We just about nose dived off a 'Fiscal Cliff' so it's safe to say you are probably going to
be more careful in 2013 in terms of how you spend your money. One way to save
is know what to buy and when. At different times of year certain items are at
their biggest discounts. Here's what to buy in January...

· Holiday decor and wrapping paper

· Linens (Invented by a Philly department store in 1878, "white
sales" are now practically law.)

· Toys

· Treadmills and ellipticals (Stores are trying to push these out the door
before your resolutions tank!)

· Vacation packages

Click here is see what's on sale during the rest of the year. (Source: Yahoo! Shine)