If you are looking to go easy on your wallet and save money on gift cards, skip buying gift cards from Target and instead buy from eBay or Raise or even Costco. Gift cards can sometimes be a great idea if you really have no clue what to get someone and are tempted to pick up something for a quick gift.
But avoid buying them from Target as there are better places to buy them and save you more money.
For instance, at Costco, you can typically find certificates for certain retailers and restaurants at a discounted rate, saving you $5 or $10 off the cost of the card. You can also try buying gift cards from resellers on eBay or online retailers like GiftCards.com.