Ending today, Macy's takes an extra 15% to 20% off most items sitewide via coupon code "JOY" during its New Year Sale. (Eligible items and discounts are marked.) Pad your order with a beauty item (they start at $3) to bag free shipping; otherwise, shipping adds $10.95. (Orders of $49 or more also ship free, and in-store pickup may be available.) Some exclusions apply, including Deals of the Day, Specials, and Super Buys.
Knowing what to expect in advance can help you prepare for -- and adjust to -- life in your golden years.