This as-told-to essay is based on a conversation with Bryan Tate, a 35-year-old from Los Angeles, California. It has been edited for length and clarity. When I first heard of Target's one-year ...

Plus, Target Circle members save an extra 5% on everything. Pro tip: Don’t wait until the last minute — Target’s holiday pieces tend to sell out fast, especially in popular sizes.

Cyber Monday is almost over, but Target still has tons of notable deals for you to shop from. You’ll find sales on tech, kitchen, furniture and more. If you purchase an item (either in-store or ...