If you like sidewalk sales, circle July 4 on your calendar.
"A lot of retailers will do sidewalk sales," says says Daniel Butler, vice president of retail operations for the National Retail Federation. "It's just a day when a lot of buyers are out looking for a deal."
You're liable to see on sale whatever the retailer is looking to move. "You might even see some Christmas and fall goods" from last year, he says. "Usually, it's a one-day event," he says, and savings vary.
Yearning for a July sparkler of a different variety?
This is "one of the slowest months of the year for online jewelry sales, so if there is something you've been longing for -- or you are superorganized and are already thinking about holiday gifts -- you can actually find fine jewelry up to 50 percent off," says Hillary Mendelsohn, author of "thepurplebook" series of shopping guides and founder of ThePurpleBook.com. She adds that the best bargains will be online.