The Update

What to Buy and What to Skip in July

As the summer heats up, so do the deals—if you know where to look. July can be a great month for smart shopping, but not every sale is as good as it seems. Whether you’re planning a big purchase or just want to stretch your dollars further, here’s your guide to what’s worth buying—and what’s better to wait on.

What to Buy in July

Summer Apparel and Swimwear
Retailers begin clearing out summer inventory early, which means big markdowns on clothing, swimsuits, sandals, and accessories. Look for sales around the Fourth of July and even bigger discounts as stores start prepping for back-to-school and fall lines.

Outdoor Gear and Camping Supplies
If you're into hiking, camping, or outdoor entertaining, July is your time to score deals. Many stores offer mid-summer sales to move grills, patio furniture, tents, and gear before the season ends.

Tech (Thanks, Prime Day!)
Amazon’s Prime Day—usually held in mid-July—sparks a wave of tech deals across the board. Expect discounts on laptops, tablets, smart home devices, headphones, and more, both on Amazon and through competitors like Walmart and Best Buy.

Tools and DIY Supplies
July is also a great time to buy tools and hardware. Home improvement stores often run promotions around Independence Day, which can make this the perfect time to upgrade your toolbox or tackle that long-standing DIY project.

Ice Cream and Summer Treats
National Ice Cream Month brings sweet deals. Look for BOGOs and special promotions at grocery stores and dessert shops all month long.

What to Skip in July

Back-to-School Supplies (Yes, Really)
While you might see early back-to-school promotions, the deepest discounts won’t roll out until August. If you can wait, you’ll save more on notebooks, backpacks, and classroom essentials closer to the school year.

Fall Fashion
Retailers start putting out fall items this month—but don’t expect deals. These collections are new and priced at full retail. Unless it’s something you can’t live without, wait until September or October for markdowns.

Major Appliances
If you're thinking about upgrading your washer, dryer, or fridge, hold off until Labor Day weekend. That’s when most appliance stores offer their best deals of the season.

TVs
TVs often see big discounts in November for Black Friday or in January before the Super Bowl. July prices tend to be higher, even if you see a few flashy sales.

Shop Smart This Summer

Shopping in July is all about timing. If you’re eyeing summer essentials, tech, or outdoor gear, this is your moment. But for school, fall, or home upgrades, waiting a few weeks could save you more in the long run.

Pro tip: Always compare prices, read reviews, and watch for hidden costs like shipping

Earn Rewards for All Your July Purchases

Whatever you choose to buy this month, don't forget to use your RGCU Debit Card! For every swipe you make you'll earn reward points that can be redeemed for cash back, gift cards, travel, and more.