Financial Tip #1: Discounted Gift Cards

In order to increase your purchasing power consider using discounted gift cards for the brands you frequently buy from.

For example if you plan to buy $100 worth of items on Walmart.com you can possibly a find a $100 Walmart gift card being sold for $95, after paying a small fee to the gift card exchange vendor you get either the e-gift code or the physical card sent to you, saving you a few dollars.

The discounts available depend on the seller and the gift card exchange but some can get up to 30%+ off, which can significantly ease expenses. 

Reminders:
1. Your budget should remain the same even if you frequently use these services due to the variability of the discounts. Using discounted gift cards is a way to save, not an excuse to spend more.
2. You should always make sure that the final total purchase price including the exchange fee is below the value of the card to ensure you are saving money.

The following sites either offer some of the highest discounts in the discount gift card marketplace:
https://gameflip.com/
https://gcx.raise.com/
https://www.carddepot.com/

The following are wikis listing comparisons between the vendors that offer the cards.
https://www.giftcardplace.com/
https://www.cardbear.com/