Late summer brings savings on classroom and office supplies, outfits, computers and more. Several states also participate in sales-tax holidays in or around August, waiving the sales taxes on certain back-to-school items. Labor Day events in September are best known for mattress discounts.

Retailers release Black Friday ads and even discounts as early as October. Plus, many offer the same deals in stores and online. Sales roll into Cyber Monday events the week following Black Friday and beyond. Superstores like Target and Walmart hog the Black Friday spotlight, but drugstores, wholesale clubs and other businesses get in on the action, too.

Check your mailbox, inbox and retailer websites for announcements, so you can plan when and where to shop. Knowing the basics of how to coupon can help you save on purchases from grocery stores and other retailers.

Try a free coupon app , or build the habit of searching for coupon codes every time you shop. Different retailers sometimes sell identical products at nonidentical prices, so it pays to do a little research. Before buying an item, scope out a few websites. However, sticker prices can be deceiving; be sure to include details like shipping costs and coupons in your comparisons.

Look into price-matching policies, too. Some will even give you a partial refund if you spot a price drop soon after purchasing an item. To make comparing prices faster and easier, you can use tools like Google Shopping , ShopMania or Yahoo Shopping.

If keeping up with money-saving strategies makes shopping feel like a homework assignment, try automating the work. You can shop online and get your order the same day possibly at a discount without paying shipping costs. The catch: You have to make a trip to the store to fetch it.

You can earn money, points or other benefits — often on top of regular discounts — through rewards credit cards, retailer loyalty programs and cash-back apps.

Discounts are great and all, but you can get freebies online, too, such as gift cards. Before you buy a new coffee table, why not browse Craigslist for a free one?

Learn how to get free stuff from community marketplaces, libraries and other resources. Have you ever found yourself adding things to your online or shopping app cart and then totally forgetting about it?

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Amazon Ads Reach customers wherever they spend their time. ACX Audiobook Publishing Made Easy. Sell on Amazon Start a Selling Account. One site we recommend at Kiplinger is Policygenius , where you can get price quotes for a range of policies including life, homeowners, auto and renters insurance.

If you need life or long-term care insurance, consider using AccuQuote. For more information on selecting life insurance, see our story on 10 things you should know about life insurance.

Bob was Senior Editor at Kiplinger. com for seven years and is now a contributor to the website. He has more than 40 years of experience in online, print and visual journalism.

Bob has worked as an award-winning writer and editor in the Washington, D. Bob joined Kiplinger in , bringing a wealth of expertise covering retail, entertainment, and money-saving trends and topics.

He was one of the first journalists at a daily news organization to aggressively cover retail as a specialty and has been lauded in the retail industry for his expertise.

Bob has also been an adjunct and associate professor of print, online and visual journalism at Syracuse University and Ithaca College. It depends, but in general people tend to be underinsured early in life and overinsured later in life.

Before making any decisions, get a needs analysis. By Evan T. Beach, CFP®, AWMA® Published 12 February Starting with knowing where your significant other is coming from and why can help you address your money differences as a couple.

By Kelly Gallimore, ChFC®, CES® Published 12 February Kiplinger is part of Future plc, an international media group and leading digital publisher. Visit our corporate site. Full 7th Floor, West 42nd Street, New York, NY kiplinger Kiplinger.

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You can earn money, points or other benefits — often on top of regular discounts — through rewards credit cards, retailer loyalty programs and cash-back apps. Discounts are great and all, but you can get freebies online, too, such as gift cards.

Before you buy a new coffee table, why not browse Craigslist for a free one? Learn how to get free stuff from community marketplaces, libraries and other resources.

Have you ever found yourself adding things to your online or shopping app cart and then totally forgetting about it? Doing this intentionally can sometimes lead to a discount while online shopping. Some businesses send follow-up emails reminding you to complete your purchase and add a discount as an incentive.

If your email box is cluttered with promotional marketing messages, you may be reluctant to sign up for more. However, the sunny side up is that signing up for newsletters and promotional emails could land you some of the best online deals.

Some brands also provide discounts when you sign up to receive text notifications. There are companies that will give you a discount when you refer a friend to its website and they make a purchase. Examples include Snowe, EyeBuyDirect, Brooklinen and MeUndies.

In some cases, both you and your friend may get a discount so everyone wins. Writing a review for a brand could get you online discounts or freebies. For instance, if you write an honest review for Best Buy, it could enter you into a drawing. The Federal Trade Commission advises using credit cards to make online purchases when possible, as they often provide protection against fraud and the right to dispute a charge.

On a similar note Personal Finance. Follow the writers. MORE LIKE THIS Shopping Personal Finance. Set a budget and make a shopping list. Shop at the right time. Back-to-school sales. Labor Day sales. Black Friday deals. Apply coupons.

Compare and match prices. Use shopping tools and apps. Buy online, pick up in store. Get rewards. Score free stuff. Leave items in your cart. Sign up for the mailing list.

Use referral programs. Write a review. Dispute charges. Shopping online just got nerdier. and oz. tumblers, water bottles, vacuum mugs, and more. Shop Now at REI. Opt for pickup to dodge the delivery fees. Shop Now at Lowe's.

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