December blows in at the peak of the holiday shopping frenzy, and then it tiptoes out with the end of the year and post-holiday calm. Black Friday deals are long over, and there are no major shopping holidays this month, but you can still find a fabulous deal before and after the holidays. So, whether you’re finishing up your holiday shopping or looking for year-end bargains in any category this month, we’ve got you covered. 

Here’s what to buy and what to skip in December. 

Buy: Electronics

If you missed the Black Friday sales on electronics, you can still cash in on some incredible savings. Many retailers will keep the leftovers from November’s sales marked down through the end of the month. Look for discounted electronics at big box stores, online retailers and directly from manufacturers.

Skip: Winter clothing

It’s still too early in the season to find any real discounts on clothing. If you can wait until retailers start slashing prices on cold-weather wear after the holidays to drum up some business, you’ll save big on winter wardrobe essentials. 

Buy: Toys

As the year draws to a close, you’ll start seeing steep discounts on toys and games from retailers that are looking to clear the season’s inventory before the holidays. If you can handle the stress of last-minute shopping, the week or two leading up to Christmas can be the perfect time to pick up some budget-friendly stocking stuffers for the special little someones in your life.

Skip: Fitness equipment

Trying to slim down before the holidays? Hold off a bit on purchasing exercise equipment and you can save big. Soon, fitness gear and clothing, as well as gym memberships, will drop in price as consumers commence with the annual New Year’s resolutions fitness craze. Until then, you can enjoy brisk walks and runs around the neighborhood at no cost.

Buy: Champagne

Welcome the new year with the pop of your favorite champagne, all at a price that doesn’t break the budget. Liquor sellers will be competing for your business this time of year, and prices on the celebratory beverage will plunge as New Year’s draws near. Take advantage by stocking up on your favorite bubbly at a bargain price.

Skip: Furniture and bedding

This isn’t the time of year to upgrade your household and give your bedroom a facelift. Furniture and bedding will be sold at full price at most retailers this month. Instead, wait for the January white sales to purchase the same items at discounted prices. For even deeper discounts, shop for furniture and other home goods at fantastic prices at Presidents Day sale events in February.

Buy: Christmas decorations

Prepare to deck the halls without spending a bundle. You’ll find holiday decor, wrapping paper, tree ornaments and more slashed up to 50% in price the day after Christmas. With prices like these, it’s not too early to think about next year’s holiday season! Just keep everything well-wrapped and store in a dry place. Come next year, you’ll be ahead of the holiday shopping before the season even starts. 

Buy: Gift cards

Gift cards are the perfect antidote to out-of-control inflation. They’re always appreciated, and you won’t feel like you’re spending a ton on a gift that’s not really worth the price. Best of all, you can find discounted gift cards all through December on sites like GiftCardGranny, CardCash and through private sellers listing on sites like Craigslist. Some sites will even let you customize the card with a personalized message for the recipient. 

The year is drawing to an end, but the savings on some items is just beginning. Use the tips outlined here for knowing what to buy and what to skip in December. 

Your Turn: Have you picked up any great buys in December? Tell us about them in the comments!

Each individual’s financial situation is unique and readers are encouraged to contact the Credit Union when seeking financial advice on the products and services discussed. This article is for educational purposes only; the authors assume no legal responsibility for the completeness or accuracy of the contents.