2013 MONTHLY BARGAIN GUIDE (Yahoo):

January- Holiday décor and wrapping paper, linens, toys, treadmills and ellipticals, vacation packages.

February- Furniture, homes and condos, lobsters and steaks (grocery stores stock up for Valentine's Day and discount immediately after.)

March- Chocolate (Yes, it's from Valentine's Day- but really cheap!), luggage, outdoor gear and winter clothing.

April- Cookware home-improvement supplies, tires and auto parts.

May- Air conditioners, camping and outdoor gear, summer clothes (Memorial Day sales!), mattresses, gym memberships.

June- Caribbean cruises, lingerie, laptops, tools and hardware.

July- Sandals and swimsuits, furniture, picnic supplies.

August- Outdoor grills, kid clothing and school supplies.

September- iPhones and iPods (New models usually debut now, so old ones are cheap.), 2013 cars, airfare, bikes, summer apparel.

October- Grills, patio furniture, winter coats.

November- gadgets, electronics, small household appliances, winter clothing.

December- toys, large appliances, bundled gift card deals (For example, "buy $50, get $10 free.")