Ideally, when you get a gift card, you should use it as soon as possible. But, few people do. And in the time between purchase and redemption, sometimes, the worst happens. The restaurant where you have the gift certificate closes. What can you do?
You don't have to go Scrooge just because you're hurting for cash this holiday season. Instead, make "necessity is the mother of invention" your December mantra and pull together gifts that are inexpensive but personalized.