Time is money. So in honor of turning the clocks ahead as we spring forward for Daylight Savings Time this Sunday, we’ve pulled the best times to save your hard-earned dough when buying a house, booking a flight and snagging snacks from the supermarket.

BUY A GRILL

Now’s the time to grab your summer grilling necessities, according to NerdWallet retail expert Courtney Jespersen, before rising temperatures spike in prices. Other monthly steals include snagging an HDTV during Super Bowl sales in January and February. Buy jewelry in April, which is far enough from Valentine’s Day, Christmas and the wedding season to get a discount. But the biggest sales of the year across the board come around Memorial Day, Labor Day and Black Friday.

GRAB A GREAT WINTER COAT

Shop off-season to get clothes at the lowest price. So even though it’s snowing across most of the Northeast on Friday, stores are already offloading their winter wear to make room for spring stock. Both Macy’s and JCPenney have coats on clearance for up to 70% off. Likewise, look to grab shorts, tanks and sundresses around the time the back-to-school sales begin.

BOOK A FLIGHT

Fliers can save up to 40% depending on the day and time they book tickets, according Patrick Surry, the data scientist at flight tracking app Hopper. Book at least 25 days in advance, but no further out than 150 days, since fares don’t drop until the five-month mark. The cheapest flights are Tuesdays around midnight, when you can save about 6%. You’re most likely to bag international flight bargains on Thursdays.

HIT THE SUPERMARKET
Shop weekly sales the day that new circulars come out to get the best selection. Shopping at 8 a.m. and 8 p.m. to skip crowds, especially on Mondays and Tuesdays. But don’t shop an hour before a major TV sporting event, since people will make last-minute store runs to stock up on beer and snacks.

BUY A HOUSE

Begin your house hunt next Daylight Savings Time. “It’s the fall and winter months that usually provide the cheapest opportunity to buy a home,” reveals Tim Manni, mortgage expert at NerdWallet. “Home prices fall back after the busy spring and summer months and continue to trend lower as the year turns from fall to winter.”

 

APPLY FOR A CREDIT CARD

Some 83% of us apply for credit cards at the wrong time, losing $177 in rewards and forfeiting 15,338 miles or points, according to NerdWallet. November is the best month for limited-time offers with travel and airline cards. August is best for hotel cards. The survey also found that Chase’s best offers come in August and November; Citi’s in October and November; and American Express’s in August and September.