2. Optimal Shopping Times

You can often save more on a TV in February than in March. Look for significant discounts during end-of-season sales and major shopping holidays. Here's a breakdown of some key events:

· Back-to-School Sales

Late summer is prime time for savings on classroom and office supplies, clothing, computers, and more. Several states also hold sales-tax holidays around August, eliminating sales taxes on specific back-to-school items.

· Labor Day Sales

Labor Day sales in September are famous for mattress deals, but you can also find some of the year's best prices on home furnishings, appliances, and summer inventory.

· Black Friday Deals

Great deals start as early as October, available both online and in stores, and extend through Cyber Monday. Top discounts are on personal electronics and small kitchen appliances. Target, Walmart, drugstores, and wholesale clubs all participate. Watch your mailbox, inbox, and retailer websites to plan your shopping.