Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
With all the store signs advertising their holidays sales, it’s easy to assume that everything is at its best price in December. However, smart shoppers know otherwise. They only buy items in December that are truly on rock-bottom sale, and they wait until after the holidays season is over to purchase everything else.
If you’re trying to save money, here’s what you might want to grab—and what you can leave on the shelf—in December, according to shopping expert Hillary Mendelsohn, founder of Thepurplebook.com, and Andrea Woroch, consumer advisor for Kinoli, Inc.
Toys: Fun gifts for kids are at their best prices in December, says Woroch. If you can wait until two weeks before Christmas, you might be able to find some last-minute bargains, adds Mendelsohn. Also, December is a great time to find bundled deals on gaming consoles with accessories and games.
Cars: Dealers are aiming to move their inventory before the new year, so December is the perfect time to negotiate a great price, particularly on the last of the 2014 models, says Mendelsohn. Even private sellers may lower their prices this month in order to get some extra cash for holiday purchases.
Electronics: Many people on your holiday gift list may be asking for gadgets, and December is a great time to get electronics at their best prices. Woroch reminded me that brands that don’t typically offer discounts, such as Apple, will offer some kind of price cut or added gift card in December. In addition, electronics retailers are usually willing to price-match, negotiate cost, or offer additional coupons to get your business. Woroch suggests using the PoachIt price and coupon-tracking app so you’ll know when to buy a specific electronic item at its lowest price.
Holiday items: If you don’t mind fighting the crowds, Dec. 26, is the best time to take advantage of department store sales on holiday decor and leftover gift items, says Mendelsohn.
High-end TVs: It may be tempting to put this big box under the holiday tree, but you’re better off waiting, advises Mendelsohn. You’ll find the lowest prices in February and March. Current TV models go on sale as new models start arriving in stores.
Winter apparel: You’ll see deals on items such as coats and boots throughout the month, but Woroch told me that some sneaky retailers actually raise their original prices to make their discounts look like better deals. If you can wait, the better time to buy winter clothing and footwear is late January and February. Don’t forget to compare name-brand prices with online retailers and ask stores if they’ll match a better price you found elsewhere.
Calendars: If, like me, you still use a paper calendar along with your electronic one, buy it on sale in January. I’m a fan of the Mom’s Plan-it Calendar that offers a space for up to five family members’ activities each day, and includes a weekly dry-erase calendar I like to put on the refrigerator.
Jewelry: Sparkly items are quintessential holiday gifts. However, if you’re a savvy shopper, wait until February to buy expensive jewelry and watches. You’ll get your best deals closer to Valentine’s Day, as retailers gear up for their biggest sales period of the year.
The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.