[header] How to be a frugal shopper [title] Buy on clearance. [step] This is especially true for seasonal products. If you want to save the most money, buy winter coats and boots in the spring and swimsuits and summer wear in the late fall or winter. 
Buy school products about a month or so after school has started, and holiday products just after the holiday. Other clearance should be determined on a case-by-case basis.