12 Ways to Save at The Container Store

We've got 12 ways fans of bins, baskets and bathroom storage goods can lower their receipt tallies.

The Container Store is the place for organization-lovers to shop for all their bins, baskets and bathroom storage goods. The problem with The Container Store, however, is that once you start shopping there, it can be hard to stop. After all, who’s going to pass up the perfect laundry room drying rack or a garbage odor eliminator? I know I couldn’t.

To help you scale back on what you spend here, try some of these cost-cutting options on for size. Here are 12 ways to save at The Container Store.

1. Shop the Sales

Container Store sales are no joke. Check out the sales section online or in the store (generally at the very front, although that will vary by location) for discounts on hundreds of items.

2. The Elfa Sale Is Worth the Wait

Besides the hundreds of regular items available in the sales section every day, The Container store usually has two big yearly sales on its main brand — elfa — and they’re worth checking out. One usually begins after Christmas and runs through some time in February, and another usually takes place in late summer or early fall (though certain elfa items may be excluded during that one). Be sure to check the site frequently for updates.

3. Search for ‘Spend More, Save More’ Options

Every now and then The Container Store will offer extra savings when you spend a certain amount of money on a particular brand. For example, at the time this article was being written, customers could receive 25% off when they spent between $200 and $349 on InterMetro & Metro shelving, 30% off InterMetro & Metro shelving purchases between $350 and $499, and 35% off InterMetro & Metro shelving purchases of $500 or more. Check online or ask a sales associate for any current deals.

4. Join the POP! Perks Program

Enter your information to become a POP! Perks member and you’ll get $15 in POP! Perks, invitations to exclusive events and sweepstakes, a birthday gift and more.

5. Use a Rewards Credit Card

There is a The Container Store credit card, but it’s big draw is special financing deals (0% interest on purchases for 12 or 24 months if you spend $500 or more and $3000 or more, respectively), but you’ll only skip the interest if you pay any balance off in full by the time that period expires — and the card’s go-to APR is pretty high (a variable 29.99%). Plus, there are no rewards for cardholders so, while in-store financing can certainly be convenient, you’d likely save more by charging purchases you can pay off in full to a rewards credit card and redeeming those points, miles or cash back down the line.

You can find a list of the best credit cards for shopping right here. (Just be sure to check your credit before applying. You can view two free credit scores on Credit.com.)

6. Make the Most of Free Services

Be sure to check your local Container Store for any in-store events they might be offering, and make the most of their free elfa customized design solution offers with trained design experts as well.

7. Read its Blog

While we’re on the subject of free services, it doesn’t hurt to check out The Container Store blog either, which is loaded with craft tips on staying organized. You could spend a ton hiring a personal organizer to help you figure out how to organize that pantry, or you could read one blog post on the topic and do it yourself.

8. Skip the Shipping Fee

Shipping is free on orders of $75 and more on the site, but why not choose the products you want and schedule your own pickup time at one of the store locations for free? Use The Container Store drive up and pickup service and someone will even bring your order out to your car for you.

9. Use Your Teacher Discount

The Container Store currently offers an Organized Teacher program with special discounts throughout the year to help educators organize their classrooms. (Per its website, the program is set to end December 31, 2017.)

10. Search for Coupons Online

Check sites like Groupon, Retail Me Not and Coupons.com for promo codes you can use with your purchase, and do a general Google search to see what you find, as well.

11. Buy Discounted Gift Cards

Use sites like Gift Card Granny and Cardpool.com to purchase gift cards for The Container Store at a discounted price.

12. Follow The Container Store on Social Media

Catch all the latest promotions and sales by following the brand on Facebook and Twitter.

Want more hacks for your favorite brands? We’ve got 17 ways to save at Lowe’s right here. And, if there’s a retailer you’d like to see us tackle, shout it out in the comments section below!

Note: It’s important to remember that prices for products and services frequently change. As a result, rates, fees and terms cited in this article may have changed since the date of publication. Please be sure to verify current rates, fees and terms with the company directly.

Image: xavierarnau

The post 12 Ways to Save at The Container Store appeared first on Credit.com.

8 Money Moves to Make Before Baby Arrives

Planning for baby? Don't forget to get your financial house in order.

If you’re expecting a child, probably the last thing you need is another to-do list, but hear us out. Preparing yourself financially for a baby involves a slew of things. And, while we wouldn’t pretend to know what that means for each individual who is expecting, there definitely are a few major things that, if you can check them off your list before your baby comes, will make things a bit easier when the baby arrives.

Here are eight money moves an expectant parent should consider making.

1. Create the Perfect Registry

It might seem trivial to include this in a list of important financial things to do before your baby arrives, but trust me. Creating a registry full of items you’ll actually use and need, rather than items you just covet, will help in the long run. Don’t be afraid to put big-ticket items on there since many baby stores offer completion discounts on items that don’t get purchased.

2. Update Your Budget

This’ll probably elicit a big, fat “duh” from many would-be parents, but it’s worth a gentle reminder. Until you crunch some numbers, you have no idea how much baby might cost in those first few months, and that ominous “babies are so expensive!” catchphrase might play itself over and over in your mind. If you sit down and look at your budget, you could be pleasantly surprised.

In my case, looking at our preliminary budget for baby included making sure I had enough in savings (outside of our emergency fund) to cover maternity leave, since, as a freelancer, if I don’t work, I don’t make money. It also included researching what child care costs in our area and factoring that into our monthly fees after I went back to work. After that, we estimated some extra expenses for diapers and wipes. The surprising part came when we realized that, because of the generosity of others (see above regarding the perfect registry), we barely needed anything for the nursery or any clothes for our child’s first few months — and believe me when I say that was helpful.

3. Figure Out Your Kid’s Health Care

As much as this should be part of your regular budget, it deserves its own bullet point. If you haven’t already, you and your partner (if you have one) should figure out where health coverage for your child will come from. You’ll also need to consider how you’ll pay for immediate deductibles since you won’t be the only one to come out of your delivery with hospital bills. Your baby will have some, as well. Also, consider co-pays for the many doctor visitors your baby will make in the first few months. (Remember, unpaid medical bills can wind up hurting your credit. You can view two of your credit scores for free on Credit.com.)

4. Start Thinking About Work

If you’re certain you want to go back to work, skip ahead to No. 5. If you’re less sure, think about what life as a stay-at-home parent might look like — both financially and emotionally — before baby comes. Once you’ve put together a new estimated budget and thought about how to provide your kid with health care, you might have a better idea of whether staying home with your kid is feasible.

5. Create a Will & Name a Guardian (or Guardians)

As uncomfortable a thought as it might be, it’s smart to put together a will and name a guardian for your child as soon as possible. Remember, you can always name two separate types of guardians — one who will physically watch over your child and one who will be in charge of their finances — if that’s better for your particular situation. You can find a primer on estate planning here.

6. Apply for Life Insurance

Getting a life insurance policy is right up there with creating a will when it comes to unsavory topics, but again, it’s the responsible thing to do. A life insurance policy will ensure your child is taken care of financially should something happen to you, and the peace of mind that provides can be valuable.

7. Start Thinking About College

Even if you don’t set up a college savings account before your baby is born, it helps to start considering if, and how much, you’ll pay towards your child’s college education. Remember, saving for your kid for college should never detract from your own retirement savings — after all, loans are available for college, but not for retirement. If you’re not sure where to start when it comes to considering your kid’s college plans, check out this piece about whether or not a 529 might be right for you.

8. Make a List of Things You’ll Need to Do After Baby Is Born

There are a few important financial things you won’t be able to take care of until after your baby is born because you’ll need things like the birthdate and Social Security number. It’s a good idea to make that list prior to your baby’s arrival, though, since things afterwards can get hectic (and sleepy). Updating your beneficiaries, for example, is something you’ll likely want to include.

This story is an Op/Ed contribution to Credit.com and does not necessarily represent the views of the company or its partners.

Image: Solstock

The post 8 Money Moves to Make Before Baby Arrives appeared first on Credit.com.

15 Ways to Save at PetSmart

Because it's way to easy to overspend on your furbabies.

Pet owners are sure to have their local PetSmart store in heavy rotation on their errands run. If you find yourself consistently walking out of the pet goods store having spent way more money than you expected to on Fido or Mr. Bigglesworth, you could probably stand to use some of these cost-cutting tricks before your next outing.

Here are 15 ways to save at PetSmart.

1. Sign Up for Auto Ship

Customers who sign up for PetSmart’s auto ship program can have products delivered to their home at the frequency of their choosing. Items in these orders ship for free, plus they save 20% on their initial order and 5% on all recurring orders.

2. Apply for the PetPerks Rewards Program

Sign up for PetSmart’s PetPerks Rewards program and you’ll receive discounts on your in-store purchases, as well as coupons sent to you in the mail.

3. Use a Rewards Credit Card

That way, you’ll at least earn rewards on the stuff you’re buying your furbaby.  PetSmart doesn’t offer a store-branded credit card, but there are plenty of solid cash back credit cards out there that’ll help maximize your spending.

Just be sure you pay your balances off in full. Otherwise, this strategy won’t work as planned — your rewards will just get lost to interest. (You can see how your credit card balances are affecting your credit by viewing your free credit report snapshot on Credit.com.)

4. Shop the Sales

Always check out the sales section of the site to see if your pet’s favorite items are being offered at a discount.

5. Check Out the Generic Pharmacy Options

PetSmart makes shopping for your pet’s medical needs easy through their pharmacy, but you’ll save even more by shopping the generic section of the site. (Be sure to consult with your vet before doing so.)

6. Cash In on Your Pet’s Birthday

As part of PetSmart’s PetPerks program, you’ll receive a coupon for a free treat on your pet’s birthday — be sure to use it before it expires!

7. Catch the Friends & Family Event

Check back every June for PetSmart’s big Friends & Family event to cash in on extra savings.

8. Find Promo Codes & Printable Coupons Available Online

Use sites like Groupon, Coupon Cabin, Retail Me Not and Coupon4all to score extra promo codes for online shopping or printable coupons to take into the store.

9. Try Booking Grooming Sessions During Off Hours 

PetSmart often runs specials on their grooming services when you book at off-peak times. Check their grooming section regularly for these offers or ask in the store.

10. Click Through to Their Local Ad

Occasionally PetSmart will offer special promotions through their local ad, which they also post online. Be sure to check the link frequently for posted deals.

11. Search for Manufacturer’s Coupons

PetSmart will accept these as well, so be sure to bring them with you when you shop.

12. Bring in a Competitor Coupon

PetSmart will accept competitor coupons on the same products, as long as they follow this criteria.

13. Use Social Media

PetSmart often posts its most recent deals on Facebook and Twitter, so be sure to follow them.

14. Buy Discounted Gift Cards 

Check out sites like Gift Card Granny to purchase PetSmart gift cards at discounted prices.

15. Read Your Receipt 

PetSmart will often print coupons at the bottom of your in-store receipts, so be sure to read them before you throw them out.

Love brand hacks? Well, we’ve got plenty more of them. You can find a full 19 ways to save at Target right here. And, if there’s a specific retailer you’d like to see us tackle in the future, shout it out in the comments section below!

Image: PeopleImages

The post 15 Ways to Save at PetSmart appeared first on Credit.com.

15 Ways to Save at ShopRite

Whether you hate grocery shopping or find it incredibly relaxing (seriously, some people do), one thing you’re bound to appreciate is saving at the store. If ShopRite is your go-to grocer, try using some of these tips to cut back on what you spend there.

Here are 15 ways to save at ShopRite.

1. Create an Account Online

Sign in to your ShopRite account online to load coupons from their Digital Coupon Center directly onto your Price Plus Club Card (more on that below). You’ll also get access to your past purchases and shopping lists, recipes, a tally of your Price Plus points and more.

2. Join the Price Plus Club

Members of ShopRite’s Price Plus Club get instant cash discounts on hundreds of items throughout the store at checkout, as well as special offers and promotions (like free items around the holidays) and exclusive mailings and offers.

3. Shop the Circulars

Set your home ShopRite location online and gain access to weekly circulars with tons of coupons and savings deals happening right now at your nearest store.

4. Check Out Their Offers & Promotions Page

Every now and then (especially around the holidays), ShopRite will offer additional ways for customers to save through sweepstakes and other contests that often offer gift card prizes. Visit their Offers & Promotions page frequently to see what’s happening.

5. Take Advantage of the SavingStar Program

Join the SavingStar program by setting up an account, then check out the offers page to see what’s available for a discounted price. Click on the offers you like and they’ll get linked directly to your store loyalty card. Use your card at checkout and the savings will be added to your SavingStar account. When you reach $5, you can select which method of payout you’d like.

6. Use a Rewards Credit Card

Some credit cards reward you handsomely for grocery shopping. See American Express’ Blue Cash EveryDay Preferred, which offers a whopping 6% back on up to $6,000 per year at U.S. supermarkets (1% after that), 3% at U.S. gas stations and 1% everywhere else. (Full card review right here.)

Just be sure to pay any balance you put on a cash back credit card off in full — otherwise, you’ll lose those dollars to interest. (You can see how your credit card balances are affecting your credit score by viewing your free credit report summary on Credit.com.)

7. Use ShopRite From Home for Additional Coupon Codes

If it’s available in your area, customers who sign up to use ShopRite from Home can check out the Shop Rite from Home promotions page for access to even more deals, like discounts on delivery, savings on health and wellness products, baby and pet items, etc.

8. Load Up on Manufacturer Coupons

ShopRite will accept these! (You can find its coupon policy here.)

9. Know Your Store’s Double Coupon Policy

While double coupon policies vary by store — you should check your specific store for more details — most Shop Rite stores will double up to four identical coupons per household per day on manufacturer coupons up to $0.99. (Use a nifty little Double Coupon App that you download to your smartphone to determine if your coupons will be doubled or not.)

10. Find the Catalina Machine

Catalina machines are usually located on the side of the register (ask the customer service rep if you aren’t sure if your local ShopRite has one). Most of these deals require you to purchase a certain dollar amount or quantity of product before you can use it on your next purchase, but once you do so the savings can really add up.

11. Stock Up During the ShopRite Can Can Sale

Though this sale only happens once a year (usually in January), it’s worth the wait to stock up on grocery goods, especially non-perishable items, throughout the store when it does.

12. Seek Out the Wall of Values

When you’re in your local ShopRite, make a beeline for the Wall of Values — usually right by the front door near the produce section — for dry goods on discount.

13. Make Use of $10 Deals

If you have the room, $10 Deals help customers save by allowing them to stock up on bulk items for just $10. Be on the lookout for $10 Deal signs.

14. Search Online for More Coupons 

Use sites like Retail Me Not and Coupons.com to find promo codes and coupons for the grocery store.

15. Follow ShopRite on Social Media

The grocery superstore shares all their biggest sale and coupon deals on their Facebook and Twitter sites, so be sure to follow them for the latest offers.

Want more brand hacks? You’re in luck — we’ve got 19 ways to save at Target right here. And, if there’s a brand you’d like us to tackle, shout it out in the comments section. 

At publishing time, the Blue Cash EveryDay Preferred credit card from American Express is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: vgajic

The post 15 Ways to Save at ShopRite appeared first on Credit.com.

14 Ways to Save at Ralph Lauren

We've got plenty of ways to keep down the costs of those polo shirts, button downs, florals and cable knits

Polo shirts, button downs, florals and cable knit abound at Ralph Lauren, the go-to shop for anyone who loves preppy, classic fashion. With prices on the medium-to-high-end of the spectrum, it helps to find ways to save when shopping here. Here are a few.

1. Start With Sales

It doesn’t hurt to start your shopping with the sales section of the site (or in the store). Items often switch out based on season, and you never know what treasures you might find.

2. Find Promo Codes

Do a little Google search to find promo codes for Ralph Lauren discounts. Places like Savings.com, Retail Me Not and Coupons.com often have good options.

3. Don’t Miss Out on Free Shipping

Save up to make multiple purchases at once, or ask your friends if you can make a purchase for them along with your own. Shipping is free on the site when you pay $125 or more.

4. Purchase Ralph Lauren Somewhere Other than Ralph Lauren

You’ll often find discounts on Ralph Lauren items or promos like discounts on multiple purchases at stores that sell Ralph Lauren other than Ralph Lauren itself. Check Macy’s, Belk or Nordstrom to start.

5. Shop at a Ralph Lauren Outlet

Before heading out to a regular Ralph Lauren shop, check to see if there’s an outlet near you. For example, you’re bound to find great discounts at the branch in Woodbury Common in New York or the Outlets at Castle Rock in Colorado.

6. Sign Up for the Newsletter

Scroll to the bottom right of the Ralph Lauren homepage and enter your email address to receive the newsletter. You’ll get updates on the most recent sales directly to your inbox, plus 10% off your next order when you first sign up.

7. Follow the Brand on Social Media

Be sure you’re following Ralph Lauren on Twitter, Facebook and Instagram to catch details on any last-minute sales.

8. Buy Discounted Gift Cards

Check out sites like Gift Card Granny for access to gift cards at discounted prices.

9. Get a Special Discount

Ralph Lauren has been known to offer additional discounts for certain groups of people — like students and military veterans, for example — so be sure to bring your ID and give it a try.

10. Try Your Luck at eBay

With a little patience and some proper searching, you’ll likely find what you want — or at least items close to it — for a big discount on eBay.

11. Keep an Eye Out for Surveys, Sweepstakes & Promotional Offers

From time-to-time, Ralph Lauren will run surveys, sweepstakes or other promotions that offer customers access to additional discounts. Be sure to check the site frequently for these opportunities. (Signing up for the newsletter and following them on social media will also help ensure you don’t miss them!)

12. Opt In for Mobile Marketing

According to the Ralph Lauren site, you can sign up for communications about Ralph Lauren products, services and promotions through your mobile device by submitting your mobile phone number online or by texting them. Text HELP to 89448 for more info, and remember that messaging rates may apply based on your data plan.

13. Ask About a Ralph Lauren Credit Card

While it’s not available online or at every location, a few stores do offer applications to Ralph Lauren credit cards, which will come with perks that just might save you big-time if you’re a frequent Ralph Lauren shopper. Just be sure to ask about the interest rate and any fees associated with the card before signing up — and be sure your credit can handle an inquiry. (You can view two of your credit scores for free on Credit.com.)

14. Use a Rewards Credit Card

That way, you’ll at least rack up points, miles or cash back on your preppy purchases. Just be sure to pay your balance off in full so you don’t waste any of them on interest. (Not sure which cards are worth your while? No worries. We’ve got a guide to finding the best rewards credit card for you.)

Want more luxury brand hacks? We’ve got 15 ways to save at Crate & Barrel right here. And, if there’s a particular brand you’d like us to tackle next, let us know in the comments below. 

Image: amriphoto

The post 14 Ways to Save at Ralph Lauren appeared first on Credit.com.

Stuck With a Huge Tax Bill? Here’s How to Deal

Here's what to do if you're facing down a big payment to Uncle Sam.

This year I owe quite a bit of money in taxes.

This amount (let’s call it “in the many thousands”) doesn’t come as a complete surprise since I made more cash last year than I did the year before, but still, it’s a large amount. As a freelancer I’ve learned to sock away 30% to 40% of each paycheck into a savings account set aside for taxes, so I’ll be OK to pay it. Other people might not be so lucky when Uncle Sam comes calling. A recent survey by the Federal Reserve found that 31% of people couldn’t even pay for a $400 emergency expense and 28% said they would need to borrow that money from friends or family

Luckily there are a few things you can do if you’re saddled with a tax bill you can’t pay.

1. Start at the Source

If you can’t pay your tax bill in full come April, fear not — you won’t be thrown in jail. (At least not yet!) The IRS offers a few ways to potentially alleviate the sticker shock. You could apply for an online payment agreement that allows you to pay your tax liability over time, or you could work with the IRS to settle for less than the full amount owed. That’s called an Offer in Compromise, and you can learn more about it — and if you qualify — here.

2. Ask to Have Your Penalties Reduced

Under certain circumstances — as in you or your spouse dealt with a serious illness last year or had an unusual tax event — the IRS has been known to work with taxpayers to waive certain penalties. Try writing a letter to explain the situation in detail, and be sure to specifically ask for an abatement. It’s worth a try.

3. Consider a Loan

If you’re in good financial standing otherwise, a personal loan through your bank with a decent interest rate could help you pay off a large tax bill right away. A better credit score will help secure a lower interest rate. You can view two of your scores for free on Credit.com.

4. Take out a HELOC 

A HELOC — or home equity line of credit — often offers interest rates that are lower than credit cards or potentially even personal loans, plus your interest could be tax deductible. The downside is that defaulting could mean losing your home — not something to take lightly. Be sure you know what you’re getting into before taking this course of action — learn more about it here.

5. Put It on Your Credit Card

While it should only come as a last resort, paying your bill on a credit card allows you to pay your debt on time (at least as far as the government is concerned), while giving you some time to pay it off in full on your credit card. If this is the way you’ll pay your taxes, it’s worth researching credit cards with 0% APR introductory offers that can allow you to take your time paying off the bill without paying interest. Keep in mind there will be an additional fee — which could be quite substantial, depending on how much you owe.

Whatever option you take, be sure to research all the options before jumping in to understand which one is best for your financial situation.

Image: jacoblund

The post Stuck With a Huge Tax Bill? Here’s How to Deal appeared first on Credit.com.

6 Things Everyone Should Be Doing to Build Wealth

The idea of “building wealth” isn’t just for rich people.

In fact, if the word “wealth” has you envisioning fancy people spending summers in Cinque Terre on their private yachts, it might be time to reconsider what wealth really means. Wealth, in general, can mean ensuring that you have enough to adequately cover what you need and to keep you happy while also possibly providing you with a little extra on the side for what you just plain want.

The best part is you don’t have to be a financial planner to build wealth — there are some easy things everyone can start doing.

1. Know Your Net Worth

To build wealth, you need to start at the beginning. If you haven’t already, take stock of your net worth (your assets minus your liabilities) and try tracking it for at least a couple months (the longer, the better) to see how it’s trending. (You can view two of your credit scores for free on Credit.com.) Obviously, it’s ideal for your net worth to be getting larger rather than smaller, but if it isn’t, step two will be important.

2. Keep Track of Your Spending

You can’t really build wealth if you aren’t sure where you’re spending your money. Whether you use an aggregate site to track where your money goes out, an Excel spreadsheet, an old-fashioned checkbook or regular old pen and paper, it might seem silly to pay attention to every purchase you make, but only when you start to notice patterns in your spending can you really make cuts where and when you might need to.

For example, if you determine you’re spending more than you’re making, look for adjustable costs you could potentially reduce or eliminate immediately (cable, gym memberships, extraneous spending, etc.). If the problem is your larger costs — student loans, how much you pay in rent or your car payment — it could be time to consider reconsolidating your loans or potentially moving to a more affordable apartment, getting a cheaper car or opting for public transportation, if possible.

3. Make the Most of Free Money

Very few things in life are free, so when something is, it’s foolish not to take advantage. If your company offers a 401K match that you aren’t taking advantage of, you are leaving free money on the table. Talk to your human resources representative about your company’s policy, and adjust your allocations if there is a match you aren’t currently getting.

It also might be worth making sure your savings and checking accounts are the best options for you. If you’re paying extraneous fees or think you could be earning more interest elsewhere, it’s worth researching the best place to help your assets grow.

4. Get a Card With Rewards That Suit You

If your current credit card isn’t cutting it, find one that is. There are great options out there for any type of reward that would be best for your lifestyle, whether for travel, groceries or cash back. Use this guide to help find a credit card that’s right for you, or check out our roundup of the best credit cards to help you build credit.

5. Think Ahead

It’s not always easy to plan for the future when you’re trying to scrape by day by day, but if you can think of any large expenses that might be happening later this year or next, you’ll be ahead of the game. When you start planning for large expenses with enough time to save up, you’ll be less likely to put them on your credit card and potentially have to pay interest on them.

You might want to consider any upcoming travel plans, plans to potentially buy a house or get married, health insurance deductibles for any planned medical procedures, potential taxes you’ll owe, etc. (See more about paying taxes here.)

6. Save, Save & Save Some More

You need to have an emergency savings account. Experts recommend keeping three to six months of expenses in an easy-to-access account, just in case something pops up.

If you have started saving and you’re serious about increasing your net worth, consider putting any tax refunds or pay raises directly into savings, or split them between savings and retirement accounts. If you already did your research from step three and found a good savings account, your pay raise will be even more meaningful when it’s compounded daily with interest.

Image: Geber86

The post 6 Things Everyone Should Be Doing to Build Wealth appeared first on Credit.com.

19 Ways to Save at Target

Stack 'em up. Knock prices down.

Target is pretty much the definition of a one-stop shop. Hit up your local store and you could walk away with groceries, your nephew’s birthday present, an ottoman for your living room and dumbbells to keep you fit.

And that’s just the beginning.

Although the chain has some pretty great prices already, it’s hard to leave the store without stocking up on multiple items. So to help you keep receipt totals down, here are 19 ways to save at Target.

1. Start at the Home Page

Target.com should always be your first stop when it comes to shopping. Current sales are listed at the top of the page, which makes it easy for you to stock up on birthday or holiday gifts or items you need for your own home.

2. Check Out the Weekly Ad

Target posts a weekly circular listing items for sale in your area online at weeklyad.target.com. The little countdown clock to the right of the page lets you know how much longer you have until the current sales go away.

3. Click for Weekly Deals

Check out the weekly deals section on Target.com for sale items that might not be included in the weekly ad.

4. Shop the Clearance Section

Check out items on clearance by category on Target’s website, and be sure to check out the clearance section in-store, too, which is usually loaded with seasonal items and placed directly at the front entrance as you walk in.

5. Know Where to Look In-Store

While you’re likely to find deals throughout Target, be sure to especially check the end caps — or the shelves that appear at the end of each aisle — because that’s where additional in-store clearance items tend to end up (besides the display when you first walk in).

6. Score Coupons

Visit coupons.target.com for coupons available directly from Target, then peruse sites like Retail Me Not, Groupon and Deal Catcher for others.

7. Read Your Receipt

From time-to-time you’ll find coupons printed directly on your receipt, so be sure to glance at it before you throw it away.

8. Have Coupons Sent to Your Phone

Skip looking for coupons yourself and have them sent directly to your phone with the Target mobile text-alert coupon program.

9. Don’t Forget Manufacturer Coupons

Target accepts manufacturer coupons as well, so be on the lookout for those in your paper or search for them online.

10. Do Some Comparison-Shopping

Target offers a price-match guarantee when you find the identical item for less on Target.com, select online competitors or in Target’s or a competitor’s local printed or digital ad. Learn all the details here.

11. Apply for the Target REDcard

Become a Target REDcard carrier and get free shipping on most orders at Target.com, 5% off purchases every day and access to additional savings with exclusive coupons. We’ve got a full review of Target’s REDCard credit card here. (It also offers a debit REDCard.)

If you’re interested in the credit card, be sure to check your credit before applying. (You can see two of your credit scores for free on Credit.com.) You’ll want to be sure you can handle the inquiry. You can find more credit cards that can keep you shopping stress-free here.

12. Use the Target Cartwheel Program

Download the Target Cartwheel app on your Android or iPhone and start saving more. Use the app to select from discounts on items from 5% to 50% and add them to your personalized Cartwheel barcode. Scan the barcode every time you shop at Target to save on those purchases. The greatest part is you can use the discounts as many times as you want before they expire.

13. Stack Cartwheel Savings With Your Target REDcard

You can use Cartwheel app discounts along with your Target REDcard daily discount to save even more, plus …

14. … Stack Cartwheel Savings With Your Target REDcard & Other Coupons

Pay the least amount possible when you scan your Cartwheel barcode and use your Target REDcard and use any additional coupons (like weekly ads!) to pay at checkout.

15. Install a Coupon Aggregator on Your Computer

You can skip searching around for coupons altogether when you add the browser extension like Honey on your computer, since it automatically finds and applies coupon codes at checkout for you.

16. Look for Free Gift Card Deals

Target sometimes offers free gift cards with certain purchases, so be on the lookout for those deals both in-store and online.

17. Purchase Discounted Gift Cards

Check sites like Gift Card Granny to purchase Target gift cards at less than face value.

18. Follow the Brand on Social Media

Add Target on Facebook and Twitter to ensure you see all the latest deals and coupon offers. (Follow @TargetDeals on Twitter, too.)

19. Create a Registry

Create your wedding registry with Target and get a 15% discount on everything left after your wedding, plus bonus gifts from select brands with qualifying purchases. Do the same with your baby registry and you’ll get the same perks, plus a welcome kit with $50 worth of coupons and handpicked samples to get you started.

Want more brand hacks? We’ve got 18 ways to save at CVS right here. And, if there’s a brand you’d like to see us tackle, let us know in the comments below. 

Image: oneinchpunch

The post 19 Ways to Save at Target appeared first on Credit.com.

17 Ways to Save at Lowe’s

It's easy to overspend at the home improvement chain this time of year. Fortunately, it's just as easy to save.

Whether you’re finishing your basement, fixing a leaky bathroom faucet or trying your hand at built-in bookshelves for your family room, Lowe’s is your one-stop-shop for all things home improvement related. While it can be super-easy to spend a ton of cash there, it’s also just as easy to save. Here’s how.

1. Wait for Things to Go on Sale

If you can, it pays to wait for the bigger items you need to go on sale at the home repair superstore … because they inevitably will. Beginning of the year sales, for example, included up to 40% on bathroom essentials like toilets and sink basins, as well as up to 40% off select custom kitchen cabinets when you spent $3,500 or more.

2. Apply for a Lowe’s Credit Card

If you’ll be shopping here enough and you can pay the credit card off on time (the APR is a variable 26.99%, so this strategy only really works if you can absolutely pay your bill on time), apply for the Lowe’s credit card. New cardholders can pick from between 5% off items every day or six months of special financing with a $299 minimum purchase. Just be sure your credit can handle an inquiry before you apply. You can see where you stand by viewing your free credit report summary, updated every 14 days, on Credit.com.

Like to shop around? We’ve got some picks for the best credit cards for shopping here.

3. Shop Their Exclusive One-Day Deals

Be sure to check the site for Lowe’s one-day only deals, which are good for that day only and while supplies last.

4. Peruse Their Shop Savings Section

Lowe’s adds new discounted items every week to their Savings section, and deals generally last for a couple days or, even, up to a few months.

5. Check Out Their Weekly Ad

Search through your local paper or check online for the Lowe’s Weekly Ad for savings on items that generally last through that week only.

6. Take a Look at Clearance Items

Use the clearance section of the site to find even more discounts on items like cleaning supplies, flooring, home décor and more. Some items are up to 75% off, but the deals generally expire, so check back frequently for what you need.

7. Submit for a Rebate

Many Lowe’s products come with rebate offers, especially if they’re energy-efficient products. The store makes it easy to find out which products will save you a little cash — just check out the current rebates section on the site and submit an online application if your product applies. You can check the status of your rebates there, too.

8. Sign Up for Their Email Newsletter

Submit your email for the Lowe’s newsletter to get the weekly ad, exclusive offers and promotions, sneak peaks of upcoming events and more, directly to your inbox.

9. Join Their Garden Club

Sign up for Lowe’s Garden Club and you’ll receive an email every week with special promotions and offers, as well as gardening plans, advice and more.

10. Never Miss a Sale When You Follow Lowe’s on Social Media

Catch all the current deals and promotions by following the brand on Facebook, Twitter and Instagram.

11. Get a Price Match

Lowe’s guarantees everyday competitive pricing. As such, if you find a competitor offering a lower price on an identical item, bring in the competitor’s current ad and Lowe’s will beat their price by 10%. If a competitor is offering a percent off discount, they’ll match the final net price the competitor is offering.

12. Use Online Price Protection

If you’re already in the store, be sure to check online to see if the item you want is cheaper there before heading to the checkout line. You can shop for your Lowe’s products online to receive the lower of the online store price or the price at your local Lowe’s store. Or, select “store pickup” to order your items online and pick them up in your local store later, thus avoiding the shipping fee —unless you have $49 or more in items, in which case shipping is free.

13. Ask for a Military Discount

If you currently serve in the armed services or are a retired veteran, you and your immediate family receive a 10% discount. Check here for the stipulations.

14. Load Up on Free Services

While it’s not an immediate way to save, taking advantage of all the workshops and personalized services offered at Lowe’s is a great way to ensure you do your project right, which will save you time and money in the long run. Check out a full list of in-store services, including workshops, clinics and other services, on Lowe’s website.

15. Buy Gift Cards at a Discount

Shop sites like Gift Card Granny to purchase Lowe’s gift cards at a discounted price.

16. Install a Coupon Aggregator on Your Computer

Never miss another online coupon or savings offer when you install a coupon aggregate collector, like Honey, on your computer. The search engine will automatically look for discounts at your time of online checkout and could score you even more in savings.

17. Ask When a Sidewalk Sale Is Happening

A couple times a year you’ll notice that Lowe’s has a ton of items out on the sidewalk. These items are often on sale big-time, and their sidewalk sale happens a couple times a year, so be sure you don’t miss it.

Making home improvements this year? We’ve also got some ways to save at Home Depot (as a well as a full review of its credit card) here.

Got a brand you’d like to see us tackle? Leave it in the comments section and we’ll get it in our queue. 

Image: PeopleImages

The post 17 Ways to Save at Lowe’s appeared first on Credit.com.

15 Ways to Save at Crate & Barrel

save_at_crate_&_barrel

Whether you’ve just scored a new abode or you’ve been living in your place for a while and it could use a little updating, Crate & Barrel is a long-standing go-to when it comes to home furnishings. The store sells quality goods, so prices for some items can be on the higher end. Luckily there are some pretty easy ways to save. Here are 15 of them.

1. Sign Up for the Newsletter

Provide your email address for current offers, sales and news.

2. Shop the Special Offers & Rebates Section

Crate & Barrel often offers added incentives for customers to shop by including things like gift cards for free items with purchase in their Special Offers & Rebates section. Examples include things like a $30 gift card with purchase of a KitchenAid Mixer or up to 50% off Viking Contemporary seven-piece cookware sets.

3. Wait for Items to Make it to the Clearance Section

As with any store, Crate & Barrel needs to move inventory frequently to make room for new items, especially as they relate to seasonal goods. Check with the Clearance and Outlet section of the site frequently to see if the things you need have gone on sale.

4. Check the Site for Coupon Offers

Before heading to the store or making a purchase online, be sure to check with the coupon section of the chain’s website to see if any special offers are happening.

5. Never Pay for Shipping

Even if you can’t make it into the store to buy your goods, make sure you never pay for shipping by checking out the Free Shipping section of the site and only order the items you need once they won’t cost you to ship.

6. Apply for the Crate & Barrel Credit Card

If you’re a savvy credit card user and frequent Crate & Barrel shopper, its credit card can earn you 10% back in reward dollars or six months of special financing, as well as other perks like special offers and access to events. The card has no annual fee, but like most store cards it does come with a hefty variable annual percentage rate (27.49%), so only get one if you can pay the card off in full every single time you use it. Favor a different brand? You can learn more about the best credit cards for a stress-free shopping spree right here.

Just be sure to check your credit before applying for any new plastic. Otherwise, you risk a rejection — and a hard inquiry on your credit report — for naught. (You can view two of your credit scores for free on Credit.com.)

7. Use Your Crate & Barrel Card at its Sister Stores

You can use your Crate & Barrel credit card at CB2 and The Land of Nod as well to really rack up the reward dollars you earn.

8. Create a Registry

When you create a wedding registry with Crate & Barrel, you’ll have access to their 10% completion credit for six months after your event, which applies to anything left on your registry as well as items in the store or online. Learn more here.

9. Search Online for Coupons

Check out sites like dealsplus, RetailMeNot, Coupon Cabin and Savings.com for discount codes that you can apply to your Crate & Barrel purchases, or …

10. … Install a Coupon Aggregator on Your Computer

Browser extensions like Honey will automatically find and apply coupon codes for you at checkout.

11. Purchase Used Gift Cards

Visit a gift card resale site and search for Crate & Barrel gift cards that you can buy at a discounted rate.

12. Follow Crate & Barrel on Social Media

Never miss a sale when you follow Crate & Barrel on their social media sites, like Twitter and Facebook.

13. Keep an Eye Out for Special Ways to Earn More Savings

Every now and then Crate & Barrel will offer additional ways to enter for a chance to save — which is all the more reason to keep an eye out on their social media pages for updates.

14. Earn Cash Back

Use a cash back or rebate site to earn a little bit extra back on your Crate & Barrel purchases.

15. Let the Brand Know You’re Moving

Register your move with the U.S. Postal Service online and be sure to click on the section that allows you to receive coupons from certain home goods stores — Crate & Barrel has been known to send them to new homeowners for 10% off.

Want more brand hacks? We’ve got 15 ways to save at Bed Bath & Beyond and 18 ways to save at CVS.

Have a brand you’d like us to tackle? Let us know in the comments section below.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: kupicoo

The post 15 Ways to Save at Crate & Barrel appeared first on Credit.com.