The number one rule of sale time is that it’s not a bargain if you don’t really need it.

That said, if you need to stock a new house, upgrade an old or inefficient item, or replace something that’s broken, the end of financial year sales are usually a good time to do it.

Our top tip is to focus on bigger goods you’ve been considering for a while, such as technology and whitegoods. Smaller, less expensive items such as clothing, shoes and accessories go on sale more frequently, so your money at this time of year will be better spent nabbing deals on pricier pieces.

We had a look at a few popular EOFY wishlist items, and found some examples of bargains.

Refrigerator
At Appliances Online, we found the Lemair L550SXS 562L Side by Side Refrigerator for $927 (RRP $1,599) a saving of $672 or 42%.

Couch
Freedom has up to 50% off selected furniture, including the Signature classic arm three-seat fabric sofa for $1049 (RRP $2099).

Laptop
Apple fans will know that Apple doesn’t often discount their products, but Kogan has a few items on sale, including the MacBook Air 13″ 1.8GHz 128GB for $1249 (RRP $1499), a saving of $250. Don’t forget that if you work from home you can claim up to $20,000 of home office equipment off your taxes.

Television
If you’re after an absolutely massive screen for your home theatre set up, the Samsung QA75Q8C 75-Inch Smart 4K Ultra HD QLED TV is $6,458 at Appliances Online. It’s a pretty impressive saving of $5,041, or 44%, off the RRP of $11,499.

If that sale price is still out of your budget (remember televisions become obsolete very quickly), consider the LG 65UJ634T 65-Inch Smart 4K UHD LED LCD TV for $1,757, $492 or 22% off the RRP of $2,249.

Smartphone
Android users might be interested that the popular Samsung Galaxy S8 Dual Sim (64GB, Midnight Black) is $699 plus delivery on Kogan, compared to the $999 RRP.

Washing machine
If you need a new machine, there are plenty on sale at this time of year, but as a midrange option, Appliances Online has the Fisher & Paykel 7.5kg Front Loader for $769 (RRP $1099), saving you $330.

Mattress
For an upgrade to your bedroom set up, the mattress-in-a-box brand Ecosa is already one of the cheapest high-quality mattresses on the market, but as they’re offering $250 off all mattresses you can get a queen for $849.00 (RRP $1,099.00).

Shop around and compare sites and stores to find the best deal on the product you need. And remember, it’s always worth asking if you can get a slightly better discount – you never know what a salesperson can swing.

PLUS: A recent report by the Australian Competition and Consumer Commission (ACCC) shows petrol prices in Australia have hit a four-year high.

“Consumers have recently been paying around $1.60 [per litre] for petrol,” said ACCC chairman Rod Sims.

Research showed that consistently the most expensive retailers are the big ones – Coles Express, BP and Caltex – while retailers such as small independents, Speedway, 7-Eleven and United tend to have significantly less expensive fuel.

This can be explained by the other facilities bigger retailers offer such as extensive shopping options, which makes them more appealing and able to charge more.

To counteract these rising fuel prices, there are several apps on the market which can point you in the direction of the pump with the lowest prices near you.

Look at MyNRMA, RAC Go, FuelCheck (for NSW), MyFuelNT (for the NT), MotorMouth, the crowdsourced GasBuddy, and Fuel Map, as well as 7-Eleven, Coles, Woolworths and Comparethemarket, which are all free.

Using FuelCheck to compare prices around Sydney, we found the cheapest fuel was at 7-Eleven Camperdown, costing 139.9 cents per litre, and the most expensive was 155.9 at BP Connect Rozelle.

Of course, you aren’t always going to be able to get to one of the less expensive pumps, but if you’re filling a 65-litre tank, that’s a potential saving of $10.40 every time. Let’s say you fill up every two weeks, that adds up to $270.40 over the course of a year. Might be worth downloading one of those apps!