Money Management

[[{“value”:”Image source: The Motley Fool/Upsplash
Ah, November, a month dedicated to crunchy leaves underfoot, giant feasts with the most distant of relations, and, as it turns out, saving money. Although maybe November isn’t really known for investing money in certificates of deposit (CDs), this year it should be. After all, your chances to continue to secure a good rate are diminishing, and that means you’re going to need to make a move.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Maybe you can give the gift of compounded interest this holiday season.Even if you don’t want to put a CD under the Christmas tree in December, November is a great time to open a CD, and here’s why.1. Rates are on the declineIt’s no secret that the Federal Reserve Board met in September and cut the federal funds rate by a half percentage point after the meeting. Leading up to that meeting, and ever since, CD rates have been on the decline. For example, in September, the average yield on a 12-month CD was 4.38%, but it was down to 3.98% in October.It’s the same case for 24-month and 60-month CDs, too. The average 24-month has dropped from 3.91% in September to 3.66% in October; the average 60-month has gone from 3.71% in September to 3.58% in October. Given that there’s at least another half-percent rate cut expected through the end of the year, according to the CME Fedwatch Tool, there is no time like the present to get your CDs locked down.Luckily for you, we’ve got a list of some of the highest-yielding CDs available right now. Click here to see what kinds of CD rates you can still secure in November.2. Lock in solid passive incomeHigh-yield savings accounts (HYSAs) have been all the rage for a while, but as interest rates drop, so do savings account rates. Although you can still get an HYSA in the 4% range if you look pretty hard, there’s no way to guarantee they’ll stay in that window as other interest rates drop.The best way to guarantee solid passive income with your savings accounts is to transfer funds (those you’re sure not to need in the near term) into certificates of deposit. With a CD, you’re locked in for the period of the CD, be it six months, 12 months, or even 60 months. You know exactly how much income you’ll generate in that time, regardless of the interest rate environment. And that’s a pretty comforting thought, really.If you’re not ready to jump into a CD yet, and want to see where HYSAs will go, we’ve also got a list for that — and there are still some great rates to be had for now. You can always jump into a CD when your bank alerts you that it’ll be cutting your HYSA’s rate.3. Low input, high rewardsPerhaps the most convincing and important reason to buy a CD in November — or any time — is that it’s literally a set-it-and-forget-it investment. Unlike stocks or index funds that may require you to review your investment from time to time, a CD demands none of this. It simply makes money in the dark, growing like a mushroom loaded with cash.CDs generally compound their earnings monthly, which is great for you as an investor. So, for example, if you put $5,000 in a 12-month CD at 3.98%, you’ll have earned $202.67 while doing nothing. It gets better the longer you’re at it, though. A $5,000 60-month CD at 3.58% will yield you $978.51 without you doing a thing.CDs are still premium investment vehicles — for nowThe truth is that CDs are still amazing investments for cash you intend to keep in an account for a set period of time (ideally, five years or less). But they won’t be great investments forever, as rates drop and other, more active investments begin to pay better. Go ahead and buy that CD this year, wrap it in a bow, set it under the tree, and completely forget about it while it makes money for months (or years) to come.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Ah, November, a month dedicated to crunchy leaves underfoot, giant feasts with the most distant of relations, and, as it turns out, saving money. Although maybe November isn’t really known for investing money in certificates of deposit (CDs), this year it should be. After all, your chances to continue to secure a good rate are diminishing, and that means you’re going to need to make a move.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Maybe you can give the gift of compounded interest this holiday season.

Even if you don’t want to put a CD under the Christmas tree in December, November is a great time to open a CD, and here’s why.

1. Rates are on the decline

It’s no secret that the Federal Reserve Board met in September and cut the federal funds rate by a half percentage point after the meeting. Leading up to that meeting, and ever since, CD rates have been on the decline. For example, in September, the average yield on a 12-month CD was 4.38%, but it was down to 3.98% in October.

It’s the same case for 24-month and 60-month CDs, too. The average 24-month has dropped from 3.91% in September to 3.66% in October; the average 60-month has gone from 3.71% in September to 3.58% in October. Given that there’s at least another half-percent rate cut expected through the end of the year, according to the CME Fedwatch Tool, there is no time like the present to get your CDs locked down.

Luckily for you, we’ve got a list of some of the highest-yielding CDs available right now. Click here to see what kinds of CD rates you can still secure in November.

2. Lock in solid passive income

High-yield savings accounts (HYSAs) have been all the rage for a while, but as interest rates drop, so do savings account rates. Although you can still get an HYSA in the 4% range if you look pretty hard, there’s no way to guarantee they’ll stay in that window as other interest rates drop.

The best way to guarantee solid passive income with your savings accounts is to transfer funds (those you’re sure not to need in the near term) into certificates of deposit. With a CD, you’re locked in for the period of the CD, be it six months, 12 months, or even 60 months. You know exactly how much income you’ll generate in that time, regardless of the interest rate environment. And that’s a pretty comforting thought, really.

If you’re not ready to jump into a CD yet, and want to see where HYSAs will go, we’ve also got a list for that — and there are still some great rates to be had for now. You can always jump into a CD when your bank alerts you that it’ll be cutting your HYSA’s rate.

3. Low input, high rewards

Perhaps the most convincing and important reason to buy a CD in November — or any time — is that it’s literally a set-it-and-forget-it investment. Unlike stocks or index funds that may require you to review your investment from time to time, a CD demands none of this. It simply makes money in the dark, growing like a mushroom loaded with cash.

CDs generally compound their earnings monthly, which is great for you as an investor. So, for example, if you put $5,000 in a 12-month CD at 3.98%, you’ll have earned $202.67 while doing nothing. It gets better the longer you’re at it, though. A $5,000 60-month CD at 3.58% will yield you $978.51 without you doing a thing.

CDs are still premium investment vehicles — for now

The truth is that CDs are still amazing investments for cash you intend to keep in an account for a set period of time (ideally, five years or less). But they won’t be great investments forever, as rates drop and other, more active investments begin to pay better. Go ahead and buy that CD this year, wrap it in a bow, set it under the tree, and completely forget about it while it makes money for months (or years) to come.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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[[{“value”:”Image source: Getty Images
You probably know that a big reason to join Costco is to save money on things like groceries, cleaning supplies, and paper products. But if you don’t tend to do a lot of cooking, and you commonly buy your cleaning products from a competitor like Target at a fair price, then you may not feel compelled to sign up for a Costco membership given the cost.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!A basic Gold Star membership at Costco costs $65 a year. Or, you can upgrade to an Executive membership for $130 and earn 2% cash back on your Costco purchases.But the value of a Costco membership extends well beyond savings on bulk food purchases and household essentials. Here are a few benefits of joining Costco that may surprise you.1. Affordable travel packages with built-in perksTravel has the potential to be expensive, especially if you have a larger family. So you may be interested to know that Costco offers a host of affordable travel packages, from resorts to theme park stays. And when you book through Costco, you get experienced travel professionals in your corner who can answer your questions and help you find the perfect getaway.Plus, Costco travel packages tend to come with extras that can save you money at your destination. If you book a cruise through Costco, you may be eligible for a room credit you can use for expenses like excursions or drinks. And if you book a stay at a resort, you may get a credit that’s redeemable for things like spa services or motorized sports that aren’t included in your room rate.2. Low-cost gas that’s high in qualityGas can be a huge expense, but joining Costco might help in that regard. Not only does Costco sell some of the cheapest fuel in town, but Costco’s gas carries the TOP TIER™ designation. This means that it’s designed to clean your engine and lead to better performance.Plus, if you use the right credit card for a Costco fill-up, you may find that you’re able to slash your fuel costs substantially via a combination of a lower price per gallon and extra cash back. Click here for a list of the best credit cards for gasoline purchases.3. Discounted gift cardsGift cards make a great gift. And with the holidays coming up, you may have a whole list of people to give them to, from your kids’ teachers and coaches to your cousins you commonly swap presents with.The great thing about joining Costco is that you get access to gift cards that are discounted below their face value. For example, right now, Costco is selling four $25 gift cards to Domino’s for $74.99 instead of $100. That’s a huge amount of savings.4. Early access to holiday dealsThe longer you wait to do your holiday shopping, the more stressful you might find it. You should know that Costco already has a host of holiday deals available in stores and online. You can save money on everything from TVs to jewelry to clothing.Costco also has a nice selection of gift baskets available online and in stores. These make a great gift because your recipients can eat their delicious contents without having to make room for another thing in their homes.5. Extended warranties on electronicsWhether you’re buying electronics for the holidays or in general, it’s important to feel confident when you’re making a large purchase of that nature. The nice thing about buying electronics from Costco is that they come with a free second-year warranty for added peace of mind.Plus, Costco electronics come with free tech support. That means you’re less likely to run into issues setting them up or using them. And you also get 90 days to return electronics that don’t work out.There are a host of perks Costco members get to enjoy. But one final benefit is that your satisfaction with your membership is guaranteed. If you sign up for a membership and don’t end up getting great value from it, you can cancel at any time for a full refund. For this reason, it pays to give Costco a try, since there’s no risk and a whole lot to gain.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Maurie Backman has positions in Target. The Motley Fool has positions in and recommends Costco Wholesale and Target. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

You probably know that a big reason to join Costco is to save money on things like groceries, cleaning supplies, and paper products. But if you don’t tend to do a lot of cooking, and you commonly buy your cleaning products from a competitor like Target at a fair price, then you may not feel compelled to sign up for a Costco membership given the cost.

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

A basic Gold Star membership at Costco costs $65 a year. Or, you can upgrade to an Executive membership for $130 and earn 2% cash back on your Costco purchases.

But the value of a Costco membership extends well beyond savings on bulk food purchases and household essentials. Here are a few benefits of joining Costco that may surprise you.

1. Affordable travel packages with built-in perks

Travel has the potential to be expensive, especially if you have a larger family. So you may be interested to know that Costco offers a host of affordable travel packages, from resorts to theme park stays. And when you book through Costco, you get experienced travel professionals in your corner who can answer your questions and help you find the perfect getaway.

Plus, Costco travel packages tend to come with extras that can save you money at your destination. If you book a cruise through Costco, you may be eligible for a room credit you can use for expenses like excursions or drinks. And if you book a stay at a resort, you may get a credit that’s redeemable for things like spa services or motorized sports that aren’t included in your room rate.

2. Low-cost gas that’s high in quality

Gas can be a huge expense, but joining Costco might help in that regard. Not only does Costco sell some of the cheapest fuel in town, but Costco’s gas carries the TOP TIER™ designation. This means that it’s designed to clean your engine and lead to better performance.

Plus, if you use the right credit card for a Costco fill-up, you may find that you’re able to slash your fuel costs substantially via a combination of a lower price per gallon and extra cash back. Click here for a list of the best credit cards for gasoline purchases.

3. Discounted gift cards

Gift cards make a great gift. And with the holidays coming up, you may have a whole list of people to give them to, from your kids’ teachers and coaches to your cousins you commonly swap presents with.

The great thing about joining Costco is that you get access to gift cards that are discounted below their face value. For example, right now, Costco is selling four $25 gift cards to Domino’s for $74.99 instead of $100. That’s a huge amount of savings.

4. Early access to holiday deals

The longer you wait to do your holiday shopping, the more stressful you might find it. You should know that Costco already has a host of holiday deals available in stores and online. You can save money on everything from TVs to jewelry to clothing.

Costco also has a nice selection of gift baskets available online and in stores. These make a great gift because your recipients can eat their delicious contents without having to make room for another thing in their homes.

5. Extended warranties on electronics

Whether you’re buying electronics for the holidays or in general, it’s important to feel confident when you’re making a large purchase of that nature. The nice thing about buying electronics from Costco is that they come with a free second-year warranty for added peace of mind.

Plus, Costco electronics come with free tech support. That means you’re less likely to run into issues setting them up or using them. And you also get 90 days to return electronics that don’t work out.

There are a host of perks Costco members get to enjoy. But one final benefit is that your satisfaction with your membership is guaranteed. If you sign up for a membership and don’t end up getting great value from it, you can cancel at any time for a full refund. For this reason, it pays to give Costco a try, since there’s no risk and a whole lot to gain.

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Maurie Backman has positions in Target. The Motley Fool has positions in and recommends Costco Wholesale and Target. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
Based on information gathered from credit reporting agencies, your FICO® Score ranges from 300 to 850, with 850 considered “perfect.” According to Experian, only 1.54% of Americans have a perfect credit score.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Let’s find out whether a perfect credit score benefits you, and what you should do with it once you achieve it.Upgrade your credit cardLet’s say you’ve carried the same credit card for years, and while it’s been serviceable, it doesn’t offer many bells and whistles. Now that you’ve hit the perfect mark with your credit score, you’re looking for a card that better suits your needs. While you used to get nervous about applying for new credit, your top-of-the-mountain credit score makes it easy to apply confidently.Ready for something new? Click here for our picks for the best credit cards.Refinance high-interest debtIf you’re paying high-interest debt, why? Maybe you took on a loan when you were too young to have much of a credit history, or your credit score once dipped low enough to prevent you from snagging a great rate on a loan or credit card. Now is the time to look into a lower-interest consolidation loan. Here’s how a consolidation loan works:You add up how much you owe in high-interest debt. This can include debt of any kind, from credit cards to payday loans.You apply for a consolidation loan large enough to pay off each of your existing debts.The lender deposits a lump-sum check into your bank account or pays off your old creditors directly.Instead of several debts, you’re left with a single lower-interest debt.Paying less in interest means saving money over the life of the loan.While consolidation loans are a great option, they’re not your only option. You can opt for a balance transfer credit card instead. In addition to offering a 0% promotional period, the best balance transfer cards provide cardholders with an excellent array of perks and benefits.Make a major purchaseIf you’ve postponed a significant purchase, there’s no better time to take care of business than when your credit score is at its highest. It’s no secret that lenders reserve the best interest rates for “highly qualified” borrowers.And unless your credit score is at complete odds with your spending habits (which is doubtful), chances are with a perfect credit score, you’re a highly qualified borrower. Here’s a peek at how much a lower interest rate can save you.Imagine that Taylor and Cameron each purchase a new car. They’ve negotiated the same sales price, and both plan to finance $30,000 for four years. With a credit score of 650, Taylor’s credit is considered “fair,” and Taylor is offered an interest rate of 9.75%. With a score of 850, Cameron lands an interest rate of 7%. Let’s compare their monthly payments and total interest:BuyerAnnual Percentage Rate (APY)Monthly Payment for 48 MonthsTotal Interest PaidTaylor9.75%$757$6,349Cameron7.00%$718$4,483Data source: Author’s calculations.Taylor’s monthly payment may only be $39 higher than Cameron’s, but Taylor pays $1,866 more in interest over 48 months. That’s $1,866 Taylor could have used to pay the balance on their favorite credit card, cover the cost of their auto insurance for one year, or save for a rainy day.Protect your scorePerfect credit scores don’t just “happen.” You’ve probably worked very hard to get it where it is today. Now that you’ve achieved a perfect score, take steps to protect it.Here are some of the easiest ways to keep your score healthy:Continue to pay bills on time.Don’t let debt pile up. Any time you take on new debt, devise a plan to pay it down as quickly as possible.Apply for new credit sparingly.Keep credit accounts open, even when there’s no balance.Review your credit reports regularly. You can order a free copy of your report from the three major credit reporting agencies by visiting AnnualCreditReport.com.Think twice before cosigning a loan or allowing someone else to become an authorized user on one of your credit accounts.Whether your credit score has already hit 850 or you’re working to raise your score, congratulations! You’re taking steps to make your financial life a little easier. You may just be surprised by how many doors a strong credit score can open.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. Dana George has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Based on information gathered from credit reporting agencies, your FICO® Score ranges from 300 to 850, with 850 considered “perfect.” According to Experian, only 1.54% of Americans have a perfect credit score.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Let’s find out whether a perfect credit score benefits you, and what you should do with it once you achieve it.

Upgrade your credit card

Let’s say you’ve carried the same credit card for years, and while it’s been serviceable, it doesn’t offer many bells and whistles. Now that you’ve hit the perfect mark with your credit score, you’re looking for a card that better suits your needs. While you used to get nervous about applying for new credit, your top-of-the-mountain credit score makes it easy to apply confidently.

Ready for something new? Click here for our picks for the best credit cards.

Refinance high-interest debt

If you’re paying high-interest debt, why? Maybe you took on a loan when you were too young to have much of a credit history, or your credit score once dipped low enough to prevent you from snagging a great rate on a loan or credit card. Now is the time to look into a lower-interest consolidation loan. Here’s how a consolidation loan works:

You add up how much you owe in high-interest debt. This can include debt of any kind, from credit cards to payday loans.You apply for a consolidation loan large enough to pay off each of your existing debts.The lender deposits a lump-sum check into your bank account or pays off your old creditors directly.Instead of several debts, you’re left with a single lower-interest debt.Paying less in interest means saving money over the life of the loan.

While consolidation loans are a great option, they’re not your only option. You can opt for a balance transfer credit card instead. In addition to offering a 0% promotional period, the best balance transfer cards provide cardholders with an excellent array of perks and benefits.

Make a major purchase

If you’ve postponed a significant purchase, there’s no better time to take care of business than when your credit score is at its highest. It’s no secret that lenders reserve the best interest rates for “highly qualified” borrowers.

And unless your credit score is at complete odds with your spending habits (which is doubtful), chances are with a perfect credit score, you’re a highly qualified borrower. Here’s a peek at how much a lower interest rate can save you.

Imagine that Taylor and Cameron each purchase a new car. They’ve negotiated the same sales price, and both plan to finance $30,000 for four years. With a credit score of 650, Taylor’s credit is considered “fair,” and Taylor is offered an interest rate of 9.75%. With a score of 850, Cameron lands an interest rate of 7%. Let’s compare their monthly payments and total interest:

Taylor’s monthly payment may only be $39 higher than Cameron’s, but Taylor pays $1,866 more in interest over 48 months. That’s $1,866 Taylor could have used to pay the balance on their favorite credit card, cover the cost of their auto insurance for one year, or save for a rainy day.

Protect your score

Perfect credit scores don’t just “happen.” You’ve probably worked very hard to get it where it is today. Now that you’ve achieved a perfect score, take steps to protect it.

Here are some of the easiest ways to keep your score healthy:

Continue to pay bills on time.Don’t let debt pile up. Any time you take on new debt, devise a plan to pay it down as quickly as possible.Apply for new credit sparingly.Keep credit accounts open, even when there’s no balance.Review your credit reports regularly. You can order a free copy of your report from the three major credit reporting agencies by visiting AnnualCreditReport.com.Think twice before cosigning a loan or allowing someone else to become an authorized user on one of your credit accounts.

Whether your credit score has already hit 850 or you’re working to raise your score, congratulations! You’re taking steps to make your financial life a little easier. You may just be surprised by how many doors a strong credit score can open.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. Dana George has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
The holiday season is quickly approaching, and many retailers have reduced the prices of popular gift items to help make the upcoming gift-giving season more affordable. Target is one such retailer that offers early holiday deals that could help you save money.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Want to get a head start on your shopping list? Here are a few fantastic deals that just dropped at Target. But don’t delay — the following deals are valid through Nov. 9.1. 10.2-inch Apple iPad: $199.99 ($130 savings)Got someone on your list who loves all things tech? An iPad would make for a thoughtful present. You can purchase a 10.2-inch Wi-fi Apple iPad with 64 GB of storage for $199.99, instead of $329.99.This iPad has excellent reviews and is available in Silver or Space Gray. By purchasing this gadget from Target this week, you’ll save $130 and leave with a great gift.2. KitchenAid 5.5-quart Bowl-Lift Stand Mixer: ($170 savings)Everyone raves about KitchenAid mixers, but they’re a significant investment. Whether you want to treat a loved one or yourself to this top-rated kitchen item, now is the time to shop. You can get a KitchenAid 5.5-quart Bowl-Lift Stand Mixer for $279.99 instead of $449.99, a savings of $170. Target has several color options in stock. Take advantage of this incredible offer.Want to save more while checking off items on your holiday shopping list? Remember to use a credit card that earns rewards at checkout. Check out our list of the top cash back credit cards with big rewards.3. 6-quart Gourmia Digital Window Air Fryer: $34.99 ($35 savings)For many people, having an air fryer helps them get meals on the table faster. You can get a discount on a brand-new air fryer this week. Target is selling the 6-quart Gourmia Digital Window Air Fryer for $34.99.The retail price for this kitchen must-have is $69.99. It has 12 one-touch presets and guided cooking prompts to make cooking easier. You’ll save $35 with this buy.4. Beats Studio Pro Bluetooth Wireless Headphones: $169.99 ($180 savings)A quality pair of headphones is a perfect gift for the music lover in your life. If you know where and when to shop, you won’t spend a fortune on this purchase. Target has a deal that could save you $180.You can get a pair of Beats Studio Pro Bluetooth Wireless Headphones for $169.99 instead of $349.99. These stylish headphones are available in multiple colors.You can maximize your savings by using a rewards credit card to pay for your Target haul. Click here to compare our top credit cards and learn which cards offer the best perks.5. TCL 50-inch Class S5-Series 4K UHD HDR LED Smart Google TV: $239.99 ($60 savings)This deal is worth considering if you want to upgrade your living room TV. Target has the TCL 50-inch Class S5-Series 4K UHD HDR LED Smart Google TV on sale at a $60 discount this week. You can buy it for $239.99 instead of $299.99. With this purchase, you can take your movie nights at home to the next level without draining all the funds in your checking account.Pay attention to early holiday shopping salesNow is a good time to start tackling your holiday shopping. You don’t have to wait until Black Friday to land big discounts. Retailers like Target have early shopping sales that can help you stretch your shopping budget. Deals like the ones above can help you maximize your savings.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet, Apple, and Target. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

The holiday season is quickly approaching, and many retailers have reduced the prices of popular gift items to help make the upcoming gift-giving season more affordable. Target is one such retailer that offers early holiday deals that could help you save money.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Want to get a head start on your shopping list? Here are a few fantastic deals that just dropped at Target. But don’t delay — the following deals are valid through Nov. 9.

1. 10.2-inch Apple iPad: $199.99 ($130 savings)

Got someone on your list who loves all things tech? An iPad would make for a thoughtful present. You can purchase a 10.2-inch Wi-fi Apple iPad with 64 GB of storage for $199.99, instead of $329.99.

This iPad has excellent reviews and is available in Silver or Space Gray. By purchasing this gadget from Target this week, you’ll save $130 and leave with a great gift.

2. KitchenAid 5.5-quart Bowl-Lift Stand Mixer: ($170 savings)

Everyone raves about KitchenAid mixers, but they’re a significant investment. Whether you want to treat a loved one or yourself to this top-rated kitchen item, now is the time to shop. You can get a KitchenAid 5.5-quart Bowl-Lift Stand Mixer for $279.99 instead of $449.99, a savings of $170. Target has several color options in stock. Take advantage of this incredible offer.

Want to save more while checking off items on your holiday shopping list? Remember to use a credit card that earns rewards at checkout. Check out our list of the top cash back credit cards with big rewards.

3. 6-quart Gourmia Digital Window Air Fryer: $34.99 ($35 savings)

For many people, having an air fryer helps them get meals on the table faster. You can get a discount on a brand-new air fryer this week. Target is selling the 6-quart Gourmia Digital Window Air Fryer for $34.99.

The retail price for this kitchen must-have is $69.99. It has 12 one-touch presets and guided cooking prompts to make cooking easier. You’ll save $35 with this buy.

4. Beats Studio Pro Bluetooth Wireless Headphones: $169.99 ($180 savings)

A quality pair of headphones is a perfect gift for the music lover in your life. If you know where and when to shop, you won’t spend a fortune on this purchase. Target has a deal that could save you $180.

You can get a pair of Beats Studio Pro Bluetooth Wireless Headphones for $169.99 instead of $349.99. These stylish headphones are available in multiple colors.

You can maximize your savings by using a rewards credit card to pay for your Target haul. Click here to compare our top credit cards and learn which cards offer the best perks.

5. TCL 50-inch Class S5-Series 4K UHD HDR LED Smart Google TV: $239.99 ($60 savings)

This deal is worth considering if you want to upgrade your living room TV. Target has the TCL 50-inch Class S5-Series 4K UHD HDR LED Smart Google TV on sale at a $60 discount this week. You can buy it for $239.99 instead of $299.99. With this purchase, you can take your movie nights at home to the next level without draining all the funds in your checking account.

Pay attention to early holiday shopping sales

Now is a good time to start tackling your holiday shopping. You don’t have to wait until Black Friday to land big discounts. Retailers like Target have early shopping sales that can help you stretch your shopping budget. Deals like the ones above can help you maximize your savings.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Alphabet, Apple, and Target. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Upsplash/The Motley Fool
The holiday season will be here before we know it. In the coming weeks, you may find yourself hitting a series of stores in an effort to avoid last-minute holiday shopping.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!Costco is one store it pays to check out for holiday gifts, decorations, and more. Not only is the store known for its everyday low prices, but Costco already has holiday sales running so you can get a jump start on tackling your list.Generally, shopping at Costco requires you to have a membership. A Gold Star membership costs $65 a year, or you can upgrade to an Executive membership for $130 and get 2% cash back on your purchases.If you don’t like the idea of paying for Costco access, you should know that technically, you can do your holiday shopping there without buying a membership. But there are pitfalls to going that route.How to shop at Costco for the holidays without a membershipIf you’re eager to benefit from Costco’s low prices but you don’t want to shell out for the membership fee, you could always do your shopping online. Anyone can place an order on Costco.com and have it delivered to their door.But there are a couple of drawbacks. First, you’ll be charged 5% more for your order as a non-member. And whether that surcharge makes sense to pay will depend on the extent of your savings.If you see an item you want listed on Costco.com for $100 and the next-best price you find is $110 at another retailer, then it’s worth paying a $5 non-member surcharge. But you should also know that Costco’s in-store prices are almost always cheaper than its online prices. So for the most part, you won’t be getting the maximum savings by shopping online as a non-member.You can also get into a Costco store for free by tagging along with a paying member or having that member buy you a Shop Card (Costco’s version of a gift card). But in either situation, you’re reliant on somebody else for Costco access.If your neighbor who you want to shop with only goes to Costco once a month and won’t be heading there until late November, you might miss out on some of the current deals. Similarly, if they drag their feet in buying you a Shop Card, you may get stuck shopping later in the month, at which point you may wind up more stressed.Consider the many benefits a Costco membership offersWhile you can shop at Costco without a membership, whether you should is a different story. Before you decide that a membership isn’t worth paying for, consider the many benefits.In addition to savings on holiday items, a Costco membership gives you access to perks like affordable groceries; cheap, high-quality gas; and reasonably priced travel packages. It also gives you benefits like low-cost eyeglasses, extended warranties on electronics, and discounted gift cards to a variety of popular restaurants and entertainment venues.Plus, you can enjoy added savings at Costco by using the right credit card when you shop there. Click here for a list of the best credit cards for Costco.Finally, don’t forget that Costco guarantees every customer’s satisfaction with its memberships. If you join and shop for the holidays but find that you don’t need the membership after that, you can always cancel and get a refund.All told, there’s really nothing to lose by signing up in November so you can access Costco whenever you want and enjoy lower prices than what you’ll typically see online.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Maurie Backman has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

The holiday season will be here before we know it. In the coming weeks, you may find yourself hitting a series of stores in an effort to avoid last-minute holiday shopping.

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

Costco is one store it pays to check out for holiday gifts, decorations, and more. Not only is the store known for its everyday low prices, but Costco already has holiday sales running so you can get a jump start on tackling your list.

Generally, shopping at Costco requires you to have a membership. A Gold Star membership costs $65 a year, or you can upgrade to an Executive membership for $130 and get 2% cash back on your purchases.

If you don’t like the idea of paying for Costco access, you should know that technically, you can do your holiday shopping there without buying a membership. But there are pitfalls to going that route.

How to shop at Costco for the holidays without a membership

If you’re eager to benefit from Costco’s low prices but you don’t want to shell out for the membership fee, you could always do your shopping online. Anyone can place an order on Costco.com and have it delivered to their door.

But there are a couple of drawbacks. First, you’ll be charged 5% more for your order as a non-member. And whether that surcharge makes sense to pay will depend on the extent of your savings.

If you see an item you want listed on Costco.com for $100 and the next-best price you find is $110 at another retailer, then it’s worth paying a $5 non-member surcharge. But you should also know that Costco’s in-store prices are almost always cheaper than its online prices. So for the most part, you won’t be getting the maximum savings by shopping online as a non-member.

You can also get into a Costco store for free by tagging along with a paying member or having that member buy you a Shop Card (Costco’s version of a gift card). But in either situation, you’re reliant on somebody else for Costco access.

If your neighbor who you want to shop with only goes to Costco once a month and won’t be heading there until late November, you might miss out on some of the current deals. Similarly, if they drag their feet in buying you a Shop Card, you may get stuck shopping later in the month, at which point you may wind up more stressed.

Consider the many benefits a Costco membership offers

While you can shop at Costco without a membership, whether you should is a different story. Before you decide that a membership isn’t worth paying for, consider the many benefits.

In addition to savings on holiday items, a Costco membership gives you access to perks like affordable groceries; cheap, high-quality gas; and reasonably priced travel packages. It also gives you benefits like low-cost eyeglasses, extended warranties on electronics, and discounted gift cards to a variety of popular restaurants and entertainment venues.

Plus, you can enjoy added savings at Costco by using the right credit card when you shop there. Click here for a list of the best credit cards for Costco.

Finally, don’t forget that Costco guarantees every customer’s satisfaction with its memberships. If you join and shop for the holidays but find that you don’t need the membership after that, you can always cancel and get a refund.

All told, there’s really nothing to lose by signing up in November so you can access Costco whenever you want and enjoy lower prices than what you’ll typically see online.

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Maurie Backman has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
Do you have a dairy allergy or prefer to consume dairy-free alternatives? Depending on where you stop for coffee and specialty drinks, ordering a beverage with milk alternatives can be much more expensive. And every extra cent you pay impacts your checking account balance.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Starbucks is one coffee chain that has been charging customers additional fees for non-dairy milk customizations. But that’s about to change starting on Nov. 7.Here’s what you need to know before ordering your next handcrafted drink at your local Starbucks.This change could save you money on your next coffee runStarbucks recently announced it would launch its holiday-themed menu on Nov. 7. But that’s not the only news the popular coffee brand shared with customers.Also on Nov. 7, Starbucks will no longer charge more when customers request non-dairy milk in their drinks. The company noted that non-dairy milk substitutions are a popular drink customization. It’s the second most popular customization, after adding espresso shots.Customers who request substitutions with non-dairy milk alternatives like soy, oat, almond, or coconut milk will no longer pay an added fee. The retailer noted that nearly half of current customers in the U.S. who modify their drinks will see a price reduction of over 10%.This change is welcome news for many Starbucks regulars. If you prefer non-dairy milk and have been paying extra for drink customizations at other coffee shops, you might consider ordering your next coffee at Starbucks to save money.Why not stash the money you save on drink customization fees in a savings account? Check out our list of the best high-yield savings accounts to start maximizing your savings dollars today.Earn rewards when you satisfy your Starbucks cravingsWhether you sometimes order beverages at Starbucks or are a regular customer, take advantage of the opportunity to earn rewards. By joining the Starbucks Rewards program, you can earn rewards (stars) every time you make a Starbucks run.It’s free to join. You can redeem your stars for freebies — including coffee or tea, sandwiches, bags of coffee bans, and merchandise. And who doesn’t like free stuff?How many stars you earn depends on how you pay for your order. If you pay with a debit or credit card, you’ll earn 1 star for every $1. You’ll earn 2 stars for every $1 when using a Starbucks gift card. You can easily buy or reload a virtual Starbucks gift card in the app.We suggest using a gift card as payment to maximize the stars you earn through the Starbucks Rewards program. You can use a credit card as payment when reloading gift cards.Using a rewards credit card can help you double up on the rewards you earn. Want to earn cash back rewards? Check out our list of the top cash back credit cards that offer big rewards.Not yet a Starbucks Rewards member? Now is an excellent time to join. Saving money by avoiding drink customization fees and earning free coffee and snacks as a rewards member can help you free up more money to put toward your financial goals.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Starbucks. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Do you have a dairy allergy or prefer to consume dairy-free alternatives? Depending on where you stop for coffee and specialty drinks, ordering a beverage with milk alternatives can be much more expensive. And every extra cent you pay impacts your checking account balance.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Starbucks is one coffee chain that has been charging customers additional fees for non-dairy milk customizations. But that’s about to change starting on Nov. 7.

Here’s what you need to know before ordering your next handcrafted drink at your local Starbucks.

This change could save you money on your next coffee run

Starbucks recently announced it would launch its holiday-themed menu on Nov. 7. But that’s not the only news the popular coffee brand shared with customers.

Also on Nov. 7, Starbucks will no longer charge more when customers request non-dairy milk in their drinks. The company noted that non-dairy milk substitutions are a popular drink customization. It’s the second most popular customization, after adding espresso shots.

Customers who request substitutions with non-dairy milk alternatives like soy, oat, almond, or coconut milk will no longer pay an added fee. The retailer noted that nearly half of current customers in the U.S. who modify their drinks will see a price reduction of over 10%.

This change is welcome news for many Starbucks regulars. If you prefer non-dairy milk and have been paying extra for drink customizations at other coffee shops, you might consider ordering your next coffee at Starbucks to save money.

Why not stash the money you save on drink customization fees in a savings account? Check out our list of the best high-yield savings accounts to start maximizing your savings dollars today.

Earn rewards when you satisfy your Starbucks cravings

Whether you sometimes order beverages at Starbucks or are a regular customer, take advantage of the opportunity to earn rewards. By joining the Starbucks Rewards program, you can earn rewards (stars) every time you make a Starbucks run.

It’s free to join. You can redeem your stars for freebies — including coffee or tea, sandwiches, bags of coffee bans, and merchandise. And who doesn’t like free stuff?

How many stars you earn depends on how you pay for your order. If you pay with a debit or credit card, you’ll earn 1 star for every $1. You’ll earn 2 stars for every $1 when using a Starbucks gift card. You can easily buy or reload a virtual Starbucks gift card in the app.

We suggest using a gift card as payment to maximize the stars you earn through the Starbucks Rewards program. You can use a credit card as payment when reloading gift cards.

Using a rewards credit card can help you double up on the rewards you earn. Want to earn cash back rewards? Check out our list of the top cash back credit cards that offer big rewards.

Not yet a Starbucks Rewards member? Now is an excellent time to join. Saving money by avoiding drink customization fees and earning free coffee and snacks as a rewards member can help you free up more money to put toward your financial goals.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Starbucks. The Motley Fool has a disclosure policy.

“}]] Read More