This one take some discipline, but it works great if you have a credit card with a rewards/points program. First you need to accumulate points quickly. You do this by paying all of your bills with your credit card. From groceries to telephone, you’ll gain points more quickly than you thought possible. You just need to be very good about paying off the balance each month. Once you’ve earned enough points, you can start rewarding yourself by selecting gift cards for your favorite restaurants.
I suggest waiting until you’ve earned enough points to treat yourself to a card worth $100. Typically, you’ll find that this has the best point to dollar value.