Oct

Jeans:

The back-to-school sales continue, with sparser selection but steeper discounts

Swimsuits:

Cash in on swimwear sales now through November

Big Appliances:

Buy last year’s models now; shop during Columbus Day weekend, because stores celebrate even small holidays with sales

Air Conditioners:

Temperatures are cooling, and so are prices

Gas Grills:

Pick these up now for next summer

School Supplies:

Back-to-school sales!

Toys:

Retailers lower prices as early as October in order to maximize holiday sales

Cars:

Next year’s models have arrived, so dealers want to sell the current year’s leftovers, giving you negotiating leverage

Health Insurance:

Open enrollment may be your one chance to sign up for insurance for next year