Insider tips to cut your bill without giving up the fun of browsing
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Wait for deeper markdowns. Clearance follows a cycle (15% 30% 50% 70% 90%). If theres lots of inventory at 15% or 30%, come back in a week or two.
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Stack every app discount. Combine Circle offers, activated manufacturer coupons, gift card promos, and your 5% Circle Card savings in one trip.
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Buy dcor and seasonal items off-season. Trendy home goods and holiday stuff oftenends up 5090% off, and not just in the main clearance aisle, but scattered on random endcaps.
Target is a carefully designed environment set-up for you to overspend. How many times have you walked in for just a couple things and walked out with a $78 receipt?
The lighting feels nicer than Walmarts, the aisles are roomy, the displays look more like Pinterest boards, and the prices feel cheap enough.
Once you understand how the system at Target works, you can flip the script and start walking out with actual deals instead of credit card regret.
Heres how to really save money at Target.
Learn the Target clearance markdown rhythm
Target doesnt randomly mark clearance items down. A pattern definitely exists.Employees know it, but most regular Target shoppers dont.
When you see a clearance price tag, know that it gets marked down in stages.
Specifically, clearance starts at 15% off, then goes to 30%, then 50%, then 70%, and then the holy grail of 90% off (if inventory lingers).
Look at the little number in the upper-right corner of the clearance price sticker, it will read 15, 30, 50, 70 or 90. Thats the percent off the original price. That tells you where the item is in the markdown process.
I was told by more than one Target employee that they do their clearance markdowns every 10-14 days.
So, when you see something on clearance and its only marked down by 15% or 30%, know that it will get marked down further if it doesnt sell out.
The takeaway: If you see something you like on clearance and its only 15% off, walk away, especially if theres a lot of inventory. Theres a great chance you can come back in a week or two and get it for 50% or even 70% off.
Learn to use the Target app to stack discounts
Most people use the Target app to see if something is in stock. Thats fine, but the real power with their app is in learning to stack discounts for some serious savings.
Inside the app youve got the following:
- Target Circle offers (store coupons)
- Manufacturer coupons (yes, digital ones still exist)
- Gift card promos (Spend $50, get a $15 gift card)
- Your 5% Circle Card discount (if you have the card)
When you learn to stackthese discounts together, the savings canadd up quickly.
For example, lets say youre buying $50 of household stuff like paper towels, dish soap, detergent, and trash bags.
You can often stack the following discounts via their app:
- Clip a Target Circle offerand save aflat dollar amount -OR-up to 20%.
- Add a dollar-offmanufacturer coupon.
- Activate a Spend $50, get a $15 gift card promo.
- Pay with a Target Circle Card and save another 5%.
In my example above, you could end up only paying around $41 out of pocket, and also walk away with a $15 gift card.
Your net cost for $50 worth of essentials just dropped into the mid-$20s.
Other tips worth knowing when stacking Target offers:
- Circle offers will apply automatically to your purchase; you just need the cashier to scan your barcode within the app.
- For manufacturer coupons, you actually have to activate them. Just tap the small green box next to the deal to add it.
- Manufacturer coupons refresh often in the Target app, so its smart to scroll through them before you shop and hit apply on anything you might use. That way theyll stay saved to your account, which means fewer missed savings at checkout.
If its decorative, assume its headed to clearance
Targets home dcor is a trap. A stylish, well-lit, smells-like-vanilla trap.
Brands like Hearth & Hand, Studio McGee, and Threshold rotate constantly. New looks come in, old ones quietly slide to the back and then to clearance.
Throw pillows. Table runners. Fake plants. Picture frames. Random ceramic objects that serve no purpose but feel important in the moment.
If its not essential and its tied to a look or season, theres a very good chance itll be 30% to 70% off within a few months.
This is especially true right after:
- Back-to-school resets
- Fall dcor transitions
- Holiday flips (Christmas to winter, winter to spring)
If you love it but dont need it now, wait. Your future self might buy it for half price.
The clearance sections are not always where you think
Most people check one sad little endcap and assume thats the clearance. Thats not how it works at Target.
Instead, Target hides clearance stuff in multiple spots in the store:
- A dedicated clearance endcap in each department.
- Random endcaps scattered throughout aisles.
- The back wall of clothing departments.
- Sometimes mixed right into the regular racks and shelves.
The back wall in womens, mens, and kids clothing is especially good. Thats where 50% and 70% off racks often live.
And heres the kicker: shelf tags are frequently wrong or outdated.
Always scan items in the app. Youll sometimes find a price thats way lower than the sticker. Ive seen $19.99 items ring up for $5.98 because they were on a later markdown stage the tag didnt show yet.
Scanning feels annoying until you realize its basically a price-check lottery you win more often than youd think.
Shop one season ahead, not in the moment
Target is legendary for post-holiday clearance sales where you can save quite a bit of money.
By being a patient shopper, and waiting for these sales, you can often save 50%, then 70%, then sometimes 90% as Target basically starts to give stuff away.
Right after major holidays is the perfect time to buy the following:
- Gift wrap and bags
- Party supplies
- Classroom treats and dcor
- Storage bins and baskets
- Outdoor string lights after summer
Also, consider buying Valentines stuff for next year on February 15th of this year.
Grab Easter basket fillers right after Easter. Stock-up on patio accessories in late summer, when the store is pushing back-to-school gear.
Pro tip: Dont just check the seasonal aisle. Instead, walk the endcaps and random clearance shelves around the store. When Target goes into deep clearance mode (7090%), employees start consolidating leftover holiday items and scatterthem throughout the store to clear space fast.
Posted: 2026-01-29 22:48:06
