The Internet cloud is chock-full of reminder services, from when to clean your bathroom to when to pay your taxes. However, if your goal is saving money, you might want to follow the anti-calendar. This is our guide to buying products and services at the time of year when no-one else is, so the price could be much lower. I've started such a calendar, and hope that with your input we can develop this into a great money-saving tool.

• January
  Christmas decorations, of course
  Tree removal/pruning
  Car shopping
  Turkeys
  Spring bulbs (hold to plant)
  
• February
  Window and door replacements
  Fencing
  Outlet stores (Christmas returns aplenty)
  Back to school clothes
  
• March
  Winter clothing
  School supplies
  Valentine's Day cards and gifts