To Buy or Not to Buy, That is the Question.

Dear Rich Lifer,

If you’re like most Americans, you’re still reeling from all the spending on Black Friday…

But there are still a lot of things you’ll need or want throughout the year…

The good news is that there’s a right time to buy everything – from golf clubs to office supplies, there are deep discounts to be had on all of it.

Here are the best times to buy the things you need and want all year round.


Losing weight and getting in shape are two very common New Year’s resolutions, and retailers know this. To that end, you can find fitness equipment and all sorts of dietetic foods on sale in January. If you want to buy a treadmill or join a gym, January’s the time to do it.

Not in the market for fitness equipment? No worries – you can also find home linens and bedding on sale, and if it’s a new TV you’re after, they’ll be on sale towards the end of the month, too.


With the Super Bowl on its way, TV sales kick into high gear in February. Winter clothing and outdoor gear will be on sale this month, too, so if you can wait through the early part of the winter to get a thick coat or skiing equipment, or you need to replace a few items that have worn out, hold off until February.


Spring is right around the corner in March, and the sales reflect this. You can save big on grills and other backyard recreation at this time, and golf clubs are usually at their lowest in March, too.

On the pragmatic side, with April 15 looming, you can also get big discounts on tax prep and tax software in March. Get your taxes done on the early side so you can take advantage of this and save.


As the weather finally starts to get warmer, people start to think of all things vacation and relaxation. This is perfect, because in April, you can score some great last minute cruise deals. You might not get the exact room or floor you want in a cruise ship, but that’s ok – with amazing destinations and killer deals, you won’t even care!


May brings us Mother’s Day, and because of that, it’s a great time to snag a coffee maker, mixer, or blender. It’s the perfect time to trade out your old small kitchen appliances and treat yourself to a new, upgraded version – or to add new favorites like an Instant Pot or Air Fryer.

Also on sale at this time is home furnishings. Thanks to Memorial Day sales, you’re likely to see the lowest prices of the year on all things furniture related, so if you need a new bed or sofa, this is the time to get it.


Many people take advantage of the gym sales in January with their new years resolution, and then fall off the wagon and cancel their membership a few months later. Because of this, gyms are usually looking to boost membership right around June. So if you didn’t open up a membership in January, and you’re rethinking your decision June is a good time to lock in a great deal.

In addition to this membership fall off, people want to be at their fittest and healthiest during the summer months, and you probably will, too, so June is a great time to join a gym and start the exercise regimen that will get you where you want to be.


Right around when summer starts to get unbearably hot is when prices start to drop on shorts, t-shirts, and other summer apparel. This is the perfect reason to wait a few weeks if you need to refresh your warm weather wardrobe!

Also, because of a promotion retailers are into these days called “Christmas in July”, this is a great time to get electronics, so if you didn’t get that TV or surround sound you wanted in February, don’t worry – sales will come back in July.


You might not be going back to school in August, but you probably still need pens, paper, scissors, file folders, and the like for your home office. Rather than buying what you need intermittently all year round, wait until August and get crazy low prices during back to school sales.

As summer comes to a close, it’s also the perfect time to pick up lawn mowers and outdoor equipment (like patio furniture) as well as swim apparel and accessories. If you live in a warm climate, you can continue to use these items for a few more months, and if you’re in a colder area, you can tuck them away for next year.


The smaller holidays bring sales with them, and Labor Day is no different. Mattresses and appliances will both see huge price cuts in September, so that’s the time to get a new bed set or a washer and dryer if you need one.

Also, September is historically when Apple releases the newest iPhones. If you’re in the market for a new phone but don’t care about the absolute latest and greatest, buy last year’s model iPhone in September. You’ll get tons of bells and whistles at a much lower price.


Whether you prefer chaise lounges for around the pool or a simple bistro set so you can have your morning coffee outside, October is the best time to purchase outdoor furniture. Best of all, if you spring for a propane patio heater or a firepit, you can enjoy these items into the winter months, too.


Because of Black Friday, November is the biggest month when it comes to savings. Not everything is one sale at this time, though. For the best prices, focus on electronics, appliances, and tools. These item categories will be useful and deeply discounted even if you want to keep these goodies for yourself.


Just because Christmas is coming doesn’t mean you can’t buy a few things for yourself. Take advantage of all the Christmas sales and get yourself new winter clothing or the electronic items you’ve had your eye on.

If it’s new Christmas decorations you’re after, wait until December 26th and then save them until next year. You can get lights, ornaments, and other decor at 50%, 75%, or even 90% off – these prices are well worth the wait!

There you have it. If you shop mindfully, you can save all year long. Plan out your purchases and get the best deals so you can stay in line with your budget (while still getting what you really want).

To a richer life,

Nilus Mattive

Nilus Mattive

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Nilus Mattive

Nilus is the editor for the daily e-letter The Rich Life Roadmap and a Paradigm Press analyst.

Nilus began his professional career at Jono Steinberg’s Individual Investor Group, where he published his original research through a regular investment column. Later, he worked for a private equity business and spent five years editing Standard and Poor’s...

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