Well, in a weird way, the end of the Target deal will actually save me money. I will still cash out my SB for a $25 Target card each month (for 2200 SB) but I will apply it towards my household expenses instead. Then, I will use the $23.75 that I would have charged to my RedCard (in groceries) and use it to buy myself the $25 Disney gift card that I would have bought with the Target gift card. Now, since I am paying for the groceries and household expenses with gift cards, I will be more mindful of how much I am spending and I am almost positive I will end up spending less overall. I am also not going to go out of my way to look for the FWP gift card deals anymore. I may still take advantage of them if it's a product I use anyways (like soda, feminine hygiene or general beauty items), but I am not going to worry about stocking up just to earn a gift card.