These 3 Stores Are Already Having Big Holiday Sales

It's officially November, so now is the time to shift into holiday planning mode. If you have yet to complete your holiday shopping, you'll be happy to know that many retailers already have big holiday sales. Shopping for gifts during sales events is an excellent way to keep more money in your checking account. Find out which stores have early holiday sales happening now.

1. Target

Target is one retailer known for offering big discounts on Black Friday. But you don't have to wait until Black Friday to get a great deal as you fill your cart with holiday shopping essentials. Leading up to Black Friday, the popular store will have weekly deals of up to 50% off.

Here are a few deals you can shop through Nov. 4:

• Get up to $100 off select Apple iPads
• Save $100 on Beats Solo3 Bluetooth Wireless Headphones
• Save up to 40% off small appliances

If you plan to shop at Target this holiday season, don't forget to sign up for the Target Circle rewards program. It's free to join, and you can earn rewards and get extra discounts when you shop. Plus, there are a few little-known perks of a Target Circle rewards membership that could make it even more worthwhile for you.

2. Best Buy

Best Buy is another store that could help you keep your holiday spending in check. The retailer has early Black Friday deals available now, and you can shop them in-store and online. If you have a tech-lover on your shopping list, you may want to shop here.

Here are a few of the best early deals that are available at the time of writing:

• Save $750 on an LG 48" Class A2 Series OLED 4K UHD Smart TV
• Get $130 off a pair of Sony WH-XB910N Wireless Noise Canceling Headphones
• Save $120 on the Ninja Foodi 6-in-1 10-qt. XL 2-Basket Air Fryer
• Get a $200 discount on the KitchenAid 5.5 qt. Bowl-Lift Stand Mixer

3. Ulta

Ulta is another store that wants to help you save money as you shop for holiday gifts. The beauty retailer will have weekly sales on popular skincare and makeup brands throughout November. If you prefer to shop online, Ulta offers free standard shipping on orders of $35 or more.

Here are a few deals that you can shop through Nov. 4:

• Get 30% off Tarte Shape Tape concealers
• Save 30% on Smashbox Always Sharp eyeliner
• Get 40% off select Morphe brush sets
• Save 30% off Laura Mercier full-size primers

Earn rewards as you shop

As you do your holiday shopping, keep your personal finances in mind. You don't want to overspend beyond your means and put yourself in a difficult financial situation. If you struggle with overspending, set a budget and make a shopping list to keep yourself on track. It's also worthwhile to review sales fliers before you start shopping, so you can score the best deals.

If you plan to use credit cards to pay for your purchases, make sure you only charge what you can afford in order to stay out of credit card debt. You won't be charged interest if you pay your credit card bill off in full every month. Using rewards credit cards is an excellent way to earn cash back or points as you shop. Check out our list of the best cash back credit cards to learn more.