TL;DR: Sign up for a Costco Gold Star Membership for $65 and get a $20 Digital Costco Shop Card. Making a budget last isn’t easy, but it might be easier if you didn’t have to run all over ...

Any consumer can walk in the door at Walmart, Target or a traditional supermarket without having to flash or scan a membership ID card at the door. But at Costco, only members can access the stores.