Two Simple Savings Methods for 2014

Simple Savings Methods

Simple Savings Method #1:

52 Week Savings Plan – Start by saving just $1 in the first week, $2 in week two, $3 in week three and so on.  By the end of 2014 you’ll have $1378!   To keep your motivation from running dry by the end of the year, you can do this in reverse.  Save $52 the first week, $51 the second, and so forth.

Simple Savings Method #2:

$5 Savings Plan – Save each $5 bill that comes into your possession.  It’s an easy, painless way to save!

Check out other Simple Ways to Save Money on

Target Christmas Clearance Schedule

Target Christmas Clearance Schedule

Heading to Target this morning to snag some after-Christmas deals?  Here’s what you need to know.

Target holiday markdowns usually follow a 3-3-2 schedule.  Clearance merchandise goes to 50% off the day after the holiday, then 3 days later 70%.  One exception: Bagged candy starts at 30% then goes to 50% and 70%.  Again, 3 days after that what’s left is 90% off.  days after that it goes to salvage (Goodwill).   More on that here:  Target Clearance Today, Goodwill Tomorrow.  


Christmas markdowns are a little bit different.  They’re done mainly decided on a store-by-store basis, and the process takes a little bit longer than other holiday markdowns (depending on how much inventory is left at your store).   Corporate has sales data and works with managers at each particular store to determine when things get marked down.  However, they’re still fairly predictable within a day or two.  Even if your store’s signs don’t reflect these discounts, it sometimes pays to take an item or two to the scanner.  Sometimes discounts ring up before signs change.


Predicted Target Christmas Clearance Schedule 2013:


  • December 26th = 50% off (bagged candy 30% off)
  • January 1st = 70% off (bagged candy 50% off)
  • January 4th = 90% off (bagged candy 70% off)


Related Target Information:



These photos were taken at the Target store in Mankato, MN on 12/22.  YMMV.

IMG_2744 IMG_2745 IMG_2746 IMG_2747

More on the Target Christmas Clearance Schedule at