I buy for little ones a year ahead.
But with Gap in particular, this is what I do. It's not very Dave Ramsey, but it works for me.
I have a Gap Visa. I put all of my monthly bills on it. Including rent, that's close to $1000. So, I earn $20 a month or so in rewards. I pay the bill in full every month so never any interest. I pay it as soon as it I put it on there, basically.
They do double and triple points sometimes, and just by having the card I get 40% off coupons nearly every month.
Mama to Henry (01.07), Catherine (09.11), Audrey (04.14), Clare (09.15) and our newest addition, coming July 2017!