Right time, right price

A month-by-month guide on the best times to buy and sell just about everything [Image] ThePennyHoarder.com June 24th, 2019 Um, we don’t like to be the bearers of stressful news — but this is the beginning of the last week of June, which means we’re practically already in the second half of the year. As soon as the red, white and blue decor comes down, the Halloween stuff will start flooding the store shelves… and then it’s just a matter of time before inflatable Santas and snowmen greet you at every turn. Yikes. Fitting, though, because today we’re talking about how the seasons drive our buying habits and selling opportunities.  But first… Dear Penny,  “In 2011, I declared Chapter 7 bankruptcy… How long will the bankruptcy stay on my credit report to hold me back from buying a new home?”  See [what Dear Penny has to say to this reader]( as she explains the effects of bankruptcy, qualifying for loans and how long a mark like this one will stay on your credit. Like Snowflakes or Fingerprints… Everyone’s reason for getting into debt is unique — which means your way out will be, too. Fortunately for us, Penny Hoarders are generous when it comes to sharing their ideas. Check out [these innovative debt paydown strategies]( to help inspire your debt payoff journey. Right Time, Right Price [Best time to sell]( This week, earn a little extra money to put toward savings, debt payoff or just your fun-money fund. You know that (ever-growing) pile of things you keep promising you’re going to sell someday? Pick three things to list for sale online this week — but don’t pick just any three things. Did you know that just like there’s a right time to buy certain items to get the best deals, there’s also a right time to sell things, too? If you want your items to actually sell (and at a good price), make sure the things you’re listing are currently in demand. (Would you buy skis in June? No? Neither would most people.) Whether it’s clothing, the bike you really thought you were going to ride more than, well, once or the stroller your kid just outgrew, there’s a best time to sell everything cluttering up your garage — and [we’ve broken it down in this month-by-month guide](  [Image] WORD OF THE DAY Buyer’s market (n): An economic situation in which there are more goods on the market than buyers. Most often, the terms “buyer’s market” is used in reference to real estate, but it can describe any situation in which prices for certain items are forced to dip due to an abundance of stock or a lack of consumer interest.   There are some purchases you just can’t plan (think: emergency car repairs, a new AC unit when your old one goes bust in July), but more often than not, a little planning and a lot of patience can help you score the best deals on most of your upcoming purchases. If you’re in the market for just about anything from mattresses to fitness equipment, [consult our handy calendar of the best times of year to buy]( to snag the lowest prices.  [The Penny Hoarder] [Facebook]( [Instagram]( [Twitter]( [YouTube]( The Penny Hoarder | 490 1st Ave S, Suite 800 | Saint Petersburg, Florida 33701 | United States  You can [update your mailing preferences here]( or [unsubscribe]( from all email from The Penny Hoarder.  Questions? View our [Privacy Policy](  Having trouble reading this email? You can [view it online](