You know that I don't support shopping when you don't need things, but if you see things you need in the following post, now is the time to shop! And stores are air-conditioned!

Between back to school sales and end of summer sales, you can get very good deals. Stores want to clear out the summer merchandise — to have more room for the Halloween and Christmas displays already going up! And many stores offer certain back to school supplies at huge discounts to get you in the store.

Summer merchandise like lawn chairs and grills and beachwear often go on clearance around now. I live in DC and it's going to be hot for several more weeks yet. (Plus, you can grill well into the fall.) If you've been pricing a needed new purchase, buying now may offer you the best price.

I don't know about you, but I use certain things that can be considered school supplies. Things like pens and notebooks and folders. You don't have to have a kid in school to be allowed to shop back to school sales. You might as well get things (you actually need!) at the lower price. You can also often find good deals on things like computers and shoes. Keep your eyes open. Make it a point to check out sales circulars and online deals.

Remember, don't buy just to buy. But if you need something, be smart in your purchase.