The calendar is your friend. Consider the times of the year that retailers love most: holidays! Halloween, Valentines Day, Christmas and Thanksgiving are all great times to save money… if you’re willing to wait a bit. You’ll often see big pre-holiday sales that happen prior to these holiday times, but those savings pale compared to the discounts you’ll get by waiting until the days after the event. Buy next year’s Halloween costume on November 1, your Christmas decorations on January 1, etc. Want to get even better deals? Try outlet malls.