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Q: Back-to-school shopping kills my budget each year. Is there any way to start the year off right…without spending a small fortune?

Q: Summer always puts a big strain on my budget. There are so many extra expenses! I've been looking for a way to get through these months without racking up a huge credit card bill, and one option I'm considering is Skip-a-Pay. What do I need to know about this program?

Are you a regular at Target? If you love the store’s wide layout and great discounts, you’ll want to know this money hack! Target has a simple system for all markdowns. When the last number of a price is an eight, that item’s price may later be reduced further. If the last digit of the price is a four, that’s the lowest it’ll go. So, if you see a must-have sweater on sale for $19.88, don’t throw it in your cart just yet! Hold off a little bit and maybe you’ll get an even better deal.