Once you’ve checked out prices and preferences online, you may want to inspect alternatives in stores. Look for industry-wide sales in January and July, says Jackie Hirschhaut, vice president of the American Home Furnishings Alliance. That’s when retailers want to make room for the next season’s designs.

Independent Retailers: If you feel comfortable negotiating, hit local stores. They tend to be more willing than the big chains to make concessions. The best time to bargain? At the end of the month, when retailers are trying to meet monthly quotas. If a store won’t slash prices, ask about waiving delivery or assembly costs instead.

Chain and Department Stores: Head here for competitive prices (most buy in bulk) and extras. Ethan Allen, for example, includes shipping, warranties, and even the services of an in-house decorator with the purchase price.

Outlets: A must-visit for bargains on slow-moving or slightly damaged merchandise.