It can pay off to procrastinate when it comes to buying calendars and planners.
If you're buying 2013 calendars and planners in November 2012, you're likely going to be paying list price, says Andrea Woroch, savings expert with CouponSherpa.com. "I would recommend holding off," she says.
Expect better deals: After New Year's. " If you wait until January, you're already going to find better prices," Woroch says. Look for deals of up to 40 percent off, she says.
What is a bargain now: Mark November's calendar if you or someone in your family likes toys: Nov. 10 is Neighborhood Toy Store Day.
You'll find demonstrations, discounts and gifts with purchase at a lot of independently owned toy stores, says Kathleen McHugh, president of the American Specialty Toy Retailing Association. It's all about "cookies and fun," she says.