Or wait until next season. Yes, you’re out of cash from holidays. Still, January is the best time to buy a coat. You can wear it for the rest of the winter; the selections have not been totally plundered by the masses and the prices are about as good as they get. Here’s a tip — you might even find a trench or car coat to extend beyond the snowy season, thereby better justifying the expense. We like the belted styles on winter jackets and trench coats at Tommy Hilfiger, though we’re still waiting for some prices to drop. Exhibit A above.