Stores like T.J. Maxx are set up to help you save money shopping with more accessible pricing on everyday items. You can find gift sets and high-quality decor, clothing, fragrance, and more at these spots, making it easier to keep money in your pockets.
Just because it’s affordable, doesn’t mean there aren’t still ways to unnecessarily waste money at T.J. Maxx. Watch out for these nine common pitfalls.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!1 <p>See website for details.</p>
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Apply for a Discover Cashback Checking account today
Not shopping on sale days
Insiders know Mondays are when the retailer marks down prices on hundreds of items. Head in during the morning hours to score great prices before everyone else.
Keep your eyes peeled for the yellow clearance tags across the store, as items may be placed on end caps or at the cash wrap in addition to their original aisles.
Forgetting about clearance items
Each T.J. Maxx has clearance aisles or endcaps, displaying dozens of marked-down items. Each store often stocks these items in multiple sections across departments as well.
But sometimes, clearance items are scattered throughout the store. If you’re buying one item at full price, there may be a similar item – or even the exact same one – for a better price, so make sure to keep your eyes peeled.
Forgetting to ask for discounts on damaged items
Every once in a while, you’ll happen upon a piece of furniture or home decor item with slight cosmetic damage. Sometimes items get scratched during shipping, fall on the sales floor, or are even returned by previous customers.
If you notice an imperfection on your item and it hasn’t already been discounted, ask an associate for a price reduction.
Get a protection plan on all your appliances
Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more.
Whether or not you’re a new homeowner, a home warranty from Choice Home Warranty could pick up the slack where insurance falls short and protect you against surprise expenses. If a covered system in your home breaks, you can call their hotline 24/7 to get it repaired.
For a limited time, you can get your first month free with a Single Payment home warranty plan.
Not stocking up in January and July
Big box stores are working to clear their seasonal inventory in January and July. At the beginning of the year, you can grab pretty incredible deals on gifts, decor, and holiday items.
July brings you more warm-weather items like outdoor decor, swimwear, beach accessories, and exercise equipment.
Ignoring free shipping options
Avoid the hassle of in-person shopping with T.J. Maxx online. Not only can you earn rewards points the same as in-store, but there are more products to choose from, and you can add browser coupons to your orders.
Joining their email list also gets you free shipping on your first order. Otherwise, they run an offer of free shipping for purchases of $89 or more.
Trending Stories
Not being willing to dig
The store can get a little disheveled during the day. Sometimes, there’s so much stock that everything can get piled up and overwhelming.
At discount stores like T.J. Maxx and HomeGoods, you need to be prepared to dig around for the best deals and treasures that may be hidden in stacks of other home decor and clothing.
Not looking for purple tags
Did you know that if you see a purple tag on your clothing item or accessory at T.J. Maxx, that it indicates a designer item? These products are often deeply discounted but worth much more than the items surrounding them.
Find some great Betsey Johnson blouses, Steve Madden shoes, and other fun, household names with a purple tag.
Not signing up for the email list
Signing up for the email list at T.J. Maxx can get you a plethora of offers and discounts. Currently, if you sign up, your first order gets free shipping — with no exclusions.
Subscribers will continue to receive emails about upcoming deals, coupons, and offers.
Not filling out the online survey
T.J. Maxx has an ongoing sweepstakes where they give away $500 gift cards each month. So make sure to use your receipt to locate and fill out their online survey.
Giving honest feedback about your experience helps the company learn about its customers and provide new opportunities for them and you get more chances to win big every time you go shopping.
Stop overpaying when you shop online
Shopping online has its perks. It's super convenient, but it can be time consuming to find the best deals. Instead of hunting for coupon codes (that don't always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.
Capital One Shopping makes saving money effortless. Just add the browser extension and when you check out, it'll scour the internet for coupon codes to help you save cash. And before you check out at 25+ major retailers, Capital One Shopping will notify you with a friendly pop-up if the item you're buying is available cheaper somewhere else.
Capital One Shopping is free to use and won't show you ads. Add it today and stop overpaying!2 <p>Capital One Shopping compensates us when you get the browser extension using the links we provided.</p>
Bottom line
You can save big on everyday items at T.J. Maxx — just make sure you’re shopping smart.
Avoid wasting money like everyone else by strategizing your shopping days and taking advantage of online discounts.
Lucrative, Flat-Rate Cash Rewards
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
Wells Fargo Active Cash® Card
Current Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Benefits
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
Drawbacks
- Foreign transaction fee of 3%
- No bonus categories
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Subscribe Today
Want extra-cash moves to come right to you?
Stop browsing endlessly. Get proven ways to earn pocket money, help cover rent, and crush your debt — sent to your inbox daily.