Fourty percent off is a deal. Most retailers have rolling week-to-week markdowns throughout January, so even if you see something you like at 20 percent off, wait a few days and with luck you'll see that discount double. A lot (but not all) of those mark-down occur on Thursday. In January, overcoats, boots, and heaiver blazers promise the best deals; work suits, dress shirts, and dress shoes less so. If you can wait, hold off until May or November to buy stuff for work.