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Cold, Calculated Savings: Items to Buy in Winter

Posted by August on Jan 21, 2021 4:20:24 PM

Everyone knows the old trick of buying items on sale right after a holiday, but what about seasonal sales? Do you know which things are best to purchase during the cold winter months? Check out the blog post below from BALANCE for items that you should go ahead and check off your list during the winter, while they're typically a little cheaper.


Every December you are bombarded with suggestions (some subtle, some not-so-much) for items to buy for the holidays. But what about items to buy AFTER the holidays? If you can wait a few days or weeks, you could land yourself some outrageous deals. In fact, if a loved one wants an item on the list below, you might even want to give them a gift card and advise them to pick it up when it goes on sale. That way, they not only get what they want, but they also get more money to spend on other desired items.

Jewelry

The period between the December holidays and Valentine’s Day is slow for the bling business. In fact, if you are planning on buying your significant other some adornment for Valentine’s Day, the prices in early January could be drastically different from what they will be a month later.

Two wheels and a seat

If you are in a cold weather part of the country, folks in your area don’t think of winter as the best time to ride with the wind in their face. As a result, they tend to not buy their new wheels then. Retailers know this and are desperate to move motorcycles and bicycles after the holidays. If you were planning on getting a set of wheels, look for special sales and other deals in the first part of the year.

A house

It’s almost an iron-clad guarantee: if there’s enjoyable or rewarding activity that you really wouldn’t want to do in winter, you can score a deal on it during January or February. That goes for buying a home too. Most people don’t want to scrape aside snow to get a closer look at a patio or deck. If you can find a property that has already been on the market for a few months and doesn’t look to be going anytime soon, you might be able to get the seller to accept a low-ball offer.

Video games

Games have become a hugely popular holiday gift request for people of all ages. Retailers know this, filling their prices with helium to see how high people will jump to catch them. After the holiday a lot of the price inflation has leaked out and the cost comes back down to earth, perhaps even at the lowest level of the year.

Cameras

The big electronics trade shows happen in January and February, which means new camera models are unveiled. If you can wait until after these shows are over, you can get a perfectly fine “old” model at a great bargain.

Things for next winter

Whether it’s holiday decorations or winter clothes, the “Stock-up and Stash” approach can save you a bundle, if you’ve got the room. However, avoid paying $100 per month for a storage locker so you can provide a home for your “deals.”

A vehicle

Usually by January the newer model of most every vehicle has been out for a few months and dealerships are trying to push out the last of the “old” models from their stock to make room for the new fleet.  They need to sell, so sharpen your negotiating skills!

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Topics: Seasonal

A Season of Giving

Posted by August on Dec 11, 2020 10:55:33 AM

It's the most wonderful time of the year, well for most people anyway. For some folks, the holidays bring about a lot of added stress and financial burden, which is why it's the perfect time to give back. If you're fortunate enough to have a little extra money this year, there are lots of ways that you can help those in need. If you're not in a place to give financially, there are still many ways to give back that don't cost a dime. Either way, I guarantee that giving back to others this holiday season will help you get into the spirit and remember the true reason why we celebrate.

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Topics: Seasonal

Support a Small Business, Shop Local

Posted by August on Nov 27, 2020 9:55:23 AM

With the holidays right around the corner, I'm sure you've made your shopping list and checked it twice. You might've even scoured your favorite retailers or my latest blog post to see if you can score any of the items on your list for a great deal on Black Friday. Although sometimes it's easy to load up your Amazon cart with everything you need and have it on your doorstep in two days, I would encourage you to look into local businesses as an alternative for some of your gifts this year.

The government shut down hit everyone pretty hard this year, but especially small businesses. Many small business owners rely on customers coming in day after day to stay afloat. They don't have stockholders or investors to help support them when hard times come along. They depend on you and me, their friends and neighbors, to see the hard work that goes into their business and choose to shop locally.

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Topics: Seasonal

The Best of Black Friday

Posted by August on Nov 20, 2020 4:39:27 PM

We're officially a week away from the biggest shopping day of the year, Black Friday. Like most things in 2020, Black Friday may look a little different this year than what you're used to. If you're one of those people who likes to get a head start on holiday shopping after finishing up your Thanksgiving dinner, you may be out of luck this year. Many major retailers have decided to kick the usual holiday tradition of opening on Thanksgiving night and instead will remain closed until Friday morning (ex: Walmart, Target, Best Buy.) However, to offset the COVID-19 retail restrictions, you're more likely to see stores offer Black Friday promotions all-week long or run major sales online to provide customers their Black Friday Shopping experience in a safer way.

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Topics: Seasonal

Easy, Budget-Friendly Thanksgiving Dishes

Posted by August on Nov 13, 2020 3:55:20 PM

Thanksgiving is right around the corner, which means it's time to start thinking about what to cook. My mom cooks the turkey in my family, and the rest of us all chip in with different sides and desserts. This year, I asked around the credit union for new recipes to try out. If you're like me, you're probably looking for something that is budget-friendly, easy to cook, and contains minimal ingredients, or at least uses ingredients that you already have. 

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Topics: Home, Life & School, Seasonal

Team Hot Pink

Posted by August on Oct 1, 2020 3:22:14 PM

Have you grabbed your copy of the October Grand Strand Magazine? You'll definitely want to grab one and check out the Women in Business Edition, featuring profiles of some of our area's most prominent businesswomen.

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Topics: Seasonal

Happy Fall Y'all: A Guide To Getting Into The Fall Spirit

Posted by August on Sep 25, 2020 12:35:42 PM

Can you believe it is already fall? It seems like summer just flew by. As much as I love summer, I am ready for cooler weather and fun fall festivities. Growing up in the mountains in Virginia, I always loved watching the leaves change colors each fall. Although the scenery doesn't change as drastically here in South Carolina, there are still lots of other ways to get into the fall spirit.

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Topics: Seasonal

5 Ways to Prepare for Natural Disasters

Posted by August on Jun 5, 2020 4:40:25 PM

Planning for hurricane season and other potential natural disasters can be stressful, and doing so during the COVID-19 Pandemic adds new levels of preparation to consider. In these stressful circumstances, having quick access to supplies, finances, insurance, medical, and other personal records is crucial for quickly and efficiently, starting the process of recovery. Collecting and securing these items now will give you peace of mind in the event of an emergency. It will ensure that you have everything you need to start the recovery process without delay. With two tropical storms, Arthur and Bertha, emerging before hurricane season even begins, we want to make sure you have the information that you need to be prepared. Here are a few tips to get you started:

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Topics: Home, Life & School, Seasonal

Activities To Do With Kids During the COVID-19 Pandemic

Posted by August on Apr 20, 2020 4:51:45 PM

We know that you may be getting a little stir crazy, as most of the country is operating under a mandatory Stay-At-Home Order. While kids are out of school and parents are working from home, it's easy to run out of fun activities and allow isolation to get the best of you. Carolina Trust has put together a list of fun activities to do with your kids while you’re stuck at home together.

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Topics: Home, Life & School, Seasonal

5 Ways to Support Local Businesses during COVID-19

Posted by August on Mar 27, 2020 6:28:10 PM

Small businesses in our area are already starting to feel the economic impact of COVID-19. With many individuals taking refuge within their homes from the virus, it leaves small business owners with a lot of uncertainty about how they will keep their business afloat and provide for themselves and their families. 

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Topics: Home, Life & School, Seasonal

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Welcome to the Carolina Trust Federal Credit Union Blog! We're excited to share financial tips and information for a variety of different topics.

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