Gift cards can be a busy (or forgetful) person's ace in the hole. But the recipient doesn't have to know you only paid $44 for that $50 Applebee's gift certificate. Sites like GiftCardRescue.com
offer anywhere from 3 to 30 percent off the face value of cards from dozens of restaurants and stores. It's also a good way to snag a deal for yourself, e.g., stocking up on $86 worth of shoes from Payless for $68.