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

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

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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

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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

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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

How to become obsessed with saving money? ›

Get Addicted to Saving
  1. Set goals. Whether your financial goals are short-term, such as a spring break vacation, or long-term, such as buying your first car, it is important to start saving now. ...
  2. Look into the options your bank has for savings plans. ...
  3. Review your spending. ...
  4. Download tools that can help with your budget.

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 secret to saving money? ›

Set aside a reasonable portion of your income for your savings goals before paying bills and other expenses. This approach helps ensure you're saving something every pay period. Set up automatic transfers to your savings account each payday to save consistently.

What is an unhealthy 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).

How to master the art of saving money? ›

Here are some tips that could help you master the art of saving.
  1. Set SMART goals. ...
  2. Spend less than you earn. ...
  3. Pay yourself first. ...
  4. Consider saving regularly. ...
  5. Automate your savings. ...
  6. Think about saving the excess. ...
  7. Track your finances. ...
  8. Consider the long-term.

Is money obsession a disorder? ›

The term is contentious among mental health professionals and as of 2023, money disorder is not a clinical diagnosis in either the DSM or ICD medical classifications of diseases and medical disorders.

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

How do I force myself to save money? ›

Canceling unnecessary subscriptions and automating your savings are a couple of simple ways to save money quickly. Switching banks, opening a short-term CD, and signing up for rewards programs can also help you save money. Making a budget and eliminating a spending habit each day can help lead to long-term savings.

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.

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

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.

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 compulsive need to save money? ›

The American Psychiatric Association defines frugality as a symptom of obsessive-compulsive personality disorder (OCPD) when someone “adopts a miserly spending style toward both self and others.” Extreme frugality is an amplified version of that, and it often involves viewing spending as a bad thing no matter how much ...

What is money dysmorphia? ›

Money dysmorphia is a negative or unrealistic perception of one's financial wellness. A financial therapist says millennials and Gen Zers are more prone to experiencing money dysmorphia.

How do I get into the mindset of saving money? ›

A mindset for saving money
  1. Simplify your goals. Let's say you're saving for a down payment on a new car, a vacation, and a new laptop all at the same time. ...
  2. Turn off “rapid checkout” ...
  3. Don't touch your savings. ...
  4. Monitor your growth. ...
  5. Start planning for your savings.
Jul 5, 2023

Can saving money be an addiction? ›

Don't forget that compulsive people have great personalities, are driven to accomplish big things and bring a little sparkle to humanity. When it comes to spending, compulsive inclinations can be deadly. But compulsive saving can become a profitable addiction, and when nurtured, it can replace bad spending habits.

How to develop the habit of saving money? ›

  1. Pay yourself first. If you wait to see what income is left over after paying expenses, you are less likely to save. ...
  2. Take advantage of bank technology. ...
  3. Pay your bills on time and pay more than the minimum amount. ...
  4. Determine needs versus wants. ...
  5. Shop around. ...
  6. Consider investments. ...
  7. Consult your local bank.

How do I get excited about saving money? ›

Below are six ways you can make saving money less of a chore.
  1. Gamify your savings plan—try a savings challenge. ...
  2. Partner with an accountability buddy. ...
  3. Build a milestone timeline with rewards along the way. ...
  4. Envision your savings goals and name your accounts accordingly. ...
  5. Find new hobbies and simple pleasures.

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