Gift-cards? 

Investors are celebrating rent increases left and right but ignoring the fact that, while their tenants can "afford" the increased rents on a rent-to-income analysis, they cannot afford the rents on an income-to-expense analysis, when you include their cars, credit cards, etc.  

There's a minimum dollar amount to register and get a bidders card.

Then, I would stop your contributions of $500/month to "savings" and just hammer out that credit card debt. 

I charge everything I can on airline rewards cards and pay it off each month out of the proper account.

I’ve listened to the credit card hacking podcast on BP/BP Money and a similar one from the guys at Choose FI.

I have to play the cards right and take the voucher!

I recently graduated from high school, at my graduation party I was humbled with many gifts, one of which was a $200 amazon gift card.

In general, higher interest debt like credit cards, payday loans etc. should be paid off as soon as possible because they can sink you very fast.

One thing that we had a lot of success doing when the market wasn't so great was post cards with a landing page on our website specifically for information on the foreclosure process, how we can help and a free valuation form for them to fill out.