spare' bedroom, this would be a future baby's room, so here's to holding onto the faith that it will be a girl, then she can enjoy the lighting too. :)

9. Newest Monogrammed Item- A couple weeks ago, I picked up this fun letter 'K' at Marshall's in the clearance section. It had a slight dent in the wood in a fairly inconspicous area, so I purchased it for $7. It is temporarily living on our guest room nightstand until I paint the room a lovely shade of pale blue and then I will hang it above a set of vintage hooks I picked up at a flea market near the door.

10. Must-Read Decor Magazines- My favorite decor magazine(s) are actually from Canada. One is called Canada's Style at Home and the other is Canadian House & Home. I had a subscription for many years before moving to the U.S. At the time I really enjoyed being able to find the items in local retailers vs. trying to hunt down items that were only available in the U.S. I do have several othes I enjoy such as Coastal Living and Better Homes and Gardens, but those are the two I pick up every time I fly home from Toronto after visiting friends and family!

Tell us some of your favorite things! Do you have a favorite pair of shoes you can't live without or a pair of earrings that go with everything you own? We want to hear from you!