Not sure if I'm smart or just a cheapskate

Smart.

Brilliant!

good guy

That's being really nice! You're so sweet!

No sir you are none of the above. You are einsten recarnated

Why not both?

Seems like a big hassle to me. Why not just use the cards when you get em and just spend money next year? You aren't "saving" any money this way. You are still receiving X amount in gift cards and sending out X amount in gifts. Guess if you are just super terribad with finances it might make sense to save the cards since you don't see them as cash on hand to spend. Meh

Wrong use of a confession bear.