• The iTunes store has online gift certificates that can be emailed to anyone who has an email address. So does Fandango. Their Fandango bucks can be emailed and/or printed and redeemed for movie tickets all over the country. And for the stay-at-home movie buff, try a Netflix gift subscription. It can either be printed out or emailed instantly.

• An electronic gift certificate from Amazon.com can satisfy just about anyone. And the best part… instead of simply sending the recipient a notice about the gift, Girlawhirl can choose from an array of e-greetings that she can personalize to accompany the gift certificate. Target also instantly emails gift cards, but e-gift cards can only be redeemed online, they can't be taken to a Target store.

• Fashion folk might love a gift certificate from ActiveEndeavors.com, where they can purchase up to the minute fashion and accessories for women and men. 

• For the men in her life there's always Barnes & Noble and Sharper Image. Girlawhirl can order gift certificates and they will be emailed to the recipient within minutes from Barnes & Noble, or hours from Sharper Image.

• Anyone can benefit from an electronic gift certificate from Fossil.com. The gift certificate is redeemable only at their online site, but with so many choices of accessories, apparel and, of course, watches, for both men and women, ordering from the web site won't be a problem at all.

• But Girlawhirl's all time favorite electronic gift card - last minute or not - has to be charity gift certificates from JUSTGIVE.org. There she can make a gift donation and add a personal message. Once purchased, Girlawhirl can either print it out or email it to a friend. Then the friend can make a donation to a variety of charities using the gift certificate. Now that's a gift everyone can be proud of.

And to think... most people are afraid of shopping on Christmas Eve!

Editor's note: Some of these products may no longer be available. Links to some of these products may be disabled.