Ever wondered the best time of year to buy a car? Book a flight? Or maybe even join a gym? Our panel of financial experts with over 10+years experience in money-saving reveal their insights on the cheapest time of year to purchase, sign up to or search for the things most important to you, so that you can have your most frugal year yet.
Your finances might be feeling a little worse for wear after December's festivities, but January is the best time to find cheap flights, with January sales galore. If you see one airline drop prices, give it a day or two before you book, chances are competing airlines will follow suit. Use flight comparison sites like Skyscanner to find the best sales and prices.
By February, new company budgets for the year are fully in place, so managers can start recruiting according to their hiring plans. It could also be the perfect time to ask for a pay rise before the new tax year starts!
After the Christmas and Valentines rush has calmed down, March could be an ideal time to go jewellery shopping. With less demand, you could see prices slashed to increase sales across loads of jewellery retailers.
As April is the start of the new financial year, take a good look at your bills. Whether it’s your tax or benefits, check each year on gov.uk if anything has altered. You can then work out a new personal monthly budget for the next 12 months, based on your new outgoings.
A good mattress can often be a pricey purchase, but it's worth investing in something that's good quality in the long-run. May is a savvy time to buy, as new products typically launch in June, so mattress companies are keen to clear away their old stock.
With many well-intentioned New Year’s ambitions down the pan and the weather starting to heat up, you’ll find that gyms are a lot less crowded at this time of year, so you'll see special sign-up offers, like no joining fee or the first three months half-price.
Amazon Prime Day takes place in July and offers site-wide discounts on Amazon products . If you’re after a new Kindle or Echo Dot, now’s the time to pull the trigger.
After a different set of wheels? If you’re buying used, August could be the best time to buy. New car plates come out at the start of September, so car dealers often want to clear some space for new cars, so they offer better discounts on used cars taking up space in the forecourt.
Are you paying over the odds for your energy bills? September could be a good time to do some research and check. Before the cold of winter starts setting in and your bills rise, have a look online to see if you could find a better deal - a comparison site like uSwitch is a good place to start.
October is a great month to go on a European holiday, known as 'shoulder season' in the industry - it's the time just between peak and off-peak. You can often get the best of both worlds, the temperatures are still mild, there's less crowds and great deals on beach holidays, all inclusive packages and city breaks. Look for shoulder season offers on travel deals sites like HolidayPirates or try a package holiday comparison site like Travel Supermarket .
While many people start their shopping a little earlier, November is the best time to finish it off. There are mega sales over Black Friday and Cyber Monday weekend, so it's the last chance to pick up discounted items before the Boxing Day sales. If you're not keen on the idea of the crowds, do your Christmas shopping online, the sales extend to the web too .
We have a lot on our financial plate leading up to Christmas, but it could pay to look for a new car in December. Dealers will generally want to hit their annual targets, so they could offer you huge discounts. Can’t afford to in December? You could try June instead.