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Truity Credit Union Blog > October 2018 > How to Shop for Fall on a Budget

How to Shop for Fall on a Budget

  • 10/15/2018

If you've just breathed a sigh of relief because the back-to-school shopping season is behind you, you've got another thing coming. The fun is just beginning!

Your child may be outfitted for the new school year, but you probably need some warmer autumn clothing for yourself. Now that the leaves are starting to change colors, winter isn't far behind. With it comes a slew of wardrobe necessities and accessories to purchase, both for yourself and the rest of your family.

If the dollar signs dancing before your eyes are looking frighteningly large, you can relax!

Six Timely Money-Saving Tips This Shopping Season

1.) Layer up

Don't pack your summer clothing yet. Save tank tops and summer vests for layering up in colder weather. You can also stick a long-sleeved T-shirt under a dress and add leggings and boots to make it warmer.

2.) Take inventory

Take stock of your closets before hitting the mall. You may not realize what you've saved from last year's winter until you look. Take an inventory of what each family member has and what they still need and write it down.

3.) Shop the sales

Take advantage of fall's many holidays—and their sales! There's Columbus Day, Veterans Day, and of course, Black Friday. It's often worth waiting for the next holiday to buy what you need.

4.) Shop online—without paying to ship

Online shopping can be significantly cheaper than retail stores—until you need to tack on $6.99 for shipping. Beat the system by looking for free shipping on sites like, or by taking advantage of the free in-store pickup that many retailers offer.

5.) Time it right

There's a season for every purchase. If you wait until a specific item goes on sale, you'll save big. For instance, jeans always get marked down in October, and last winter's boots show up on sales racks at the end of September. Also, winter coats go on sale as soon as Christmas is over. Depending on your climate, you may be able to hold off until after the holidays. Alternatively, if your old coat is in excellent condition, but you'd like a more updated look, consider making do with it for now, and buying a new one when they go on sale.

6.) Shop the overstock

Stores that specialize in deeply discounted merchandise, like DSW and TJ Maxx, can be a terrific source for name brand clothing at generic prices. These stores are especially beneficial for stocking up on basics. Similarly, check out secondhand stores and sites like for incredible deals on stuff you need.

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