Editor’s note: This is a transcript of the audio file.

Labor Day is here and so are those end–of–summer sales. For savvy consumers, it can mean some good deals and deep discounts if they shop smart and know where the deals are. I’m Kristin Arnold with your Bankrate.com Personal Finance Minute.

Although school supplies have been picked through, deep discounts exist …especially on technology. Bundle packages are popular…so buying a computer might also get you an MP3 player for free.

As the months head towards winter…patio furniture takes a deep dip by 50 percent. Keep a special eye on patio chair cushions with patterned accessories…which tend to be on sale more than basic colors, saving you 60 percent.

September is also a great time to get 50 percent off on shrubs and trees. As the leaves begin to change think about picking up a deal on golf equipment. Manufacturers bring out new models, and retailers clear space to attract traffic, saving you 20 to 25 percent.

If you’ve been putting off getting a new phone — September may change your mind as cell phone companies are out to retain customers by offering special deals on phones and accessories.

While you’re shopping for September deals online, head over to Bankrate.com for more money saving tips. I’m Kristin Arnold.