3. Prepaid plastic

For her: It is already February 12 and you still have no idea what to buy her! This one's for you.

Nowadays, most banks issue prepaid gift cards. These cards are usually Visa or Mastercard-affiliated and can be used to shop at any outlet that accepts them.

While the card is more personal than cash, it will also allow her the freedom to choose her own gift. Shop, dine, party -- she can use the card just the way she wants.

Also, most cards have an ATM PIN that will allow her to withdraw cash if she wants to.

Tip: Make sure you choose a card that is widely accepted. You don't want to disappoint her with limited choice.