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If you really want to maximize your holiday budget, you also have to "layer. Go to the retailer's website and check for special offers, download the retailer's app, sign up for emails and check comparison coupon sites. In many cases those deals can be combined to save substantially. If you are still struggling to keep the holiday spending under control, many financial experts suggest sticking with cash. But for big-ticket purchases like a television, some credit cards do have added benefits for your purchase.

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The Visa Signature card and American Express, for example, will double your warranty up to a year for no extra cost. Just be wary of deferred-interest deals that could bite you in the end.

If you're struggling to keep the holiday spending under control, many financial experts suggest sticking with good ol' cash. Hit the second-hand stores, says Thompson — people are spring cleaning and donating, which means fresh inventory for places like thrift stores, Goodwill and Salvation Army as well as upscale consigners.

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Last year, stores like J. This year, the sales are also coming in hot, says Thompson. Later in the month, during Memorial Day weekend, companies like Home Depot and Sears should jump on the patio furniture sales, and if you need deck storage, keep an eye on Hayneedle their deck boxes were 70 percent off last year, says Thompson.

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If appliances are on your shopping list, waiting until Memorial Day to shop is the smartest move. Before Memorial Day, stores will likely raise item prices to make the holiday sale prices look better, says Thompson. Discounts should be 10 to 20 percent.

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Home furniture will also be widely discounted 10 to 20 percent on Memorial Day weekend, but this is the time of year to go to the mattresses. Glaser says to look for at least 50 percent off, and says you can usually find a coupon code to stack extra savings.

To find the deals, check retailers like Mattress. Penney, Target or Rooms To Go for deals.

Waiting until July is even better, but August tops them all, says Glaser. Laptops should be 17 percent cheaper than in May based on DealNews data and also potentially include store credit with purchase. Other things to wait on?

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Grills and other outdoor items, which you could snag for 30 percent off in August. Understanding the latest security innovations and protections — layered passwords, staying off public wifi — can make a big difference.