Lots of clothing stores will offer coupons each week. They might be in the weekly ads, in emails from the company, or even come snail mail. Others will print on the register tape AFTER you make a purchase. The most common ones I've seen are for money off a certain purchase amount (ex: $10 off $30) or a certain percentage off (ex: 20% your entire purchase.) Read the fine print carefully! Some coupons exclude clearance and sales items. If I get one of those, I usually toss it because I rarely buy anything that's not on sale anyway.
If you do online shopping, ALWAYS check for promotional codes before you checkout. You can just Google something like "Old Navy coupon codes", and you'll get tons of hits. The one site I regularly rely on is RetailMeNot. Search for a store, and you'll usually find codes for things like free shipping, $ of your purchase, or even % off your total purchase. Be sure to sign up for your favorite stores' mailing lists. You'll regularly get coupon codes sent right to your inbox.
I think the best day to shop for clothes is Saturday mornings. Some stores offer doorbusters or early bird specials until noon or 1:00 p.m. You often get special, lower prices during those hours. Many stores also offer Friday night owl specials, also with lower prices.
Some stores offer programs that reward you for shopping with them. One example is JCPenney. You register the credit or debit card that you usually shop with on their website. This allows JCP Rewards to track and award you points for your purchases. If you earn enough points in the monthly earning period, you'll get a $10 reward you can redeem on a future purchase of $10 or more. I think you get additional earning opportunities or bonus points if you're a JCP credit card holder. (I'm not, but my mom is, and I know she gets more perks and coupons than I do. The extra savings hasn't convinced me to open up a JCP charge account, though.)
Here's an example of how I saved money at JCP on two separate shopping trips.
JCP was having a Saturday morning promotion--15% off your total purchase or 20% off your total purchase if you use your JCP credit card. I also had a "Fast Cash" coupon--a coupon that printed on the receipt of an earlier purchase.
Crossover bag - regular price $19.99 (gift)
Clearance markdown -$14.00
15% discount -$0.90
Net Sales: $5.09
Twill pants - $19.99 (gift)
Clearance markdown -$12.00
15% discount -$1.20
Net Sales: $6.79
Scarf - regular price $25.00 (for me!)
Clearance markdown -$20.03
Fast Cash -$5.00 off accessories purchase (adjusted to $4.97)
Net sales: $0.00 (completely free!)
Regular Retail: $64.98 + tax
-$46.03 clearance discount
-$4.97 Fast Cash
-$2.10 15% discount
My OOP: $11.88 + tax
Savings: $53.10, 82%
Transaction # 2
Mom received an JCP email with a $10 reward off any $10 or more Liz Claiborne purchase. We had no idea if we'd even be able to find any reasonably priced Liz Clairbone items. The clothing items were way too expensive, even on the clearance racks. I had a thought to check the jewelry department, and I'm so glad I did!
Liz Claiborne boxed jewelry set - regular price $18.00
40% doorbuster promotion -$7.20
Liz Claiborne reward -$10.00
Net sales: $0.80
Regular Retail: $18.00 + tax
-$7.20 doorbuster
-$10.00 reward
My OOP: $0.80 + tax
Savings: $17.20, 96%
See? Coupons aren't just for groceries and personal care items! You can score clothing and accessories at deep discounts, too.
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