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Whitaker-Myers Wealth Managers is an SEC-registered investment adviser firm. The information presented is for educational purposes only and intended for a broad audience. The information does not intend to make an offer or solicitation to sell or purchase any specific securities, investments, or investment strategies. Investments involve risk and are not guaranteed. Whitaker-Myers Wealth Managers reasonably believes that this marketing does not include any false or misleading statements or omissions of facts regarding services, investment, or client experience. Whitaker-Myers Wealth Managers has a reasonable belief that the content will not cause an untrue or misleading implication regarding the adviser’s services, investments, or client experiences. Please refer to the firm’s ADV Part 2A for material risks disclosures.

Past performance of specific investment advice should not be relied upon without knowledge of certain circumstances of market events, the nature and timing of the investments, and relevant constraints of the investment. Whitaker-Myers Wealth Managers has presented information in a fair and balanced manner.

Copyright (c) 2023 Clearnomics, Inc. and Whitaker-Myers Wealth Managers, LTD. All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Past performance is not necessarily a guide to future results. Company fundamentals and earnings may be mentioned occasionally, but should not be construed as a recommendation to buy, sell, or hold the company's stock. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

  • Writer's pictureLindsey Curry

The benefit of buying off-season

Happy Mother’s Day! Congrats Grad!

 

If you haven't already, you will hear and see these things very soon. You will also start to see many of these sayings on cards, plates, napkins, and other party supplies, which will show up very quickly in stores.

 

And being proactive AFTER those events pass can help you score big and save money.

 

But wait, what? Can buying these things after they have passed help me save money? How can buying after an event, holiday, or season has passed help me save money?

 

It’s all about timing

Marketers love showcasing the newest and brightest things for an upcoming event, holiday, or season. So, of course, they will put them out several weeks ahead of that time of year to get you excited and remind you that you need to purchase said items for the upcoming event, holiday, or season. They want to capitalize on your excitement to lure you in to buy items at full price, which, in turn, could break your budget.

 

The key to being thrifty is timing up your execution of the “good buy.” You have to wait until AFTER the event, holiday, or season to strike because that is when stores want to get those remaining items out of their inventory. And since they want these items out of inventory (to bring in new inventory), they will discount said items. Depending on the store and how long past the season will determine how large of a discount, but I promise you, either way, you will be saving in the long run.

 

The waiting game is worth it

I have found shopping after a holiday or event is extremely helpful for saving money, not only on party-themed dishware but also on children’s clothing. As any parent of small children knows, kids are either rapidly destroying clothes or shoes or growing out of them. I try to shop off-season and buy up in their sizes for future use rather than wait until the season comes along and pay full price for items.

 

I have been able to buy winter jackets at 80% off the regular price, swim suites at a fraction of the price, and play clothes for a whole bag that normally would have cost over $100 walking out the door, down to under $20.

 

Patience is a Virtue

The caveat is that you now have to hold it for an entire year or several months to be able to use it. But in my personal opinion, taking up some storage space is well worth it when you can sometimes save 50 – 75% on items.

 

I have also been able to purchase items off-season and save them for birthday presents or holiday gifts. This makes it hard if your love language is gift-giving because your natural instinct is to give the item you just bought to the intended recipient. However, I promise, if you practice patience, it will still feel just as good giving it to them later as it does if you were to give it to them right then and there.

 

Planning ahead

Being proactive is part of the success of this plan. There is the off chance you may run into one of the off-season sales racks at the store, but your chances of saving more increase when you are mindful of the timing.

 

Many stores put their seasonal or event-themed items on sale the day or week after. If you plan to make a trip a few days after, or even the day after, you can save on wrapping paper, party supplies, decorations, and more.

 

Be Intentional

Our friends at Ramsey Solutions say, “Don’t buy just to save.” You need to be intentional and have a purpose for the items you are buying, not just buy them because they are a great deal. If your kids already have a pair of winter boots that will work perfectly fine and still fit them next year, don’t buy a new pair because they were “so cheap!”

 

Don’t buy out the Class on 2024 party supplies if you don’t plan on having a graduation party in 2024. To play it safe, stick to “Congrats, Grad!” if you have a high school junior this year.

 

Yes, you can get some amazing deals, but you can also spend unnecessary money if you don’t have a plan to use the items or if they will be redundant.

 

The purpose of shopping off-season is to help with your overall budget, not add to the total expenses. If you have never budgeted before or have tried and want to improve, our financial coach at Whitaker-Myers Wealth Managers can help walk you through the process, helping you feel more confident in your budgeting habits.

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Whitaker-Myers Wealth Managers is an SEC-registered investment adviser firm. The information presented is for educational purposes only and intended for a broad audience. The information does not intend to make an offer or solicitation to sell or purchase any specific securities, investments, or investment strategies. Investments involve risk and are not guaranteed. Whitaker-Myers Wealth Managers reasonably believes that this marketing does not include any false or misleading statements or omissions of facts regarding services, investment, or client experience. Whitaker-Myers Wealth Managers has a reasonable belief that the content will not cause an untrue or misleading implication regarding the adviser’s services, investments, or client experiences. Please refer to the firm’s ADV Part 2A for material risks disclosures.

Past performance of specific investment advice should not be relied upon without knowledge of certain circumstances of market events, the nature and timing of the investments, and relevant constraints of the investment. Whitaker-Myers Wealth Managers has presented information in a fair and balanced manner.

Copyright (c) 2023 Clearnomics, Inc. and Whitaker-Myers Wealth Managers, LTD. All rights reserved. The information contained herein has been obtained from sources believed to be reliable, but is not necessarily complete and its accuracy cannot be guaranteed. No representation or warranty, express or implied, is made as to the fairness, accuracy, completeness, or correctness of the information and opinions contained herein. The views and the other information provided are subject to change without notice. All reports posted on or via www.clearnomics.com or any affiliated websites, applications, or services are issued without regard to the specific investment objectives, financial situation, or particular needs of any specific recipient and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments. Past performance is not necessarily a guide to future results. Company fundamentals and earnings may be mentioned occasionally, but should not be construed as a recommendation to buy, sell, or hold the company's stock. Predictions, forecasts, and estimates for any and all markets should not be construed as recommendations to buy, sell, or hold any security--including mutual funds, futures contracts, and exchange traded funds, or any similar instruments. The text, images, and other materials contained or displayed in this report are proprietary to Clearnomics, Inc. and constitute valuable intellectual property. All unauthorized reproduction or other use of material from Clearnomics, Inc. shall be deemed willful infringement(s) of this copyright and other proprietary and intellectual property rights, including but not limited to, rights of privacy. Clearnomics, Inc. expressly reserves all rights in connection with its intellectual property, including without limitation the right to block the transfer of its products and services and/or to track usage thereof, through electronic tracking technology, and all other lawful means, now known or hereafter devised. Clearnomics, Inc. reserves the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

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