How has your financial plan worked out this year? Not ended up with quite as many zeroes on the end of your bank balance as you’d hoped? The problem is, however well we plan our economy, temptation tends to get the better of us. Put a certain amount of your earnings aside each month, and in theory you’ll end up with a nice fat sum by the time Christmas rolls around. But in reality, the knowledge that you have that financial cushion just makes you more susceptible to temptation. An impulse buy here and there, and you’re soon back where you started – unsure if you can even meet your rent this month.

2017 is going to be different. You remember all that discipline you’ve been applying so fervently to the other areas of your life? It’s about to pay off at the shops, too. The secret is, the month and even the day that you pay for certain categories of item can dramatically effect the cost. Pricing is seasonal. Reductions fit a pattern. If you could go back to the start of 2016 and make the same purchases again, but each at the optimum time – you’d be a lot closer to your ideal bank balance than you currently are.

Suits are cheaper in January. Shades are cheaper right after summer ends – you should be buying a year in advance. Easter Monday is a great day for having a drink at home with your buddies – but spend the morning at the mall, and you’ll find untold reductions on stuff you might’ve paid more for a week earlier.

The system applies to most things you might conceivably buy, so it’s great to know there’s a new resource for figuring out when is the prime moment to invest in each particular purchase. Have a look at this chart, and plan out the timing of your major purchases in 2017 before the new year hits. Your financial plan shouldn’t mean just working hard, but shopping clever if you want to come out on top.




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