After receiving a flyer in the mail today for Kohl's, I saw they have their Kohl's Cash Promo going on. I know Old Navy does this as well, and even Gymboree has Gym-bucks. It made me wonder, are these worth it? Usually, I over-buy items to get the store cash, and then go to use it and end up spending more money. I guess that is the point for the companies putting them out. Do you use them and like the idea or do you skip shopping when it is that time?