Shop Old Navy stores through Jan. 22 and get $10 in Super Cash for every $20 you spend in the store. Take advantage of the 75 percent off clearance deals and then come back and shop for new styles. For example, spend $20-39.99 and earn $10 back; spend $40-59.99 and earn $20 (maximum earnings $30).
I have a knack for finding sales. I love the thrill of a season's end clearance, the joy of a sample sale and the rush of a closing store. That does not mean I spend less money than others. I leave that to those of you with self control.