Yesterday, I officially started my Christmas shopping. I know, I know. I’m a little late to the party. If you’re still working on your Christmas list, like me, here are some tips for saving money at my all-time favorite place to shop.
- Download the Cartwheel app. This is a Target-specific mobile app that allows you to save a percentage off of various items throughout the store. Simply select which offers you would like to use in each category (apparel, beauty, food, etc.) and they’ll be uploaded to your personal barcode within the app. That barcode will then be scanned by the cashier at check-out. The more you use the app, the more offers you will be allowed over time. The best thing about Cartwheel is that it often discounts things that are already on sale. It can also be combined with coupons.
- Speaking of coupons… Did you know Target provides their own set of coupons in addition to manufacturer’s coupons? Store policy allows for use of one Target coupon with one manufacturer coupon on the same item! Go to target.com and scroll to the bottom of the page to find the “coupons” link. There you will be able to print any available coupons, whether from Target or the manufacturer.
- Get a Target REDcard. The Target REDcard comes in two options. First, you can open a traditional credit card account with Target. Unfortunately, I do not feel this is the right option for my family and I do not advocate store credit cards in general. Still, this may be a good option for those of you that are debt-free and understand how to manage credit properly.
On the other hand, I highly recommend the debit REDcard. It acts as a secondary debit card that you only use at Target and no credit approval is required. The money comes directly from your checking account, just as it does with the debit card from your bank. Plus, every time you shop at Target, you’ll save 5% on each purchase. (If you shop at Target as often as I do, this adds up fast!) You also get free shipping online and an extended return policy.
Overall, the benefits are definitely worth it. Just be sure to stay on top of your checking account balance at all times. It can take a couple of days for Target transactions to post and you don’t want to forget about them. Target will charge overdraft fees.
I hope these three easy steps help you to save more money at Target. Especially, this time of year!
Do you love Target? What are some of your favorite stores for big savings?