I do the same thing as Sammy. Right now I have $200.00 worth of fun ship dollar gift certificates pre paid as on board credit for my up coming cruise in April. I have $75.00 worth I am sending to Carnival to use for my Fiance'. I buy & use them to keep my total down on the bill. I buy photo coupons & drink coupons ahead of time. All of it helps with the budget. Its just less I have to worry about.