If you spend more than a few hours a week online, your time could earn you free gift cards that could cover someone’s anniversary, baby, birthday, Christmas, Mother’s Day or housewarming gift.

If you live in Canada, the UK or US (sadly it’s restricted to those three countries so far or I would sign up in a flash), you can sign up for free with Swagbucks.

You earn gift cards - and plenty of other merchandise which could be good to cross off certain gift-giving obligations (such as those endless children’s birthday parties for example!) - simply for surfing the net.

After registering, you install a Swagbucks toolbar at the top of your screen. It will give you results from Google and Ask.com which will periodically allocate you a certain digital dollar value per search. You can also earn SwagBucks by referring friends to join, filling out polls, shopping in the Swagbucks mall and recycling mobile phones.

Facebook, Twitter and other social media websites have made it possible for everyone to know about an amazing deal in your neck of the woods or your area of interest.

A number of US social media merchants have sprung up where merchants can entice new customers to try a new product, get an amazing deal on a close-out item or to be one of the first to trial a brand-new service.

The biggest and best-known are Groupon (which pays you $10 if you refer friends), LivingSocial, BuyWithMe and NimbleBuy.

You simply sign up with one or more of them to get daily emailed deals for your city (or for national and/or online-only deals).

Is there a catch? Natch. To make it worth the merchants’ while, they require a minimum number of customers to ”buy in” to the deal. So if you’re keen say to pick up a luxurious massage in Miami or a baby hamper in Baltimore for a ridiculously reduced price, you’ll need a number of others in your area wanting that same thing.

Which is where social media comes in. You Twitter it and/or facebook it like crazy to your mates and get them to pass the word on so you can all benefit from the low, low prices.

This could be great if you’re seeking some bargains on upcoming gifts for an anniversary, birthday, christening, engagement, Mothers’s Day, new baby or wedding gift.

It’s In The Stars is seeking a new couple to Be the Face of LoveStars for 2010: could it be you and your partner?

You could win a $AUD500 gift card to spend at your favourite retailer, or one of 5 x BabyStars boxed gift certificates worth $109 each to redeem for your own BabyStars report or to give your favourite new parent for their new baby or as a unique christening gift.

LoveStars reports make ideal personalised gifts for an anniversary, birthday, engagement, Valentine’s Day or wedding and yes, you will need to have one of your own (or borrow a friend’s LoveStars report) to take part.

Set up your camera timer so you can take a great shot of you and your partner enjoying reading your LoveStars report - maybe you’re wearing your wedding outfit, curled up on the sofa, or in a hammock!

For your chance to win, you’ll need to email at least one shot in low resolution (72dpi) and high resolution (300dpi).

Click here for more details. Competition closes 31 March 2010.

As you can probably guess, gift-giving is a pretty big hobby of mine but for some people, it’s not so easy let alone enjoyable!

LeverageCard is a very handy website which combines a few time- and money-saving features to do with gifts.

If you’re likely to forget it’s Aunt Martha’s birthday again, or you’ll be in the doghouse if you overlook your anniversary once more, enter all the key dates in the Calendar section and they’ll remind you when it’s coming up. I estimated a lazy 23 gifts that I have to budget for and remember - you could have many more!

Got a gift card or three lying around in your desk drawer? And lemme guess, you’re one of those people who forget (arghhh! how can anyone forget!?) to use it…Don’t be an ungrateful gift card recipient: Enter the store, value and expiry date in Gift Cards. You can buy, swap or check its balance and in some cases, earn interest!

Belong to a couple of airline and hotel programs? (I have a rapidly dwindling account with United Airlines (mainly because they don’t have a gift program that I can cash them in for) and now concentrate on Velocity which is tied to Virgin Blue, Atlantic and Emirates which offers flights, accommodation AND gifts.

Get all your updates in one place, see how many points you’ve earned (which could pay for an upcoming birthday gift or maybe you could put something away for Christmas?) in Points & Miles.

And finally, based on the gift cards and loyalty programs you belong to, you’ll receive targeted offers in the Offers & Savings section.

Sorted!

Too many people complain that manners have gone out the window but one crafty (and seemingly thoughtful) way to get them to send you (and others) a thank you card for their anniversary, birthday, christening, Christmas, engagement, housewarming, new baby or wedding gift is creating personalised stamps with their faces on them! 

Get a sweet shot of their littlest member to join the family, of the couple looking super glamorous or maybe it’s your favourite one of yourself that was taken years ago when you weighed less and had more hair. Who cares!

You can order them from Royal Mail in the UK from just GBP7.58 for 10 stamps, from Australia Post for $AUD24.00 for 20 stamps and from Zazzle for the United States Postal Services from $US18.95 for 20 stamps.

You can now even put your logo in there so a sheet of these could be a great gift idea for a friend or family member who’s just begun their own company!

If you’re one of the 19% of consumers who received a dud Christmas present (and you’ve managed to get hold of the receipt), you’d better get cracking if you want to return them for a refund!

While some stores will allow refunds up to a year later, many will refund goods brought in their original packaging (hmmm - how often does that happen!?) and tags up to the end of January.

Other stores won’t give you a refund at all but merely an exchange or credit for something else in their store. According to the US National Retail Federation, American retailers took back an estimated $17 billion of unwanted gifts. What’s more, 17% of retailers have tightened their return policies.

If you can’t get cash and you really don’t like the item nor feel you could regift it to another, think carefully how you could use the credit note to “purchase” another gift which will save you spending your own money. You could always select one of the items there for Valentines Day, your anniversary, birthday, Mothers Day or even for Christmas 2010.

If you live in Sydney, Australia or will be travelling there with your partner between now and 31 March 2010, book into the Medusa in trendy Darlinghurst in Sydney.

It’s In The Stars has teamed up with Contemporary Hotels so that guests staying at this contempory luxury boutique hotel can receive a LoveStars astrology report for couples as part of the LoveStars of Medusa package!

Ideal for Valentines Day getaways and anniversary celebrations, you’ll receive one night’s accommodation in a Deluxe room, a LoveStars report (after supplying your birth details), upon arrival, Aveda products in your room, newspaper and Lindt chocolates, complimentary use of Fitness First Gym and Cook & Phillip Pool, late checkout (subject to availability) for just $240 or you can upgrade to a Premium Deluxe room for $290 per night or the Grand room for $340 per night.

OK, well I guess this appeals to the nerd in me but I love a list!

Considering we’re just two weeks into 2010, and it’s oh, 49 weeks to Christmas, now is a great time to set up a gift fact file on your friends and family. You can use it for anniversaries, birthdays, Valentines, graduations, housewarmings, weddings too.

So what are some of the things you should take note of, ask or discuss so you give them someone perfect (or close to it)?

1. Favourite colours. My younger nephew loves red, the older one goes for green while my niece is a sucker for pink. Makes it easy knowing this when it comes to cute t-shirts etc. Same goes for adults. My brother thinks pink and purple (not worn together) are completely gay. My stepmother won’t wear anything with a floral print, thinking she looks like a sofa. Dad is mad on chocolate brown and navy. Easy. Make a note of what colours they love to wear (and particularly the ones they look good in ie don’t forget it is your chance to help them wear something that suits them and stops hurting your eyes). Hint: it can be an insight into their favourite decorating colours, too.

2. Favourite metals. No, I’m not talking about Black Sabbath! If you’re giving jewellery, think back to whether you’ve ever seen them wear silver. Do they prefer yellow gold to rose gold? In home decor, are they a silver-frame kinda girl or do they go for brushed steel? It’s not just the metal, it’s the way it is finished that can make all the difference between a dud and a great gift.

3. Favourite decor. If your little niece’s bedroom is pink gingham, her mother is not going to appreciate something batik. Do they like French provincial? Then they won’t appreciate anything that belongs in an architect’s office. If they mention they’re buying new furniture, ask a bit more. Have their tastes changed? Are they buying more of the same style? A white mohair throw won’t suit people with kids. A gift certificate for more storage accessories (Howards Storage World is great) will suit almost anyone.

4. Size. Kids under 15 years old change rapidly. If you’re buying clothing or shoe sizes, ask within 2 weeks of buying and giving it to them. You never know when they’re going to have one of those crazy growth spurts. If you’re planning on giving your girlfriend or best friend lingerie, if you live together check the sizing on her underwear on washing day. Some brands, like Country Road and Sportscraft, are known for vanity sizing so if she’s really a 14, she’ll be delighted to fit into their 12. Sneakers tend to be one half-size bigger. I’m normally an 8 1/2 but need a 9 for trainers.

5. Fragrance. Mum has no sense of smell so I get all her perfume gifts. Jo is allergic to anything not made with essential oils. Kirsten doesn’t wear it. Next time they smell particularly good, ask them what they’re wearing. You could always give them the soap or moisturiser that goes with that fragrance. Know they like spicy style perfumes but still afraid to guess? You could always give them berry-scented candles or pot pourri.

6. Flowers. My stepmother loves violets. My sister-in-law is partial to camellias. I love oriental lillies. My grandfather however associates lillies with death and can’t bear them. In fact the only flowers he has in the house are silk ones which are getting awfully dusty. Check if they have allergies!

7. Foods. A homemade dish can be ideal if you know what they love to eat. My sister is vegetarian. David swears he won’t eat quiche. Audra prefers savoury snacks and strong coffee while Kate has a real sweet tooth and prefers herbal tea. Caz hates pate while our pregnant neighbour can’t eat brie right now and Jo is allergic to peanuts. If your best friend only likes green M&Ms for example, they sell packets of M&Ms in red and green colours at Christmas. Pick out the red ones, wrap the rest in a cellophane bag and there you have a very sweet (literally!) gift.

8. Music. Are they into their iPod or do they prefer vinyl? Are they fans of one era or do they have wider musical tastes? An iTunes card might suit some people while others would prefer the CD soundtrack of that really cool movie you saw together.

9. Hobbies. Do they like outdoorsy, camping type weekends? Do they potter around market stalls looking for antique objets d’art they can pick up for a song? What about gardening? Or doll collecting? What hobby would they do if they had more time? How do they like to see themselves (everyone has a fantasy version).

10. Books. The first clue is: if they picked up the newpaper on the weekend - what section would they flip to first? The business section? They might prefer the latest book on wealth creation or on creating your own business. Hollywood gossip? Juicy, unauthorised biographies could be the ticket. Those who flip to the home & garden part could appreciate a beautiful coffee table book on New York/Paris/Tuscan/Thai/Scandinavian living etc. Do they read their stars religiously? What about giving them an astrology report for Valentine’s Day? If they just like reading the news, what about the latest Guinness Book of Records or a Life picture book.  The travel section? Indulge them with an Eyewitness Guide or a Lonely Planet on their favourite city/country/continent.

Now that our credit card bills are about to arrive(!), January is a great month to have that discussion about money, spending, saving and issues such as gift-giving with your partner. On Friday 22 January there will be a very helpful Venus trine Saturn aspect.

Venus rules love, money and possessions aka gifts, while Saturn rules responsibility, thriftiness, planning and caution. When these guys make a beautiful trine, it is the PERFECT time to discuss gift-giving and a workaround that will please both parties.

Saturn is the Headmaster of the zodiac on a good day and so he treats everything as a lesson or exam to be mastered.

“Gift-giving is incredibly important to me as it lets me show my love and appreciation for others. You would rather save the money for our future.” Discuss.

Alrighty then. On 22 January, why not tackle the gift-giving issue in alphabetical order.

1. Anniversary gifts. Unless you’re a newlywed, most couples stop giving each other traditional anniversary gifts after the first three years and then prefer to go away for the weekend (which, ironically, is more expensive). If it’s not your first, second or third, and it’s not a big milestone like a 10th, 15th, 20th or whatever, perhaps you can agree to have a nice dinner instead. (Obviously you want to agree on this so you can be around to discuss anniversary gift-giving all over again next year.)

2. Birthday gifts. I realised that I’ll be buying a minimum of 19 birthday gifts per year which frankly horrified even me so if you have a partner (and he makes you buy all the gifts for his family, too), you could be up for a lot of gifts.  First make a list of each person you like to give at least one birthday gift to. Multiply that by a modest $50 to get your total. Once you’ve picked yourself off the floor, you may want to put a couple of rules in place. Perhaps you give only gifts to those friends you see at least once a month, and send cards to those you see less often. Or you replace gifts for friends with dinner at your home? Keep in mind that birthdays are the gift occasion where people are most likely to give personalised gifts so it’s worth planning ahead when there’s a special promotion on and to put away ahead of their birthday.

3. Christening gifts. These won’t happen every year thank goodness but you might decide to give gifts only if you live in the same city or base it on your closeness to the child.

4.  Christmas gifts. The Big Kahuna. For your own family you might discuss replacing what you spend on Christmas gifts with the equivalent on a family holiday, or lots of little things for one big-ticket item. Buying gifts only when they’re on sale. Or doing a Kris Kringle. Or setting up a Chrisco account. Or perhaps having a garage sale or selling stuff on eBay to finance Christmas gifts ie you don’t use your savings.

5. Engagement gifts. Again, these won’t happen every year but the woman will get engaged faster if she’s Generation X.

6. Fathers Day gifts. Can you take both Dads out to lunch on the same day to make a family affair and make that the gift? If you have to cut back on gifts somewhere, Father’s Day is the gift-giving occasion least likely to upset your father.

7. Mothers Day gifts. Hmmm, a lot more fuss is necessary here… She is your mum, after all.

8. New baby gifts. Work colleagues spend less per person when they contribute to a group gift whereas family and friends spend more on new baby gifts! Perhaps what gifts the new mother really needs are not cute hanging mobiles…

9. Valentines Day gifts. Will you feel upset if he overlooks it? What was your favourite Valentines Day gift? Did you get what you really wanted? Would you want it again? What about taking a raincheck for the following weekend when the flowers and chocolates/jewellery/lingerie/perfume boxed sets are reduced?

10. Wedding gifts. Again, weddings don’t necessarily happen every year although I did have three in six weeks one year. Are you going to faithfully stick to their registry or will you give them something that is very “them” but not listed? You do have up to one year to give them a wedding gift - at which point you can start the discussion all over again.

People love receiving personalised gifts as it makes them feel special and cherished.

But unless you have a rough idea of what the item’s going to look like, you can worry that you’ve got the spelling right, ticked the right colour or even the correct size.

There are quite a few websites now which provide real-time personalisation so that you can see a mock-up of what your completed gift would look like. Here’s some of my favourites:

American Medical ID - great for family members who may have a serious condition, you can “engrave” in real-time a necklace or bracelet from 14kt, 10kt, sterling silver or stainless steel, and it has engraving samples and tips so you know what to add. If your mum or grandmother is a Cancer, this might stop them worrying.

Just for fun, create a magazine cover with their photo, the theme (ie wedding, anniversary, new baby) and magazine-style headlines ie “6 Things You Never Knew About Samantha and John” or whatever. Perfect for Aries and Leos.

If you really know their favourite colours for their lips, eyes, nails and blush, you can custom-blend cosmetics for them, even including the colour intensity and exras like shimmering glitter for nail polish. Even better, you can send in your old, discontinued favourite lipstick or nail polish etc and get them to colour-match it for you! A lovely gift idea for Taureans and Librans.

One of the most imaginative customised gift websites I’ve ever seen is Shapeways which lets you create 3D printing of your designs. You could have the words of a favourite poem, for example, laser-cut into a candle-holder or into cool napkin rings which would have to be one of the most amazing Valentines Day, anniversary or wedding gifts ever!

Hardcover photo books are not really that new now but Pixable lets you select your photos from Facebook, Flickr or your computer, upload AND receive them within 3 days! Great for Geminis.

For the aviation buff who has nearly everything, you can order a customised airline cart (yes, the trolleys that the hosties roll down the aircraft aisle) from Alcarts in one of 10 colours. Ideal for those with their own plane(!), this storage item is also an original conversation piece as you serve food and beverages in your office, garage, patio, shop or kitchen. I can see this appealing to Aquarians and Sagittarians!

Everyone loves their own name! A cute gift for a new baby or perhaps a housewarming gift is letter art photography by Alphabet Photography. Each “letter” is a photo of an everyday object (such as a door handle) that resembles the letter of the alphabet. A sweet gift for a Pisces as is this one from GrowShow which lets you upload photos in chronological order so you can see the development of your child over time. It also has interlocking photo frames so you can add to them as your child gets older.

Love to theme a party all the way through? Now you can personalise your disposable party plates with photos, text and colour for anniversaries, birthdays, Halloween, with a fun service from Hallmark. I see this being particularly popular for children’s parties!

Candles are always popular with women and now you can customise them with Lumnique, packaged in a nice rectangular glass jar. Select the intention ie peace, love etc, the colour and from 72 fragrances, ranging from the traditional, such as rose, to the frankly unusual, such as Hansel and Gretel (which I’m guessing must smell like gingerbread)!

If you’re looking for a gift with a difference for your favourite health freak, look no further. Now you can customise your own energy bars (chewy, oaty, cripsy), add fruits, nuts and sweets (ranging from chocolate chips to maple syrup), and even fibre or other nutrients, all the while seeing the nutritional panel adjust in real time for sugar, fat, carbohydrate etc. And to cap it off, you can even have your name on the packaging - how cool is that?! I’m going to order some from Element Bars for my Virgo sister!

Most people are familiar with the Successories framed prints in gift shops full of inspirational photos and sayings. Now you can customise your own, using their gallery of images but adding your own message. I think a subversive-style message (ie a straight picture and a sarcastic message) could really amuse a Scorpio, and maybe some Capricorns…

I love the mobile phone covers by GelaSkins - they’re amazing! From manga cartoons to Botticelli’s Birth of Venus, you’re sure to find something amazing here. Most importantly, you can upload your own photos, message and designs to cover covers for your mobile, iPod, laptop, gaming device or Kindle which would impress even the hardest-to-please teen.

If you find clothes hard to fit and you’re forever getting items altered, you might like to check out the customised outfits at April Marin. They make a small range of pretty, tailor-made dresses, allowing you to customise the lengths and widths of everything important!

Does your favourite friend or family member post particularly witty bon mots on Twitter? Did you know that Tweetbookz now lets you create high-quality books containing Tweets from any Twitter account? It might be a lovely gift for a small business owner! 

And last, but certainly not least, I was entranced by Princess Chic which enables you to build your own pair of shoes! From classic stilettos and platform pumps to ballet flats and high-heeled sandals, you can select your material from leather, satin, suede, snake, croc or fish skins, from 17 colours and sizes from 5-11.