As for me, I always have like a gift card of some sort that is only specified to some stores. Unfortunately these are the high price stores and it's better I spend my own cash, which I just happen to accumulate suddenly (found $2, apparently someone owed me $5, someone wants to buy my R4 for $40,spare change, etc) and gets me large amounts of money over 2 or 3 month period (about $200). So I use girt card money to buy chocolate instead. Because seriously (Rhetoric) what gift are you gonna get yourself from Coles (lol)?