What is one of the smartest things you can do to prepare for the upcoming Black Friday shopping season?

What is one of the smartest things you can do to prepare for the upcoming Black Friday shopping season?

Get yourself a Target RedCard.

Even if you don't live near a Target in your neighborhood, or don't shop at Target normally, you definitely want to have one NOW in preparation for shopping season.  Why?  I'm glad you asked.

1. Target has got a ton of fantastic deals, both online and in-store, during Black Friday shopping season. Be prepared, because even if you're normally not a Target shopper, there might be a fabulous Target deal coming up that you might want to snag.  No matter what the item, you will always get 5% off and free shipping when you pay with your RedCard.  That's a no-brainer.


2. Right now, you get 90 days to return a general item (excluding electronics, those are 30 days) that you've purchased at Target. Paying with Target RedCard gives you an additional 30 days to return an item.  Target has one of the best, most stress-free return policies in the retail world.


3. When shopping in-store with a Target Debit RedCard, you can withdraw up to $40.00 from your checking account and save yourself a trip to the ATM (between this feature, online BillPay and being able to deposit checks on my phone, I have not been to the bank in 8 months).


4. There is no annual fee for either the Target Debit Card or the Target Credit RedCard.


5. Personally, I prefer theTarget Debit RedCard, because there was no hard credit check pull when I applied, and the money comes directly out of my checking account. I never have to deal with a bill.  You need to enter a PIN every time you use it, so your checking account is protected. 


6. The Target Credit RedCard also has its advantages; you can manage your card and make payments online. 


7. While your shopping for yourself, you can be giving back to others.  You can donate 1% of purchase totals made on your Target RedCard to your favorite school.  It costs you nothing.  Zero. Zip. Nada. 


8. When you've got a RedCard, enroll in Pharmacy Rewards and fill 5 prescriptions at Target, you'll get a coupon that will let you take 5% off anything you purchase all day at Target on the day of your choosing, and this is in addition to the 5% you get back with your RedCard.


9. Target has so many opportunities for saving money.  Mobile coupons and Target store coupons which you can stack with manufacturer's coupons, Cartwheel savings,  weekly gift card deals, price-matching, etc.  You can also get ShopKick points every time you walk into a Target store.  Every single one of these opportunities is stackable with your Target 5% RedCard savings. Every single one. 


10. Crazygood December Target coupons: for the last two years (that I can remember), Target has been releasing $5 off $50 coupons in December.  After you use these coupons, you can still apply the 5% discount to the rest of your bill if you pay with your RedCard.   

I save a fortune shopping at Target over the year, and much of that is due to my using the Target RedCard.

Sometimes saving money is hard to do. This is not one of those times. Get ready for the big shopping season now by getting yourself a Target RedCard. No. Brainer.

(And for a no brainer that's even easier than getting a RedCard, sign up for the Target email list here.) 

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