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5
Don't Pay Retail

If you work a 40-hour week, you may be tempted to schedule shopping trips for weekends when you'll have plenty of time to walk around the mall or drive from store to store. However, making two simple changes to this habit could save you money. First, opting to shop for children's clothing online in the middle of the week will usually garner the best deals. According to a survey of more than 100 online retailers, a Wednesday is the best day to get children's clothing -- with an average discount of 40 percent. Second, shopping online eliminates the transportation costs you'd incur for in-person sprees, and you can easily use a search engine to find the stores with the lowest prices.

But you can use a search engine to avoid paying retail any day of the week. Start your search by typing the name of the store you're browsing plus a term like "promo code" or "coupon code" to find codes you can enter during the checkout process to earn additional discounts. Or sign up to receive text-message or e-mail discounts via the store's e-newsletter. Some retailers even offer discounts to shoppers who "Like" their Facebook page or follow them on Twitter.

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