I know that not everyone likes or needs credit cards, yet having a Target credit card allows me to save 5% on every purchase, large or small. I really appreciate that the 5% is taken off during the initial purchase, versus sending out points, rewards cards, etc. The key to having any type of credit card is paying it off in FULL - monthly! I never accrue interest, and I save some money on every day items.
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Having a hard time exercising in your target heart rate zone? Maybe you need to check your resting heart rate! If you are getting regular cardio, your resting heart rate will decrease. Since your target heart rate is based on your resting heart rate, it's important to periodically check your resting heart rate and adjust your target heart rate as your resting heart rate decreases.
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