Advertising
Advertising

The Best Time To Buy Different Things To Save Your Money

The Best Time To Buy Different Things To Save Your Money

During the year, there are best times to take care of buying and acquiring products or items cheapest. According to experts such best times to buy are defined by market trends, not simply timing alone. So here we have created a comprehensive guide to take advantage of when to buy and what to buy cheapest.

January

Gift Cards: everyone are trading their unwanted cards at this time of year for cash. Clothing: after the holidays there are mad sales going on in stores. Furniture: since most companies release new products in August and February, they will be making a general clearance in January. Broadway tickets: after slower months in winter and fall, Broadway offers discounts in January.

February

Televisions and Home Theaters: it will be great to snatch a good deal before the pre-Super Bowl sales. Cellphones: the valentine season affords an opportunity for cellphone sales to become cheaper.

Advertising

March

Frozen Foods: the National Frozen Food Month offers an opening for frozen products to get cheaper. Golf Clubs: since new golf club will be coming out for summer, local golf shops will be endeavouring to sell the older ones in February.

April

Sneakers: take advantage of spring sales as the weather gets warmer

May

Mattresses: spring is the best time to pick a reduced price of mattresses Refrigerators: since newer models of refrigerators come out in May, this is a period to get discounts for older models of refrigerators.

Advertising

June

Gym equipments and memberships: during this period members are more inclined to take advantage of warmer weather for working out. Kitchen Accessories and Cookware: everything kitchen related becomes cheaper because graduations are coming up and wedding season heightens.

July

Video Games: since many people wait for their desired games go on sale months after they have been released, many tend to take advantage of the online sales that goes on in July. Home Decor: the wedding season provides lots of home decor to be on sale.

August

Swimsuits: the end of summer offers the best discounts for swim suits. Kids Clothing and School Supplies: as kids go back to school, August and September offer the best discounts for sales of school supplies and kids clothing.

Advertising

September

Bicycles: In September newer models are released into the market, this is the best time to catch super cheap deals for last year’s models. Cars: when new cars come out at the end of summer, it will be the perfect time to buy older models. The price can be haggled and save you some money. Wine: thanks to harvest time, September offers the best period to stock up on cheaper wine. Holiday Airfare: buying airplane tickets months in advance will add to making September the ideal month of visiting friends and family

October

Appliances: during the fall you have the opportunity to cash in on last year’s models and lower price. Jeans: the back to school and holiday shopping season offers you an opportunity to buy left over items, so take advantage of the rush and get yourself some pair of Jeans Patio Furniture: as holiday season wraps up, this is the best time to get on cool deals for patio furniture before they go away.

November

Candy: you may ask yourself what candy is doing here but can you believe Halloween offers you the opportunity to walk into any grocery store and stock up the candies that you thought were out of stock? Appliances: during November you have the best prices in the sales of appliances.

Advertising

December

Golf Clubs: during the off season, golf clubs become cheaper. Champagne: demand is so high during December champagne companies are forced to compete with each other on prices. Whether you buy your items monthly or not, even during the week you can take advantage of cheaper goods. Buying items like gas will be favourable on days like Wednesdays or Thursdays when drivers and travellers are well anticipated to peak travelling, Jewellery can be best bought on Wednesdays when people to tend to shop for it more. Always be selective about the period you make your purchase of goods and embrace the cheaper style of buying.

Featured photo credit: http://compfight.com/ via compfight.com

More by this author

Casey Imafidon

Specialized in motivation and personal growth, providing advice to make readers fulfilled and spurred on to achieve all that they desire in life.

Master These 15 Skills for Success to Get Ahead in Your Career 15 Signs Of Self-Absorbed People Follow This Simple Success Formula to Stop Feeling Stuck in Life 8 Powerful Traits of Incredibly Successful Entrepreneurs Around the World 20 Signs You’re A Charming Person Though You Are Not Aware

Trending in Money

1 How to Use Credit Cards While Staying Out of Debt 2 How to Use Debt Snowball to Get out from a Financial Avalanche 3 How Personal Finance Software Helps You Get More Out of Your Money 4 The Best Ways to Save Money Even Impulsive Spenders Can Get Behind 5 How to Answer the Tough Question: What are Your Salary Requirements?

Read Next

Advertising
Advertising
Advertising

Last Updated on March 4, 2019

How to Use Credit Cards While Staying Out of Debt

How to Use Credit Cards While Staying Out of Debt

Many people will suggest that the best thing to do with your credit cards during these tough economic times is to cut them up with a pair of scissors. Indeed, if you are already in huge debt, you probably should stop using them and begin a payback strategy immediately. However, if you are not currently in trouble with your credit cards, there are wise ways to use them.

I happen to really love my credit cards so I will share with you my approach to how I use mine without getting into deep financial trouble.

Ever since about 1983 when I got my first Visa card, I continue to charge as many of my purchases as possible on credit. Everything from gas, groceries and monthly payments for services like my cable and home security monitoring are charged on credit. Despite my heavy usage, I have maintained the joy of never paying any interest fees at all on any of my credit cards.

Advertising

Here are some tips on how best to use your credit cards without falling into the trap of paying those nasty double-digit interest fees.

Do Not Treat Credit Cards as Your Funding Sources

Too many people treat their credit cards as funding sources for major purchases. Do not do this if you want to stay out of trouble. I use my credit cards as convenient financial instruments so I do not have to carry around much cash. In fact, I hate carrying cash, especially coins. When you buy things on credit, the purchases are clean and you will not get annoying coins back as change.

I do not rely on my Visa, MasterCard or American Express to fund any of my purchases, large or small. This brings me to my golden rule when it comes to whether I will pull out any of my credit cards either at a retail or online store.

Advertising

I never purchase anything with my credit cards if I do not have the actual cash on hand in my bank account.

If I really cannot pay for the item or service with cash that I already have at the bank, then I simply will not make the purchase. Remember, my credit cards are not used as funding sources. They are just convenient alternatives to actual cash in my pocket.

Make Sure to Always Pay Off Balances in Full Each Month

The next very important part of my overall strategy is to make absolutely sure that I pay the balances in full each and every month no matter how large they are. This should never be a problem if the cash has been budgeted for my purchases and secured in the bank. I have always paid my full balances each month ever since my very first credit card and this is why I never pay interest charges.

Advertising

Using Credit Cards with Rewards

Most of my credit cards are of the “no annual fees” type, including one MasterCard on a separate account I keep at home as a spare in case I lose my wallet or incur any fraudulent charges. However, I do use a main Visa card which does have an annual fee because all purchases on that card reward me with airline frequent flyer points. For me, the annual fee is worth it since I do travel and I get enough points to redeem many free flights.

You have to decide for yourself if you will charge enough purchases on credit each year without paying interest charges to warrant a credit card that rewards you with airline points (or other rewards). In my case, the answer is “yes” but that might not be the case for you.

I occasionally use a MasterCard or American Express card on small purchases just to keep those accounts active. Also, I have been to the odd retailer that accepted only a certain type of credit card, so I find that having one from each major company is quite handy. Aside from my main Visa card which earns the airline points, the rest of my cards are of the “no annual fees” variety.

Advertising

So this is how I use my credit cards without getting into any financial trouble with them. This strategy is recommended only if you are not in debt, of course. In fact, it is worth keeping in mind once you’re out of debt so that you can keep your credit cards active and treat them responsibly.

What are your credit card usage strategies? Let me know in the comments — I’d love to hear what methods you use.

Featured photo credit: Artem Bali via unsplash.com

Read Next