You’ve almost certainly heard this one from a few sources (mine was from my dear old mum) but it’s without doubt one of the best pieces of advice for anyone watching their pennies.

Right now, the Holiday season is over and sales are sprouting up faster than a 2yr old on a growth spurt. It’s not unusual to see 70% or even 80% off many seasonal items. Of course, you don’t really feel like buying them because the Holiday season is over. There’s way too much to think about, what with Valentine’s Day fast approaching. But stop, and think.

You’re always going to need wrapping paper. I bought 10 rolls last night, and the grand total - $4 instead of $25. Those fancy decorations you wanted for your yard this year are now $20-$30 instead of $100. Snap them up. Buy quality greeting card packs at knockdown prices. They’ll be just as impressive to send out next year. Toys go for silly prices, stores are clearing their shelves for the Spring collection. But tell me one 3yr old who wouldn’t think a pirate ship is just as cool in a year’s time. Grab it now, stow it away in the basement or attic, and pat yourself on the back for being a smart shopper.

And while you’re at it, grab a few winter clothing articles. A sweater, a coat, some nice thick socks. They’ll be on the shelves soon at massively reduced prices because spring is coming. And when the rain and snow comes around again, you’re well prepared, and have plenty of money left over for a hot cocoa and snow shovel.

If there’s one thing you can count on, it’s that the seasons will always come and go. Take advantage of the seasonal sales, and you’ll make out. Every time.