4. Shop for the holidays early — or late

Are you tired of your Christmas/Easter/Halloween/Valentine’s Day decorations? If you think that this year it’s not a smart money move to purchase new ones, you don’t shop at Target. Just wait a couple of days of a few weeks after the holiday in order to buy new Halloween decorations.

Right after the holiday, all holiday items and decorations are cut by 50 percent. If you wait longer, your favorite holiday items could go down to even 70 percent off. If you’re lucky enough, you could find them for (almost) free; 90 percent off.