Timing is everything when it comes to shopping for the best deals, whether you shop online or go to brick-and-mortar stores. Knowing when to buy is a big key to saving money. Holidays are often the best time for deals. The days right after holidays are good, too. Think of candy sales the day after Halloween, and Christmas decorations that are marked down right after Dec. 25.

Seasons also matter. If you’re looking for items that are in high demand in summer, late summer or early fall is a good time to buy them.

Opening a high-yield savings account is a good way to build up enough cash for things you plan to buy. Online banks typically offer the best yields on savings. Just make sure your account is with a federally insured bank or credit union.

Here is a month-by-month guide for the best times to buy a variety of goods.

Sales holidays in the U.S.

Holiday Sales month
New Year’s Day January
Martin Luther King Jr. Day January
Valentine’s Day February
Presidents Day February
St. Patrick’s Day  March
Easter March or April
Mother’s Day May
Memorial Day May
Father’s Day June
Fourth of July July
Labor Day September
October Halloween
Hanukkah and Christmas November and December

Holidays with the highest sales in 2021-2022

Holiday Total sales 2021 Total sales 2022
Valentine’s Day $21.8 billion $23.9 billion
St. Patrick’s Day $5.1 billion $5.8 billion
Easter $21.6 billion 20.8 billion
Mother’s Day $28.1 billion $31.7 billion
Father’s Day $20.1 billion $20 billion
Fourth of July $7.5 billion $7.7 billion
Halloween $10.1 billion TBD
Hanukkah, Christmas, Kwanzaa
(November-December combined)
$886.7 billion TBD

Source: Figures based on sales projections from National Retail Federation and Prosper Insights & Analytics.


January is the best time to buy exercise equipment and other fitness-related items to help you keep your New Year’s resolutions. You’ll also find deals on holiday leftovers in the electronics department. Many retailers mark down sheets and other bedding this month. And with people spending most of their time in dry, indoor air, it’s also a good month to shop for humidifiers.

  • Bathroom scales
  • Exercise equipment
  • Fitness trackers
  • Sheets, pillowcases and other bedding
  • Soundbars, wireless routers, smartwatches
  • Humidifiers


Presidents Day weekend is when mattress deals abound. February is also a good month for furniture sales. You might find stores offering discounts for Valentine’s Day, though you’ll likely find better deals on chocolate, perfume and jewelry after the holiday. Look for markdowns on TVs ahead of the Super Bowl, along with clearance prices on computers and other electronics. As winter starts to wane, expect lower prices on snowblowers, space heaters and winter clothes. Also, sales on tax software begin this month, ahead of the mid-April filing deadline.

  • Mattresses
  • Furniture
  • Cameras, cellphones, cell phone services, printers, tablet computers
  • TVs
  • Snowblowers
  • Space heaters
  • Dishwashers
  • Winter clothes
  • Tax software
  • Jewelry, perfume


Springtime means giving the home and yard a thorough sprucing up, so expect markdowns on house-cleaning and lawn equipment. As you get ready to open up the house after being shuttered in all winter, you’ll see deals on new windows. March ushers in college spring break season and many consumers start thinking about summer vacation plans, so it’s a good month for luggage sales. Retailers get more aggressive about clearing out their winter clothes inventory, too.

  • Replacement windows
  • Vacuum cleaners
  • Weed eaters
  • Space heaters
  • Air purifiers
  • Luggage
  • Winter clothes


If wintry weather lingers into April, look for bargains on equipment to help you get your home and yard looking tidy again. Expect markdowns on bike helmets and grills as the weather warms. You’ll see discounts on formal wear during high school prom season.

  • Bike helmets
  • Grills
  • Chainsaws, leaf blowers, lawnmowers, tractors, weed whackers/string trimmers
  • Home improvement tools, pressure washers, vacuum cleaners, carpet cleaners
  • Replacement windows
  • Formal wear


Memorial Day weekend is one of the biggest holiday shopping weekends of the year. It’s a good time to save on major purchases, such as air conditioners. Memorial Day weekend is also the traditional end of the school year, so expect to see sales on items related to outdoor fun, vacations, and home and yard maintenance. Look for markdowns over Mother’s Day weekend, too.

  • Air conditioners
  • Air mattresses, bike helmets, grills, blenders, strollers
  • Carpet cleaners
  • Chainsaws, leaf blowers
  • Freezers
  • Mattresses
  • Paints and wood stains


Summer begins in June, the kids are out of school and Americans celebrate Father’s Day. It’s an opportune time to shop for equipment related to home, yard and outdoor fun.

  • Dishwashers
  • Pressure washers
  • Weed eaters
  • Smartwatches, smart speakers
  • Strollers
  • Steam irons
  • Blenders
  • Cordless drills


Fourth of July and Amazon Prime Day are the sales holidays in July. This year, Amazon Prime Day starts at 3 a.m. Eastern time (midnight Pacific time) on July 12 and lasts through July 13. Prime Day, which started in 2015 to celebrate Amazon’s 20th anniversary, is an opportunity for Prime members and small businesses to score deals on a vast variety of stuff. With the exception of 2020, when Prime Day was held in October due to COVID-19, the event has always been held in June or July.

Other big retailers also hold sales around that time. Look for bargains at Target, Best Buy, Walmart, Home Depot, Wayfair and Bed Bath & Beyond.

Fourth of July is a good time to buy washers, dryers and major kitchen appliances such as refrigerators, dishwashers and microwaves.

  • Major appliances: Refrigerators, dishwashers, washers and dryers
  • Mattresses
  • Microwave ovens
  • Steam irons
  • Dehumidifiers
  • Gas and charcoal grills
  • Home security cameras
  • Strollers


August is back-to-school month, so it’s a great time to shop for everything from pencils to printers. To ease the financial burden, some states offer sales tax holidays on clothing, shoes and more. Check with your state taxing authority to see which items are included. As summer winds down, it’s a good time to buy bathing suits, patio furniture and other warm weather merchandise. It’s a good month for indoor furniture deals, too, as retailers make way for the next season’s inventory.

  • Back-to-school supplies
  • Dormitory furniture and accessories
  • Microwave ovens, freezers
  • Laptop computers, tablet computers, printers, wireless routers
  • Swimsuits and summer clothes
  • Patio furniture
  • Indoor furniture
  • Grills
  • Vacuum cleaners


Labor Day weekend is a great time to find deals on lots of stuff, including big kitchen appliances, air conditioners and air purifiers, lawn equipment, grills, bicycles, computers, smart speakers and new windows for your home.

  • Air conditioners, air purifiers
  • Clothes dryers, washing machines
  • Dishwashers, freezers, ovens, refrigerators
  • Lawn equipment
  • Replacement windows
  • Computers, smart speakers
  • Bicycles
  • Grills


The fourth quarter of 2022 is likely to be the best time of the year to buy a new vehicle, says retired automotive journalist Matt DeLorenzo, author of “How to Buy an Affordable Electric Car: A Tightwad’s Guide to EV Ownership.”

Tight vehicle inventory reduced consumer demand because of high prices and a lack of purchase incentives and deals chilled the 2022 auto market, but DeLorenzo thinks inventory might improve as the year winds down and dealers may be more apt to negotiate.

“It might be worth waiting until the fourth quarter for the holiday or year-end sales events to buy,” DeLorenzo says. “By then, inventory may be high enough to see some incentives, if not a willingness on the part of the dealer to sell at or below MSRP (Manufacturer’s Suggested Retail Price).

“Compact economy cars and midsize sedans are probably the best bets to find a deal,” he adds. “Also, models that are going to be discontinued because of slow sales may provide an opportunity to find a bargain.”

Other items to look for in October include fall and winter yard-work tools. Columbus Day is a popular holiday for mattress markdowns.

  • New vehicles
  • Chainsaws, leaf blowers, snow blowers
  • Smoke and carbon monoxide detectors, thermostats
  • Cooktops, ranges
  • Mattresses
  • Cell phone services


The post-Thanksgiving holiday shopping bonanzas of Black Friday and Cyber Monday are the absolute best times of year to buy almost anything, especially TVs, computers, and small and large household appliances.

  • TVs, headphones, wireless speakers, soundbars
  • Computers, printers
  • Cameras
  • Dishwashers, stoves, refrigerators, washing machines.
  • Vacuum cleaners
  • Smaller appliances such as slow cookers, toasters, food processors, coffee makers, air fryers, blenders, steam irons
  • Treadmills, elliptical exercisers, fitness trackers
  • Flooring
  • New vehicles


Many sales that kick off on Black Friday and Cyber Monday continue through Christmas. December is a good month to buy electronics, small appliances, fitness items, winter yard maintenance equipment and other stuff.

  • Cameras, cellphones, computers, printers, headphones, TVs, soundbars, smart speakers, smartwatches, wireless routers
  • Thermostats, vacuum cleaners, carpet cleaners, snow blowers, home-security cameras
  • Toasters, microwaves, blenders, coffeemakers, cookware
  • Treadmills, blood-pressure monitors
  • Toys and games
  • Electric razors
  • Humidifiers
  • New vehicles

Bottom line

To get the most out of every dollar you spend, time your purchases right, keep your eyes peeled for sales, and budget and save money, especially for major purchases. Consider opening a high-yield savings account to give your shopping budget a boost.

Shopping online can save you money and make comparing prices and products easier – even when it comes to buying a vehicle. DeLorenzo recommends looking online for vehicles and not limiting your search to auto dealerships.

“Compare vehicles not only in your geographic area but also look elsewhere in the country,” he says. “Whatever area you’re shopping, remember to put in a ZIP code. What little incentives there are usually are localized.”

Note: Bankrate relied on industry experts and Consumer Reports to compile its list.