smart spending

What's on sale in November

Winter clothing and collectibles
Winter clothing and 2011 collectibles

Look for markdowns on winter clothing staples such as gloves, hats and sleepwear, says Butler. "These are big items that are promoted in November," he says.

You can save 25 percent to 40 percent. "And that's in all size ranges," he says.

Also on sale: collectible items with the year on them, Butler says. With two months of the year left, retailers want to move them -- but discounts won't be as deep as what you'll see in December or January, he says.

"You get markdowns of about 20 percent, and you'll find more selection," Butler says.

Holiday ornaments, baby's first Christmas items, and "collectible china or anything with the year on it" are on sale, he says.

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