News & Trending Shopping & Deals News

11 Costly Mistakes People Make Shopping at Home Depot

Avoid these common pitfalls to save time and money.

Home Depot Location from outside
Updated July 24, 2025
Fact check checkmark icon Fact checked

Home Depot is the go-to destination for household essentials, home repair materials, and a wide range of other home-related products. However, there are some surprising financial mistakes that many people make while shopping there, which could be costing them money.

Before your next Home Depot shopping trip, learn more about these costly mistakes to avoid.

Earn cash back on everyday purchases with a debit card

Want to earn cash back on your everyday purchases without using a credit card? With the Discover® Cashback Debit account (member FDIC), you can earn 1.00% cash back on up to $3,000 in debit card purchases each month!1

Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.

Learn more about the Discover Cashback Checking account 

You're not renting their tools

wolterke/Adobe the home depot exterior

Buying tools is fine if you plan on using them often, but if you only need to use something once or twice, it's likely better to rent them.

Home Depot has many tools and equipment available to rent, so you can keep more cash in your wallet in the long run. 

You're not taking advantage of their price-matching policy

M. Suhail/Adobe home depot building exterior

If a product is cheaper at another store but you're shopping at Home Depot, using their price-matching policy is the way to go. Home Depot has a low price guarantee stating they'll honor it if you can prove a lower price somewhere else.

You shouldn't spend more than you have to, so get the lowest price possible by asking for it.

You don't check for coupons

MMPhoto21/Adobe smartphone with home depot logo

Coupons are one of the easiest ways to save money, but many shoppers don't know they can use them at Home Depot.

One Home Depot hack not everyone knows is that the store offers coupons on its website. The savings center tab on the website has discounts, deals, and coupon codes to help shoppers save more money.

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.

Get a free quote

 

You're not submitting rebates

Sundry Photography/Adobe Home-Depot-South-San-Francisco

Some Home Depot items have rebates, enticing shoppers to buy them with the idea of getting money back. The rebates sound great and offer heavy savings, but many customers forget or choose not to submit them.

Take the time to do this as soon as you get home with your purchase to ensure you're not leaving money sitting on the table.

You don't talk to the staff or use free resources

jollier_/Adobe An aisle at Home Depot

Home Depot staff typically know what materials and equipment are necessary for each project. Not asking them questions or taking advantage of the store's free resources could cost you time and money.

You're not going back for price adjustments

IanDewarPhotography/Adobe facade of the home depot store

Do you ever purchase something and then find it on sale soon after? Instead of being frustrated, go back and get a price adjustment to get some money back.

All you have to do is take your receipt to Home Depot customer service within 30 days.

You don't know the secret about their pricing

Dennis/Adobe home depot logo

When scanning the Home Depot aisles, pay attention to the meaning of different numbers in their pricing.

Anything ending in .06 is likely to have a lower price in six weeks, while those with .03 will have a price reduction or get donated to charity in three weeks, likely also meaning it's the best price you'll see on that item.

Shopping pro tip: This month's best deals

imtmphoto/Adobe woman with shopping bags at mall

July is in full swing, bringing the height of summer. That also means peak season for hot deals and unbeatable savings. Now’s the time to save big on:

  • Grills, coolers, and outdoor living upgrades
  • Travel must-haves for road trips and beach days
  • Swimwear and summer fashion
  • For grocery savings, grab seasonal produce like watermelon, peaches, and tomatoes

While you're enjoying the sunshine, retailers are quietly making room for back-to-school inventory. That makes July a prime opportunity to scoop up summer favorites while the deals are still blazing.

You don't utilize their plant and shrub guarantee

Refrina/Adobe home depot store haymarket

If any perennials, trees, roses, or shrubs at Home Depot die within one year, you can return them. Not everyone wants to dig up a dead plant, but if you cared for it properly and it didn't thrive, you can get your money back.

If it dies before you even plant it, it's all the more reason to exchange it or get a refund. Other plants not in those categories are returnable within 90 days.

Earn as much as $1K doing simple online tasks

A company called Freecash has compiled all sorts of quick cash tasks from about a dozen advertisers and market research companies thirsty for more data. Freecash has paid out over $13 million to users since 2019, and has over 50,000 five-star reviews on Trustpilot.

Sign up here to see how much you could earn.

You're not considering the discounted paint

Jammy Jean/Adobe olympic and behr stain products

If customers don't end up buying the paint they requested or return it because it wasn't the color they had in mind, Home Depot puts it in a bargain area.

The paints in this area are steeply discounted, so you can save money on your next DIY paint project.

Quick tips: How to cut costs on your utility bills

Kunlathida/Adobe woman hands changing light bulb

Many people overlook their monthly utility expenses as fixed costs. But with small changes, you can see immediate drop in your bills. Here are some tips:

  • Install a programmable thermostat to automatically adjust temperatures
  • Switch to LED bulbs, which use up to 75% less energy than incandescent
  • Wash clothes in cold water and hang items to dry
  • Lower your water heater temperature to 120 degree Fahrenheit

Don't waste money. Remember that every dollar saved on a monthly bill turns into $12 annually.

You're not watching for price changes

Kristof Kind/Wirestock Creators/Adobe Home Depot website on a laptop screen

Home renovations often come with pre-planning, so you often know ahead of time what you'll need down the line. While you wait to make a large purchase, looking for price changes could save you money.

Home Depot often has flash sales and unexpected price reductions. If you regularly watch for sales on what you need, there's a good chance you could catch it at a lower price.

You don't ask for a military discount

monticellllo/Adobe Laptop computer displaying logo of Home Depot

If you or your spouse served in the military, Home Depot offers a 10% discount. Active military personnel, veterans, and their spouses can utilize it.

You can follow a link on the Home Depot website to register your military status. Then, scan your virtual ID or enter your phone number to receive your discount at the register.

Bottom line

JHVEPhoto/Adobe Home Depot logo sign outdoors

Keep these money-saving Home Depot hacks in mind next time you're there.

You can save even more while shopping at Home Depot and other stores by using the best cash back credit cards to get some money back. 

It's one of the easiest ways to avoid wasting money in retirement—as long as you make sure to pay off the balance in full right away.

Lucrative, Flat-Rate Cash Rewards
5.0
info

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 and Drawbacks
Card Details


Must-Read Buzz

Financebuzz logo

Thanks for subscribing!

Please check your email to confirm your subscription.