THE BEST TIME TO BUY ANY AND EVERYTHING.....

What: Airline tickets When: 1 a.m. on Wednesday Why: This is the best time to find a deal because airlines reset their fares every Wednesday just after midnight, says Peter Greenberg, Men's Health Travel Detective. 

What: New suit When: January or July Why: The spring collection hits stores in January, so find a deal on fall suits; they'll be marked down as much as 30 percent. It's the reverse in July. 

What: Gym membership When: July and August Why: New memberships plummet midsummer, so you might find a deal because gyms are in a negotiating mood. 

What: Car When: November and December Why: Don't, as many experts say, buy the previous year's model in late summer when the new models hit. There's a year of depreciation on them already. Instead, buy next year's model late in the year, when dealers are antsy. 

 What: Caribbean vacation When: March and April Why: There will still be plenty of chilly weather at home to escape in early spring, and you'll save 25 percent or more by avoiding the peak season of December to February, says Orbitz travel expert Kendra Thornton. 

What: House When: October to December Why: Real estate varies from place to place. But in general, supply exceeds demand in the fall, after the school year begins.