I start in late summer, right around the time the kids go back to school. You can usually get clothes on sale. We also have a wood burner in our living room that helps defray the cost of the heat. We make sure all the firewood is stocked up and we gather rubbermaid bins and fill them with kindling. So much easier to do now than when the ground is covered with ice and snow or it's freezing outside. We also check our lanterns, stock up on batteries, bottled water and toilet paper. An ice storm left us without power for 5 days once. We won't be caught unprepared again.