Top 8: What to Buy in July

July 8, 2011— -- Entering a cool air-conditioned store is a good way to escape July's heat. On top of that, July happens to be a good month for finding bargains.

With back-to-school spending right around the corner, ABC News talked with Allison Kade and Maria Lin of LearnVest.com, a personal finance Web site geared toward women, about what to buy in July to save money.

Here is a list of items the staff created that offer the best deals in July for frugal shoppers:

Furniture

"There is new inventory in July because they're clearing out furniture for the fall," says Allison Kade, a deputy editor at LearnVest. Outdoor furniture may have some of the steepest discounts in the seventh month of the year as retailers begin "making room for the fall inventory in the showrooms."

Big Appliances

Items like microwaves and refrigerators may see price trimming after the July 4 holiday weekend. For consumers hoping to renovate a home or replace dated household items, July is a good time to begin shopping.

Suits

"Suits tend to be good –especially spring suits," says Kade. Since the inventory is on its way out, "if you're willing to store it nicely in your closet" until the right season rolls around, you can find a good buy.

Paint

"Paint is a pretty good buy at this time of the year," says Kade. "It's pretty hot outside so no one feels like painting." The lack of interest in staying home and painting a room in record heat is why many may save money on this product.

Butter

"It seems that butter production is at its best in June and July, so for that reason there's more of it," says Kade. The excess amount makes it a steal in July. "It might make sense to buy a significant amount to store for later."

Mattresses

"Mattresses tend to go on sale around big holiday weekends," says Maria Lin, editor-in-chief of LearnVest. The comfy item did not make the online list because of year-round deals, but mattresses are still a good buy in July. Lin recommends haggling with dealers throughout the year. Since the mark-up on mattresses varies, "you can negotiate and should not accept the ticket price."

Older Computer Models

Newer models of computers tend to surface in the fall, allowing tech stores to offer great deals on older models. "If you're buying a regular model, then July is not a good time to buy because new models come out in fall," says Kade.

Swimwear

"As the summer progresses, [swimwear] will get increasingly cheap," says Kade. "The same holds true for August. If you store it for next season, then it can be a good buy."

Other tips: Going into the store instead of shopping online for some items might be the best way to save on some big items. "You can probably get the price down a little bit –especially if it's at the end of the month and if [the item] takes up a lot of space in the store," says Maria Lin, editor-in-chief of LearnVest.

Finally, don't be afraid to ask.

"I really think it's all about asking," says Lin. "Since the recession, it's less taboo to ask. If you ask in a friendly way, it can never hurt. The worst they can say is no. And a lot of times sales assistants might offer other cost saving measures, such as free delivery, if they can't trim the price."

"Be polite and smile," adds Kade.