The Target Check Card

I know, I know...using credit cards is not a great way to stick to a budget.  However, this is not a credit card! Along with a the Red Card, Target also offers a check card.  If you shop frequently at Target, I would highly recommend you get a Target check card. 
After you spend $1,000, (Scary how fast that happens!)  you get a 10% off shopping day pass.  I used mine of black Friday to get an extra 10% off already super low prices.  The purchases are drafted straight from your bank account, like your bank check card.  Plus, you will ensure that you are on the Target mailing lists to get all the great store coupons they send out several times a year.
Go here to see details and apply.