10 Secrets to Saving Money for the Target Obsessed (2024)

Created On: &nbsp|Updated: |

There are so many ways to get good deals at Target but these are the best tips for saving money!

10 Secrets to Saving Money for the Target Obsessed (1)

I remember as a little girl there was a huge store in our area called Gemco. And then one day it became Target. My mom called it “Tar-get” like with a French accent. I didn’t think much of it then but now I could probably pull a “Where the Heart” is and move into the camping section. I’m pretty sure they know me by name since I’m there at least once a week. And when they added groceries to our Target, that was it. Why go anywhere else? Since I’m there so much (have you noticed on Instagram?), I have learned some simple tips and tricks to get the most for my money and thought I’d share my tips for saving money with you. Anyone else big puffy heart love Target?

How to save money:

GET A RED CARD
10 Secrets to Saving Money for the Target Obsessed (2)10 Secrets to Saving Money for the Target Obsessed (3)

This is tied directly to your debit card/checking account. It takes a minute and then you get 5% off every time you use it. You also can get free shipping online and better returns. You get an extra 30 days to get something back for a return.
When I was at Target my check out guy asked me if I had a red card and I said “Oh yes!” and he said “You’d be amazed at how many people are skeptical and just don’t have one.” And I went off about how much I love it. His response was “We just need you standing here to tell everyone about it.” Ha! I can’t tell you how easy this is and how much I love getting a little extra off for no work on end.
Note – there are Target credit cards and Target red cards. I’m referring to the red card/debit card. I don’t have a Target credit card.

MARK DOWN SCHEDULE

Did you know that Target has days that they usually mark things down? While it can vary state to state and Target to Target, these are the guidelines:

10 Secrets to Saving Money for the Target Obsessed (4)Download this printable guideline.

Target usually marks things down every two weeks in increments of 15/30/50/70% off. But for holiday markdowns (more on that below), they speed up this process with just a few days in between markdowns. So if you want to get holiday stuff on clearance, don’t wait!

IT’S ALL IN THE TAG
10 Secrets to Saving Money for the Target Obsessed (5)
Check out how to read the price tag. Based on what the number is at the end of the tag, you know if it’s really the lowest deal.
If it ends in a $0.06 or $0.08 it’ll be marked down again. But if it ends in a $0.04 it’s the best you’ll ever get.

PRICE MATCHING
Target will match the price of identical items found within 7 days of purchase. You can bring in a printed ad or show the online competitor’s price. It has to be the exact model number. Online competitors are limited to Amazon.com, Walmart.com, BestBuy.com, ToysRUs.com, and BabiesRUs.com.

Read more about price matching guidelines.

TAKE ADVANTAGE OF MOBILE COUPONS
I used to be into couponing way back in the day before it was reallya thing. Before there were shows about cheapskates and all that. It was insane the amount of things I got for little to nothing with some prep time. I no longer coupon really because I don’t have the time for it. But if I’m at Target and I see a coupon text sign I do it immediately. It takes 3 seconds to text and if I’m getting something anyway, might as well get a little discount on it. You can also sign up for mobile coupons to be sent to you.

Save with Cartwheel

10 Secrets to Saving Money for the Target Obsessed (6)

I have dabbled a little with Cartwheel. It’s another one that takes some time to figure out which deals will work for you. Sometimes I sit in my car and look at the deals before I head in. Other times I see signs at the store while I’m there and add things to my cart on Cartwheel. But there are definitely savings to be had. Check out Cartwheeltips from Passion for Savings.

SALE SCHEDULE
In years past, Target has held a secret (but not really a secret anymore) Toy Sale on January 12th and 13th and July 28th and 29th. I have friends who stock up on toys during those sales and keep a “gift closet.” They get as much as they can and then go to the gift closet for birthday parties, holidays, etc. I think that’s a genius idea if you are a planner.
There are also holiday sales/clearance. The day after a holiday (Christmas has some exceptions), all holiday stuff gets marked down. It goes down by 30-50%. A few days later they mark it down to 50-70%. And then it’s eventually marked down to 90%.

DOLLAR SPOT

I picked up up these beauties from our Dollar spot!

Whoever decided to add the Dollar Spot to Target is a genius. I can’t ever just walk by without stopping there because I know I will always find something. And it’s just a dollar, so I have to. They started getting sneaky by adding $3 and $5 items in there too. There are adorable things for holidays, organization, stationary, school supplies and more.
On the barcode of a dollar spot item there is a symbol. For example – black diamond, red dot, blue dot, etc. When things go on clearance from the Dollar Spot there aren’t any stickers, they just use signs to let you know. So it’ll say 50% off all black diamond items. They group things by when they are added to the dollar spot. So all the red dots came in on the same day, all the black diamonds, etc.

BEAUTY AISLE

10 Secrets to Saving Money for the Target Obsessed (7)

I’m all about a deal (if this post wasn’t obvious). If I can get the same look with makeup for less money and not have to deal with a makeup counter, even better! Find out all the of details on how to shop the beauty aisles.

10 Secrets to Saving Money for the Target Obsessed (8)

And just for fun — this post from Scary Mommy is hilarious! The 7 Stages of Going to Target with Children.

Looking for other budgeting/money saving tips?

    • Guide to Excellent Credit
    • Ultimate Budget Binder
    • Teaching Kids About Money
10 Secrets to Saving Money for the Target Obsessed (2024)

FAQs

What is the secret to saving money? ›

Track Your Expenses

The first step to saving more money is to know your spending habits. Track every dollar you spend throughout the month and categorize them based on the type of expense. Once you know how much you spend in each category, it'll be easy to identify areas for improvement.

What is the obsession with saving money? ›

Fear of spending money or excessive frugality is sometimes known as Chrometophobia, a Specific Phobia related to money. Fears about spending money may also be involved in obsessive-compulsive disorder (OCD).

What are the 5 steps to save money? ›

5 simple steps to start saving
  • Set one specific goal. Rather than socking away money into a savings account, set specific goals for your savings. ...
  • Budget for savings. Just because you decide to save doesn't mean it's going to happen. ...
  • Make saving automatic. ...
  • Keep separate accounts. ...
  • Monitor & watch it grow.

How can I trick my mind into saving money? ›

6 ways to train your brain to save money
  1. Envision the future. ...
  2. Appreciate what you already have. ...
  3. Delete and unsubscribe. ...
  4. Only use money you've already got in the bank. ...
  5. Create separate savings accounts for separate expenses. ...
  6. Call your friends more often.

What is the 10 rule for saving money? ›

Key Takeaways:

The 60/30/10 budgeting method says you should put 60% of your monthly income toward your needs, 30% towards your wants and 10% towards your savings. It's trending as an alternative to the longer-standing 50/30/20 method. Experts warn that putting just 10% of your income into savings may not be enough.

What is the 4 rule for savings? ›

Key Takeaways

The 4% rule says people should withdraw 4% of their retirement funds in the first year after retiring and take that dollar amount, adjusted for inflation, every year after.

What is the obsession of money? ›

This behavior is characterized by a persistent urge to make purchases, an inability to resist the temptation to spend, and continued spending despite adverse financial consequences. Compulsive spending can result in mounting debts, financial instability, and a negative impact on one's overall financial well-being.

How to stop obsessing over money? ›

How to stop worrying about money and start living
  1. Get grounded: Practice relaxing breathing exercises and meditation. ...
  2. Create financial goals: Set clear, achievable objectives. ...
  3. Make a budget: Track finances and control spending. ...
  4. Schedule money check-ins: Regularly review your financial situation.
Mar 12, 2024

What is the obsession to spend money? ›

Compulsive spending - which is also known as oniomania, shopping addiction and pathological buying - is when a person feels an uncontrollable need to shop and spend, either for themselves or others.

What is the 3 saving rule? ›

This model suggests allocating 50% of your income to essential expenses, 15% to retirement savings and 5% to an emergency fund.

What is the secret to saving? ›

Set savings goals

One of the best ways to save money is to set a goal. Start by thinking about what you might want to save for—both in the short term (one to three years) and the long term (four or more years). Then estimate how much money you'll need and how long it might take you to save it.

How can I secretly save money? ›

If it isn't safe or suitable for you to open a bank account or get a prepaid card, another option is to keep a money stash (sometimes called “money under the mattress”), which is cash you keep hidden in a safe location your harm doer doesn't know about.

How do I break the urge to spend money? ›

How to Stop Spending Money
  1. Know what you're spending money on. ...
  2. Make your budget work for you. ...
  3. Shop with a goal in mind. ...
  4. Stop spending money at restaurants. ...
  5. Resist sales. ...
  6. Swear off debt. ...
  7. Delay gratification. ...
  8. Challenge yourself to reach your new goals.
May 31, 2024

What is the golden rule of saving money? ›

Ensure that you save a minimum of 10% of your income every month. It can be that simple! But don't put it in a piggy bank. Idle money in a piggy bank doesn't grow.

What is the 30 day rule? ›

The premise of the 30-day savings rule is straightforward: When faced with the temptation of an impulse purchase, wait 30 days before committing to the buy. During this time, take the opportunity to evaluate the necessity and impact of the purchase on your overall financial goals.

What is the 50/30/20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

How can I save $1000 fast? ›

Financial expert Dave Ramsey has a lot of ideas on the subject, and here are some of the most practical ways to save your first $1,000 quickly.
  1. Cancel Subscriptions. ...
  2. Bring Your Own Lunch. ...
  3. Avoid Coffee Out. ...
  4. Re-Sell Old Items. ...
  5. Shop at Cheaper Grocery Stores With Rewards Programs. ...
  6. Buy Generic. ...
  7. Join a Carpool.
Dec 28, 2023

Top Articles
How Much and How Often to Water Succulents — Retro Den | Vintage Furniture and Homewares
Brokerage Checking Accounts: Pros And Cons | Bankrate
Luxiconic Nails
Gma Deals And Steals December 5 2022
Greater Keene Men's Softball
Australian Gold zonbescherming review - Verdraaid Mooi
Large Pawn Shops Near Me
Defense Immunity 2K23 Meaning
Wausau Pilot Obituaries
Peanut Oil Can Be Part Of A Healthy Diet — But Only If It's Used This Way
Walgreens Boots Alliance, Inc.: Konsensus der Analysten und Kursziel | A12HJF | US9314271084 | MarketScreener
Smith And Wesson Nra Instructor Discount
Dealer 360 Login Generac
Westelm Order
The 15 Best Things to Do in Branson, Missouri
The Menu Showtimes Near Regal Edwards Ontario Mountain Village
Craigslist Hoosick Falls
Amazing Lash Bay Colony
Craigslist Chester Sc
Haslam Metrics
Ice Quartz Osrs
Tiffin Ohio Craigslist
Astried Lizhanda
Vanity Fair Muckrack
Elanco Rebates.com 2022
Ktbs Payroll Login
Insulated Dancing Insoles
3850 Colonial Blvd Suite 100 Fort Myers Fl 33966
Jacksonville Nc Skipthegames
Aunt Nettes Menu
How Far To Tulsa
Noel Berry's Biography: Age, Height, Boyfriend, Family, Net Worth
Currently Confined Coles County
Coors Field Seats In The Shade
Craigslist Used Motorhomes For Sale By Owner
Build a Free Website | VistaPrint
Craigs List Skagit County
Persona 5 R Fusion Calculator
How to Choose Where to Stay When You Visit Pittsburgh
This Is The Right Order To Watch Every X-Men Movie - Looper
Hotcopper Ixr
Tani Ahrefs
Pulp Fiction 123Movies
Craigslist Free Stuff Columbus Ga
Bella Poarch Husband: A Deep Dive Into Her Relationship And Personal Life
Kohl's Hixson Tennessee
Wrdu Contests
Erin Mclaughlin Eyebrow
University Of Oregon Id
How Long Ago Was February 28 2023
Latest Posts
Article information

Author: Lakeisha Bayer VM

Last Updated:

Views: 6254

Rating: 4.9 / 5 (69 voted)

Reviews: 84% of readers found this page helpful

Author information

Name: Lakeisha Bayer VM

Birthday: 1997-10-17

Address: Suite 835 34136 Adrian Mountains, Floydton, UT 81036

Phone: +3571527672278

Job: Manufacturing Agent

Hobby: Skimboarding, Photography, Roller skating, Knife making, Paintball, Embroidery, Gunsmithing

Introduction: My name is Lakeisha Bayer VM, I am a brainy, kind, enchanting, healthy, lovely, clean, witty person who loves writing and wants to share my knowledge and understanding with you.