You're probably wondering why I can be talking about saving money when I just recently pitched a three-dollar loaf of artisan bread. People, it is because of those little mishaps in life that make it all the more necessary to watch our Washingtons and Lincolns! (President's Day is coming up.)
Run, don't walk, to the nearest Target and get one of these. Not the dog! The card! While I do not advocate going into debt, I do advocate saving money. Using our Target credit card has saved us money. Here's how.
For every purchase at Target that we make with our Target credit card, we get 5% off.
Not points or coupons.
No making calls to Peggy.
As soon as you swipe your card, it takes 5% off your purchase.
Five percent doesn't seem like much, but all those little amounts add up over a year. Say you spend an average of $100 a month at Target (then you have more self-control than me). That five percent savings translates into $60 a year. That's a pair of shoes ~ or two on sale.
That being said, you have to be diligent about paying it off or else your savings will be eaten up with interest, which I am certain is more than 5%. Every time we use the card, we immediately allocate that money for the payment when the statement comes. We never carry a balance on the card from month to month. Greg is awesome about keeping track of all that!
Also, did you know that if you bring reusable bags they take 5 cents off your purchase for every bag? I don't think it matters what kind of bag, just as long as it is reusable.
P.S. I am not an affiliate of Target and my opinions are my own. They did not pay me to say this. Although if they'd like to pay me, I'd be ok with that.
P.S.S. Before you get your Target card, be sure to read all the fine print and make sure you are ok with their terms. I am not a financial expert.