1. Cars A lot of new cars start arriving into the dealerships starting in September, so look for new deals on last year's model starting in October. Especially look for special rebates or deals that may appear at the end of the month.

2. Fishing Gear Winter months are the best months to get deals on off-season sporting gear, and fishing gear fits into this category. Start looking for deals in October.

3. Cookware Start to watch for now holiday sales on cookware in October and November.

4. Holiday Airfares The sales for holiday airfares continue through the beginning of this month.

5. Toys Start your holiday shopping now. Some of the best sales on toys can be purchased with special deals and offers beginning the holiday season now. 

6. Re-positioning Cruises There are two times of years to get a deal on repositioning cruises, cruises offered with cruise lines are moving their fleets for the different cruising seasons. They are spring and fall. Look for great discounts in October regarding these cruises.

7. Large Home Appliances  In September new models started rolling in and retailers started clearing out last year's models. Sales on last year's models continue in October.

8. Air Conditioners Stores begin to clear out air conditioners in the cooler months, and that time of year started last month and continues through winter.

9. Shrubs, bushes, bulbs Depending upon your place in the country, right before your first hard freeze can be a great time to plant shrubs and bushes. Coincidentally this is also a great time to find deals on shrubs and bushes as retailers clear out winter merchandise. Bulbs are also on sale, and if your climate demands that you wait until spring to plan these bulbs, you can buy them now and safely store them over the winter.

10. Gas Grills Grilling time is almost over. Look for deals as stores clear out their inventories.

11. Jeans Back to school shopping is generally over at this point, and stores are dropping prices on leftover inventories such as jeans.

12. Health Insurance For a lot of companies now is the time of year for open enrollment in regards to your health insurance. Be sure to read through all of your options presented to you buy your company to make sure that you pick the plan best for your family. If you are insuring yourself, shop around now to make sure you are getting the best deals on health insurance.