Best Things to Buy Every Month in 2024
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A new year is a good opportunity to take charge of your personal budget and develop a strategy for buying the things you want.
Create a list of the big buys you plan to make this year and use our guide to time each purchase right, so you can save money.
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- Increasing down payment assistance
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- 1. Take inventory of your debt
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- 2. Find money for child care
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- 2. Getting just one rate quote
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- BEST STORE CARDS
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- February
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- 4. Work today for fast cash today
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- 2. It’s a deferred interest card ...
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- Where to look for information
- 3. Print-on-demand products
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- 3. Get ready to pay some fees
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- 4. Bring your own food and drinks
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- 3. Deposit cash in a linked ATM
- 3. Ask about discounts
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- 2. Set financial priorities
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- Financing repairs or a car payment
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- 3. Cut costs
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- 3. High-yield money market accounts (MMAs)
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- 4. Search a coupon database or app
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- 5. Seek community loans and assistance
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- 3. Not checking credit reports and correcting errors
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- March
- The loans don't feel real
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- Cheapest for 20-year-old drivers
- 2. Build a money management blueprint
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- 3. Spend time rather than money
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- 3. Determine other ownership costs
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- 4. Fraud protection
- Slash variable spending on entertainment
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- 4. Get down payment assistance for a home
- 3. Making credit card payments can be foolproof
- State availability
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- Even smaller Kei cars
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- 3. … and it can also be a low-interest card
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- 3. It comes with a welcome offer
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- 4. Open the mobile deposit function in your bank app
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- 4. Neither card offers perks
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- 5. Visit retailer websites and apps
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- All year
- 4. Load cash on a reloadable prepaid debit card
- 6. Ask for forbearance on bills
- Removing mortgage insurance
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- 2. Use Medicare.gov to find plans
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- Cash App
- The value of high APYs
- 3. Bilt World Elite Mastercard® Credit Card
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- 4. Refinance high-cost debt
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- Optional service: PNC Overdraft Protection
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- 5. Meal kits
- Cheap cell phone plans from brands owned by the big three
- 5. Use mobile food ordering
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- Price vs. yield
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- 3. Consider paying points
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- How to meet your monthly savings goal
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- 4. Special financing options can be risky
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- 4. Opt for low-cost gift-giving
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- 3. Dividend-paying common stocks
- 4. Work on your credit
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- 7. Request a payroll advance
- Paying early also cuts interest
- Don't skew your view
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- Serve American Express Prepaid Debit Account
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- Mercury home insurance coverage
- Factors that affect the cost of car insurance
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- Request missing miles for other MileagePlus partners
- 4. Making a down payment that's too small
- 2. Bank of America: $2.34 trillion
- Average credit union personal loan rates
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- 5. Take clear pictures of the check with your mobile device
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- No guarantee that savings will be passed on
- 3. The rewards rate is high
- Partner awards
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- Blue Cash Preferred® Card from American Express
- 4. Peer-to-peer lending
- Average monthly expenses that increased year over year
- 6. Check the Sunday newspaper
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- 4. Find the right car for you
- The end of pandemic-era relief for FFELP borrowers
- How to claim the sales tax deduction
- What’s next?
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- Some using buy now, pay later services this year
- Why do I have to pay FICA tax?
- Qualifying for a second mortgage
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- Request your passport number from the State Department
- 5. Cell phone insurance
- Build more savings in a high-yield account
- 2. Do you need the Chase Freedom Flex℠?
- Buying an imported car
- Medicare Part B (medical insurance)
- Is minimum coverage cheaper for a used car?
- 4. It’s light on fees
- 6. Website development
- How to get a home equity loan
- How to write off property taxes if you bought or sold a house this year
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- What to do if you face loan default
- Pay more, earn more
- An alternative to chasing the best stocks
- 3. Consider cards that don't require a Social Security number
- Making money with Wag
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- Boating
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- 5. Find tax credits for health insurance
- 4. The APR is 0%
- 'The earlier the better'
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- 4. Your account is available immediately upon approval
- April
- Why haven't I received my tax refund?
- What is a good business credit score?
- 6. Ditch your friends (for a few minutes) with Single Rider
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- Credits
- What's next?
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- 8. Take a loan from your retirement account
- Factor in other costs
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- 2. Solo 401(k)
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- The length of your loan and negative equity
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- How to get Global Entry through travel cards
- Should you buy growth stocks?
- How to find another company's EIN
- What should you do if you can’t pay your business credit card?
- CD vs. high-yield savings account: At a glance
- Do I have to pay California state tax?
- Standard deduction 2024 (taxes filed 2025)
- Bank of America® Customized Cash Rewards credit card
- Cheapest for 20-year-old drivers
- 4. Interest rates are lower than the industry average
- For Medicaid beneficiaries
- Does your DTI affect your credit score?
- How many banks have collapsed?
- 4. Take advantage of first-time home buyer programs
- The Bitcoin ETF price war
- Home equity loan rates in 2023
- 5. There are no other Merrick Bank credit cards to graduate to
- 6. Travel help
- Other ways to access the Admirals Club
- The significance of adjusted gross income
- Pay off high-interest debt
- 3. Look for other restrictions
- 6. Apply for college grants
- Don’t sweat it
- Financing and insurance
- Final thoughts on requesting missing United miles
- Buying a used car without insurance
- Why is food so expensive?
- PNC’s $5 safety buffer
- 5. Carrying a balance can be expensive
- Gift tax limit 2023
- 7. Wedding services
- Cheap cell phone plans from brands that resell network service
- How are HELOC payments calculated?
- How to get a bigger property tax deduction
- 5. Use cash
- Expense ratios are just one fee investors pay
- Average monthly expenses that declined
- 6. Pick up weekly ads at the store
- How did we determine the value of Capital One miles?
- Defaulted FFELP Loans and the Fresh Start Program
- Impact on home buyers
- How can I access these lounges?
- 9. Borrow against life insurance
- Consider an umbrella policy
- How much to tip housekeeping
- Put it all together
- How does this new policy compare to other airlines?
- Adding and improving housing stock
- Historical Alaska mile values
- Alternatives to regular savings accounts
- 5. Shorten payment terms with clients
- How to invest in dividend stocks
- Booking award flights
- 5. It’s one of several ways you can pay for medical expenses
- Additional child tax credit
- They lack information
- 6. Confirm the check details and complete the deposit
- 7. Buy souvenirs elsewhere
- 3. EarnIn: Best for large advances
- How much to keep in your savings account
- Why is the 10-year Treasury yield important?
- Types of life insurance trusts
- What affects your credit score?
- 5. Online savings accounts
- What does Cigna Medicare Advantage cost?
- 5. Contact the seller or visit a dealership
- Step 3: Choose your lender and loan
- Mattress-buying tips
- 5. Skip comprehensive and collision coverage for an older car
- Buying local a priority for many this holiday season
- Food and drink
- Why the due date is so important
- When do you have to pay taxes on stocks?
- Hotels to book with points in Washington, D.C.
- How to make an appointment at a passport agency
- Get more help with monthly budget planning
- Google Pay
- Additional functionality
- 5. You can earn cash back on select purchases
- Paying for a new car
- How home equity loans and HELOCs are different from cash-out refinances
- 4. Chime Secured Credit Builder Visa® Credit Card
- What’s the best auto loan term?
- How much car insurance you need
- Discounts
- Insuring a classic or specialty car
- Is United’s basic economy worth it?
- Get a credit-builder product or a secured loan
- 3. Wells Fargo Bank: $1.68 trillion
- Are current personal loan rates high?
- 5. Some perks come with strings
- Interest rate
- How to open a savings account or CD
- Home equity loan and HELOC rates
- Are home equity loans a good idea?
- Funding the project
- Elite status
- How to understand DTI ratio
- Do spot Bitcoin ETFs have custodianship risk?
- How to invest in AI stocks
- 8. Look at the product packaging
- The bottom line
- 4. Funds
- For the human parent: The Children’s Place credit card
- Ways to earn money as a teenager
- 10. Use a credit card cash advance
- How do you get a second mortgage?
- Cheap full coverage insurance for different drivers
- Consumer takeaways
- Medicare vs. Medicaid: Cost
- 5. Not looking for first-time home buyer programs
- May
- Estimate your 2024 IRS tax refund date
- How the lifetime gift tax exclusion works
- 7. Keep the check until it's processed
- 8. Thrifted clothing
- What’s the deadline for filing Massachusetts state income taxes?
- Managing expectations
- 6. Make a debt paydown plan
- How to calculate quarterly estimated taxes
- Roth IRA vs. traditional IRA
- How much should I spend each month?
- Are FFELP loans eligible for PSLF?
- Should I tip housekeeping if they don’t enter the room?
- Look for savings
- How to redeem Hertz Gold Plus Rewards points for max value
- What state has the lowest gas prices?
- The bottom line
- 4. Understand the exception process
- How flexible are Alaska miles?
- ONE VIP Visa Prepaid Card
- FAQ comparing home equity loans, HELOCs and cash-out refinances
- Discounts
- Medicare Advantage (Medicare Part C)
- Overdraft policies for PNC Virtual Wallet
- Compare business credit cards
- What is California's standard deduction?
- Standard deduction for those 65 or older
- 8. Consider neighboring airports
- What are fleet cards?
- Frugal home expenses tips
- How credit card rewards look in other countries
- 5. Balance transfers are possible — but not advisable — with the Aven credit card
- Getaround pricing
- 5. Shop around with multiple lenders
- Ways to get the best home equity loan rates
- Search for individual tickets if traveling in a group
- LLC payroll taxes
- 6. Raise your deductible
- How compound interest works
- 11. Look for a payday alternative loan
- 4 ways to start investing
- Remember, this is just another life cycle
- Types of mortgage loans
- Expanding help for renters
- Best car insurance in Florida for ease of use: State Farm
- What is the VA loan limit?
- Doing great
- Watch out for scams
- How to apply online for Global Entry
- 9. Custom artwork
- The most popular surveys for cash apps
- Credit union personal loan rates
- Alternatives to savings accounts
- 4. Build your credit, with or without a Social Security number
- Are 10-year Treasury notes a good investment?
- How to get a good credit score
- 9. Browse store aisles
- Other Roth IRA rules
- Benefits of a larger down payment
- Other tips for managing your bill
- What is your modified adjusted gross income (MAGI)?
- 3. Get disability and life insurance
- Premium checking accounts
- Consumer complaints
- How to change or cancel an EIN
- When to expect your child tax credit refund
- Find the best HELOC lender for you
- Ways to lower your DTI ratio
- Citi Custom Cash® Card
- How to build your credit before car shopping
- 6. Inspect and test-drive the car, if applicable
- A rising rate environment
- Credit cards help build credit
- When to get a CD
- What is net investment income tax?
- What other projects are eligible for the residential clean energy credit?
- Optional costs to sell a house
- 5. Ask for help
- Downsizing to a cheaper car
- Growth stocks vs. dividend stocks
- What part of my income gets taxed by California?
- How do I grow my home's equity?
- How do fleet cards work?
- Why did First Republic Bank fail?
- 6. Consider alternative types of mortgages
- What do the approvals mean for Bitcoin?
- How to find AI ETFs
- Chase Freedom Flex℠
- Ready to get started?
- 6. High-yield checking accounts
- Step 4: Gather loan documents
- 7. Consider usage-based or pay-per-mile insurance
- Examples of other Comenity/Bread-issued store cards
- Which card is right for you?
- 12. Get a personal loan
- Do you tip concierge?
- What’s included on a Carnival cruise?
- Consumer complaints
- 5. Navy Federal Credit Union® More Rewards American Express® Credit Card
- Why some cars cost more to insure
- Consumer experience
- What else you need to know
- 4. Citibank: $1.01 trillion
- Where's my 2024 state tax refund? Track your status
- 10. Digital downloads
- Things to consider
- What's next?
- Emirates Economy vs Emirates Premium Economy: which is a better value?
- 4. Varo: Best for existing bank customers
- EveryDollar, for simple zero-based budgeting
- How much can you borrow with a home equity loan?
- 10. Check your receipts
- If you’re worried about Marriott points expiration
- Can (or should) I consolidate my FFELP loan?
- Travel and shopping protections
- How much should you put down on a house?
- The bottom line
- COVID continues, as does its impact on holiday shopping
- What counts as income when you apply for a credit card?
- U.S. passport agency locations
- How did we determine the value of Alaska miles?
- PayPal
- How are food prices tracked?
- Use a co-signer
- June
- Days in the cycle
- 2024 lifetime gift tax exemption
- Other Star Alliance frequent flyer programs worth considering
- Who should get a home equity loan
- 9. Stay off-property
- Who qualifies for the SAVE plan?
- 4 things to know about Massachusetts state tax
- For the uninsured
- How do you buy 10-year Treasury notes?
- How your car loan can help you build better credit
- Reasons to get a mortgage instead of buying with cash
- Is a Comenity/Bread credit card right for you?
- Is APY variable?
- How to open a CD
- How to look up passport numbers recapped
- 3. Does the fact that it's a Mastercard matter?
- Refinancing a VA home loan
- When undervalued stocks become popular
- Consumer experience
- Medicare Part D (prescription drugs)
- 6. Ignoring VA, USDA and FHA loan programs
- 2024 child tax credit news update
- Alternatives
- 11. Dropshipping
- Next Steps
- When not to use a credit card
- 13. Rent out a room
- Amenities
- How to pay lower taxes when selling stocks
- How do you claim the solar tax credit?
- Is joining the Hertz Gold Plus Rewards loyalty program worth it?
- How are gas prices determined?
- Full list of the best car insurance in Florida
- Medicare vs. Medicaid: Dependent coverage
- How to cancel a Planet Fitness membership
- Signs you don't need a car
- How to get a tax refund sooner
- Am I a resident for California state tax purposes?
- First-time home buyer programs near Texas
- How to get a loan from a credit union
- Earn rewards with Hawaiian Airlines
- How to rebook quickly for a canceled flight
- LLC self-employment taxes
- 11. Use social media
- 7. Determine which warranties are right for you
- CD vs. savings account
- Final thoughts on hotel tipping
- Using a credit card to visit American Airlines Admirals Clubs
- Carnival loyalty program: VIFP
- 3. SEP IRA
- Who should get a HELOC
- Standard deduction for dependents
- Getaround insurance
- Do you pay tax on T-notes?
- Why did Silicon Valley Bank fail?
- Home equity loan requirements
- How to pay estimated taxes
- Navient aims to transfer FFELP loans to MOHELA
- 8. Check insurance costs when buying a car
- How to qualify for an SBA loan
- FamZoo Prepaid Card
- Are interest rates fixed on savings and checking accounts?
- The bottom line
- Become an authorized user
- 5. U.S. Bank: $646.73 billion
- Why do I need a business credit score?
- 12. Natural cleaning and hygiene products
- How to switch plans and keep your number
- 10. Spend on the right credit card
- Where to find the best savings accounts
- How to evaluate dividends
- Who shouldn’t buy non-owner car insurance
- Other considerations to determine your down payment
- Types of VA home loans
- 6. PenFed Pathfinder® Rewards Visa Signature® Card
- How to save on car insurance
- Medigap (Medicare Supplement Insurance)
- 7. Not knowing whether to pay discount points
- July
- Why lenders charge different personal loan rates
- What's next?
- Who pays the gift tax?
- National first-time home buyer loan programs
- Next Steps
- Which type of life insurance should I put in a trust?
- What is the average and median retirement savings?
- What do the approvals mean for other crypto investments?
- Could we be in an AI bubble?
- Cigna Medicare Advantage plan types
- Depreciation examples
- CD vs. bond
- 14. Moonlight as a dog sitter
- Does the solar tax credit work with other incentives?
- Interest-based passive income ideas
- Why you can trust NerdWallet
- Saving on SXSW transportation
- Other home insurance companies to consider
- 13. Consulting
- Budgeting for life on the road
- U.S. Bank Cash+® Visa Signature® Card
- How to apply for the SAVE plan
- 5. Dave: Best for repayment flexibility
- Discover it® Cash Back
- LLC sales taxes
- Step 5: Submit your application and get funded
- Can you get a passport in one day?
- Venmo
- Could I lose my money in a checking or savings account if the bank fails?
- The bottom line
- Are these the best dividend stocks?
- What are the disadvantages of sole proprietorship?
- Cash bonuses on cards with an annual fee
- Do you pay taxes when you receive a gift?
- How do I get my business credit score?
- When can't you take the standard deduction?
- Fleet fuel cards: benefits and drawbacks
- Credit union vs. online lender
- Capital One Venture Rewards Credit Card
- Are home equity loans a good idea?
- 8. Negotiate the best price
- Rover vs. Wag: Which dog-walking app should I choose?
- Is an SBA loan right for me?
- 15. Become a rideshare or delivery driver
- The bottom line
- Cards with primary coverage
- Accept that awkward money scenarios are inevitable
- Why investing is important
- Frequently asked questions about estimated tax payments
- Figuring out how much you need to save
- Types of CD strategies
- 4. Do you still need to carry a Chase travel credit card, too?
- Types of gas
- How many times can you use a VA home loan?
- Enrolling in Medicare
- 8. Emptying your savings
- How to maximize value in Emirates economy class
- Empower Personal Dashboard, for tracking wealth and spending
- How to earn World of Hyatt points
- Last-minute flight deals are out there
- What is a no-credit-check loan?
- How much money can you make on YouTube?
- 16. Cut your insurance premiums
- Home shopping tips
- The bottom line on how to research stocks
- Should I have my checking and savings accounts at the same bank?
- Other home insurance companies to consider
- 7. State Farm® Premier Cash Rewards Visa Signature® Card
- Is Global Entry worth it?
- Consequences of a child tax credit error
- August
- 6. PNC Bank: $551.13 billion
- Is the gift tax deductible?
- 14. Collectible and vintage reselling
- When is the SAVE plan available?
- Turo vs Getaround: which is better?
- Miles expiration policy
- Why did Signature Bank fail?
- What is the highest credit score, and how many people have it?
- Are Cigna HealthSpring and Cigna Medicare the same?
- Don't assume cash is better
- Understanding depreciation in business and accounting
- As a last resort, contact your member of Congress
- How much is my 2023 standard deduction?
- 3. Make the most of your savings
- LLC tax forms and deadlines
- Lounge benefits
- Cards that earn American Express Membership Rewards points
- Who is eligible for both Medicare and Medicaid?
- Greenlight Prepaid Mastercard
- Get credit for the bills you pay
- American Express add-on coverage
- How is your personal loan rate decided?
- How much is the gift tax rate?
- 15. Virtual assistant services
- 6. MoneyLion: Best for existing customers
- The bottom line
- Third-party ratings
- Important considerations when opening a Roth IRA
- 9. Maximize trade-in value, if applicable
- Ways kid creators can earn online
- Walmart2Walmart
- Pros of investing in REIT stocks
- Final thoughts on the different United economy fare classes
- The bottom line
- Using depreciation to plan for future business expenses
- How to start a business in NY: The final word
- More about the card
- What are CD rates right now?
- 17. Consolidate your debt
- How to get a passport in 24 hours
- More reading for active investors
- State child tax credits
- Fuel card vs. business gas credit card
- Next steps
- Is Getaround worth it?
- Never done it before? Here's what to consider
- If you’re dreaming of Hyatt properties in the Caribbean …
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Should you invest in AI stocks?
- PayPal Cashback Mastercard®
- Best of the rest
- 11 ways to prevent identity theft
- After deciding
- 9. Applying for credit before the sale is final
- September
- 16. Coaching or mentoring
- What’s happening with Silvergate Capital Corp.?
- Earn an audience, and earn more in the long run
- Why are California gas prices so high?
- 4. SIMPLE IRA
- 8. Upgrade Triple Cash Rewards Visa®
- Cons of investing in REIT stocks
- Bonuses that vary with spending
- 7. Goldman Sachs: $463.99 billion
- It pays to know
- Cheapest for 30-year-old drivers
- Are dividends taxed?
- Hotel-friendly benefits
- 10. Make the purchase
- Where to buy non-owner car insurance
- 18. Refinance your student loans
- Types of financial planning help
- What is the $500 credit for other dependents (ODC)?
- Common gift tax return triggers
- 2023 vs. 2024 standard deduction
- What happened to Credit Suisse?
- U.S. Bank Cash+® Visa Signature® Card
- LLC tax tips for business owners
- Depreciation and taxes
- What are promotional CD rates?
- Practical matters
- If you visit Washington, D.C., with points and miles
- How full coverage car insurance works
- Practice good credit habits
- California state tax credits
- 7. SoLo Funds: Best for peer-to-peer cash advances
- What is credit card consolidation?
- Next steps
- 19. Change your cell phone plan
- Other types of mortgage loans
- Investing in REITs: How to get started
- Child tax credit vs. child and dependent care credit
- If you stay at a Marriott in the Caribbean
- Other ways to make money
- Walmart MoneyCard
- Western Union
- October
- 8. Truist Bank: $534.93 billion
- When to claim the standard deduction
- FHA vs. conventional loans: Summary
- Other changes to income-driven repayment in the works
- PocketGuard, for a simplified budgeting snapshot
- Tips for making money as a kid
- Avoid risky loans
- Types of FHA loans
- Does your business need a fleet fuel card?
- How does credit card consolidation work?
- How to access the Centurion Lounge at LAX
- Other cards with unique features
- Can you keep your doctor on Medicare?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Cheapest for 30-year-old drivers
- Are other banks are in trouble?
- How much is non-owner car insurance?
- Does the president control gas prices?
- 10. Shopping for a house before a mortgage
- The bottom line on investing for beginners
- Cigna Medicare Advantage service area
- The best Star Alliance airlines to earn miles, recapped
- 8. Klover: Best for no-fee advances
- Practical matters
- Things to consider about loans with no credit check
- Small business card bonuses
- Check your credit scores and reports
- November
- Should I take my money out of the bank?
- Should you buy stocks or bonds?
- What are tax deductions?
- How to find cheap full coverage auto insurance
- What Medicare doesn't cover
- 9. Capital One: $468.23 billion
- Is consolidating credit card debt a good idea?
- Services
- How does the Israel-Hamas war affect gas prices?
- Frequently asked questions
- Bank of America® Premium Rewards® credit card
- More resources
- Zelle:
- Other life insurance options for seniors
- Emirates Airlines economy class: is it worth it?
- 5. Defined benefit plan
- Why is financial planning important?
- Are we in a recession?
- Can I still use my credit card after debt consolidation?
- LAX Centurion Lounge hours
- Home purchasing tips
- 11. Underestimating the costs of homeownership
- Cigna customer service
- Low-fee alternatives to prepaid cards
- Medicare vs. Medicaid
- December
- 10. TD Bank: $366.25 billion
- Pros and cons of loan apps
- Honeydue, for budgeting with a partner
- What is Carnival Cruise Line known for?
- More about buying life insurance as a senior
- How to shop for no-credit-check loans
- The upside down: When debt and equity roles reverse
- FHA loan limits
- How to track your California state refund
- 4. Be persistent
- The bottom line
- Do I need additional travel insurance?
- Centurion Lounge at LAX recapped
- Why you can trust NerdWallet
- Are we headed for a depression?
- Cheapest car insurance by state
- Prime Visa
- What are tax write-offs?
- What to know about the best ways to send money
- Where can I find out more?
- 12. Miscalculating repair and renovation costs
- The bottom line
- Bilt World Elite Mastercard® Credit Card
- No-credit-check loan alternatives
- More about top-rated life insurance companies
- 11. BMO: $260.79 billion
- How to apply for an FHA loan
- California state sales tax
- How to find the best term life insurance company
- Prepaid-like options from fintechs: Apple Cash and Cash App
- Where to open a retirement plan if you’re self-employed
- Budgeting resources from NerdWallet
- How to make money from home
- How do you claim tax deductions?
- 10 ways identity theft happens
- 12. Citizens Bank: $224.96 billion
- 5 things to know about California state tax
- Cards with travel insurance, recapped
- Pros and cons of FHA loans
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- Methodology to identify the best budget apps
- Other notable options
- Access to unique experiences
- 13. First Citizens Bank: $213.59 billion
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Cheapest for 40-year-old drivers
- Best prepaid debit cards: Summary of fees and ATMs
- Target Circle™ Credit Card
- Pros and cons of starting a vending machine business
- More about term life insurance
- Ways to get the best FHA mortgage rates
- What are prepaid debit cards?
- Alternatives to cash advance apps
- Major issuers and their policies on instant credit access
- Other ways to earn American Express Membership Rewards points
- 14. Fifth Third Bank: $211.98 billion
- Cheapest for 40-year-old drivers
- More about top-rated life insurance companies
- Prepaid debit cards vs. regular debit cards
- Convenient features
- How to make money offline
- The fine print
- Frequently asked questions about prepaid cards
- 15. M&T Bank: $208.61 billion
- 16. Huntington National Bank: $186.36 billion
- Capital One® Walmart Rewards™ Mastercard®
- Cash advance app star rating methodology
- Other ways to save money
- How to choose a startup idea
- 17. Ally Bank: $185.72 billion
- Full list of the best car insurance companies
- EXCELLENT GENERAL-PURPOSE CARDS FOR SHOPPING
- Protections
- Retail and travel
- Best car insurance companies by state
- PlayStation Visa Credit Card
- 18. KeyBank: $185.57 billion
- How to report identity theft
- How to start a profitable business
- 19. American Express National Bank: $174.80 billion
- How to find the best car insurance
- Cheapest for 50-year-old drivers
- What happens when you report identity theft?
- 20. HSBC Bank USA: $161.30 billion
- Cheapest for 50-year-old drivers
- What is the best identity theft protection service?
- Emergency services: Assistance 24 hours a day
- Best Buy credit cards
- More about the card
- Xbox Mastercard
- Cheapest for 60-year-old drivers
- Watch out for making money scams
- Cheapest for 60-year-old drivers
- Cheapest for 70-year-old drivers
- Cheapest for 70-year-old drivers
- How to get cheap car insurance in Florida
- Minimum car insurance requirements in Florida
- Cheapest car insurance for military families
- How to get cheap car insurance in California
- No-fault insurance in Florida
- Minimum auto insurance requirements in California
- Why you can trust NerdWallet
- Alternative car insurance in California
- How AAA car insurance works in California
January
With a fresh page on the calendar comes a fresh start for sales. These items are discounted in January:
Bedding and linen. Department stores hold bedding and linen “white sales” in January with deep discounts on sheets and towels.
Fitness equipment. Retailers will meet goals to get in shape with decent deals. Expect workout gear and apparel sales to abound at sporting goods stores. (Tip: Tread lightly on a treadmill purchase unless you're sure you’ll use it. It’ll always be cheaper to walk around the block.)
TVs and electronics. Just before the Super Bowl, retailers normally discount TVs and other home theater essentials.
Mark your calendar: Martin Luther King Jr. Day is Jan. 15.
Freebie day: National Spaghetti Day is Jan. 4.
February
It’s the month of love and gift-giving, but February might be a better time to buy major items for yourself than trinkets for your loved one. Options include:
TVs. Television sales spill over from January into February ahead of the Super Bowl. Aside from Black Friday, this is one of the best times to buy a TV.
Winter items. With winter winding down, retailers will be looking to unload inventory of cold-weather products. Look for sales on apparel and winter sports gear that you'll need later in the year.
Home goods. Expect retailers to put home stuff on sale for Presidents Day and the weekend preceding the holiday.
Leftover chocolate. The savvy couple does Valentine’s Day a week late to save a buck. Grab a heart-shaped box of candy on Feb. 15, when stores will be discounting their Valentine’s Day leftovers. It’ll be easier to get a dinner reservation after Feb. 14 too.
Mark your calendar: Super Bowl Sunday is Feb. 11, Valentine's Day is Feb. 14 and Presidents Day is Feb. 19.
Freebie day: National Frozen Yogurt Day is Feb. 6.
March
There aren’t any major shopping holidays in March, but that doesn’t make for a total lack of sales. Look for deals on these products:
Tax software. Retailers like to discount tax software in March, ahead of Tax Day in April.
Grills. Buy your summer grilling necessities now to avoid a spike in prices when summer arrives.
St. Patrick’s Day essentials. Around St. Patrick’s Day, online retailers and department stores usually discount green clothing, party supplies and jewelry.
Vacuum cleaners: Some retailers will be ready to reward early spring cleaners with a deal on a Dyson, Shark or other brand of vacuum.
Mark your calendar: St. Patrick’s Day is March 17 and Easter Sunday is March 31.
Freebie day: Pi Day is March 14, because 3.14 (get it?).
April
April has its fair share of spring deals and discounts, including:
Vacuums. April is the real cleaning month and will bring more deals on vacuums. Look for markdowns at department stores as well as on manufacturers’ websites.
Tax-themed items. Year after year, retailers and restaurants try to lighten the burden of Tax Day with discounts and freebies on services like paper shredding. Keep an eye out for these around mid-April.
Beauty products. Time to get outside and look your best. The Sephora spring sale is usually this month.
Sustainable items. To celebrate Earth Day, be on the lookout for retailer deals on sustainable items, such as reusable totes and water bottles, sustainably made clothing and other “green” products. Is this the year you start composting? We support that.
Mark your calendar: Tax Day is April 15.
Freebie day: Earth Day is April 22.
May
April discounts give way to more in May. Here’s a look at some items to consider buying this month:
Spring apparel. By May, retailers will discount spring clothing that has already been hanging on racks for a month or two.
Furniture. Three of the biggest blowout shopping days are Black Friday, Labor Day and Memorial Day. Memorial Day is in May, so look for furniture and home decor discounts from big-box stores.
Small kitchen appliances. Use May discounts as an opportunity to buy small kitchen appliances, such as coffee makers and blenders. Typically, these products are included in Memorial Day sales, and they make great gifts for upcoming summer weddings.
If last year’s shopping research is any indication, prices on select kitchen gadgets could drop the Friday before Mother’s Day.
Mark your calendar: Mother’s Day is May 12 and Memorial Day is May 27.
Freebie day: National Hamburger Day is May 28.
June
June is short on days, but long on the list of deals. Smart purchases include:
Lingerie. Stock up on undergarments in June. That’s when Victoria’s Secret, for example, has been known to host its famous semiannual sale. The sale also typically occurs in December.
Other semiannual sales. The midway point is known for sales at lots of stores. In past years, we’ve seen stores like Bath & Body Works and Brooks Brothers hold semiannual sales in June.
Gym memberships. Consider buying a gym membership during the summer, and be sure to negotiate for the best deal. Gyms may be eager for sign-ups when people are more likely to spend time outside.
Tools and other dad gifts. In preparation for Father’s Day, many retailers will offer deals on a variety of power tools and outdoor gear, as well as things like men’s clothing. Solo Stove has discounted its portable fire pits around this time in the past.
Mark your calendar: Father’s Day is June 16.
Freebie day: National Doughnut Day is June 7.
July
In July, prices drop like it’s hot. Consider buying these:
Summer apparel. The sun is still out, but demand for summer clothes starts to go down. So, buy up shorts, tanks and flip-flops while stores make it worth it. Buy only what’s on sale, though.
July Fourth items. Retailers like a reason to celebrate. In the days leading up to Independence Day, there’s usually an abundance of sales on red, white and blue products, as well as on barbecue and backyard items, sporting goods, jewelry and furniture.
Personal electronics on Prime Day. Amazon’s Prime Day happened on July 11 and 12 in 2023, so you can likely expect similar timing in 2024. It’s basically Black Friday in July, and it’s a hot sale for electronics and gadgets, among other categories. It also drives other retailers to compete with copycat sales.
School supplies. Kids won't want to think about the end of summer yet, but retailers start putting school supplies on sale in late July. If you have supply lists in hand, shopping back-to-school early can help you avoid the August rush.
Mark your calendar: Independence Day is July 4.
Freebie day: National Ice Cream Day is July 21 and National Lipstick Day is July 29.
August
Close out summer by buying summer products? That’s right. Look for end-of-season clearance sales in August on:
Back-to-school supplies. The start of school marks the need to buy low-cost items such as notebooks and pencils and more expensive ones like calculators and laptops. Generally, the closer to the start of the school year you buy, the better your chances of getting a good price.
Backyard products. Ride out the end of summer with a big deal on lawn mowers and other seasonal outdoor equipment, like a grill.
Swimsuits. There may not be many swimming days left by the time August rolls around, but that’s exactly why swimsuit clearance sales will crest. Buy swimsuits now for next year.
Tax-free shopping. Back-to-school can be expensive. However, to aid in the purchase of school supplies, clothes, personal computers and other approved necessities, many states offer a tax-free weekend. If yours does, check the date and have your list ready.
Mark your calendar: For many school districts, the first day of school is in August.
Freebie day: National Waffle Day is Aug. 24.
September
With deals on items as varied as mattresses and pool toys, September is a surprising month for good buys. Score reasonable prices on these:
Mattresses. Year after year, September is a good time for mattress sales. Expect deals from department stores and mattress centers, usually as a part of Labor Day promotions.
iPhones. Apple often announces its latest iPhone lineup and other products in September. The unveiling is usually followed by a drop in prices on the models that have been around awhile. Check out used iPhones around this time too.
Appliances. Expect a series of blowout deals in the week leading up to Labor Day, including promotions on appliances big and small.
Mark your calendar: Labor Day is Sept. 2.
Freebie day: National Cheeseburger Day is Sept. 18.
October
Retailers won't ghost you in October. There will be plenty of deals on these product categories:
Outdoor furniture. Expect deals on patio furniture and outdoor living products when the weather turns cool.
Jeans. Fall inventory arrives in stores in August and September, but you’ll pay top dollar unless you wait a few weeks. October is a great time to buy a new pair of jeans.
Candy. The closer you get to Halloween, the better your chances of snagging a discounted bag of candy for trick-or-treaters.
Holiday gifts. Amazon has held a Prime Day-like shopping event in October for the past two years. The multi-day event sparked similarly-timed sales from retailers like Target, Walmart and Best Buy and featured deals that rival Black Friday and Cyber Monday. These events have made early October a top time to buy gifts or things you need for yourself.
Mark your calendar: Columbus Day and Indigenous Peoples Day are Oct. 14 and Halloween is Oct. 31.
Freebie day: National Taco Day is Oct. 4 and National Dessert Day is Oct. 14.
November
November is the real month for Black Friday sales, which means some of the most popular technology products fall to their lowest prices. Expect most retailers to offer some kind of deal on products in nearly every category — not just on Black Friday, but throughout the month.
Electronics. Gadgets like TVs, tablets and laptops take center stage during Black Friday sales. Look for discounts on headphones, smart speakers and activity trackers, too.
Clothing. November has to be the busiest month for clothing catalogs. Scan the brands you like for discounts, and shop stores like Gap, Land’s End and American Eagle directly online for surprise coupon codes.
Streaming subscriptions: As if you need another password to remember, November has become a great time to sign up for a new streaming service. Popular content providers like Hulu and Paramount+ have offered solid subscription discounts during extended Black Friday sales in the past.
Mark your calendar: Thanksgiving is Nov. 28 and Black Friday is Nov. 29.
Freebie day: National Sandwich Day is Nov. 3.
December
The end of the year is just the beginning of discounts in some product categories. Look for sale prices on these items in December:
Electronics. Those Black Friday electronics deals from late November will spill over into the new month.
Small kitchen appliances. Cyber Monday 2024 falls on Dec. 2, and it’ll likely be a great time to get an air fryer. NerdWallet monitored prices on 10 popular products during every major sale of 2023. Each of the three kitchen gadgets on our list — an air fryer, stand mixer and coffee machine — hit low prices on Cyber Monday.
Toys. Toys are popular holiday gifts, and stores generally drop prices as the season draws to a close. Look on Black Friday but buy in December.
Christmas decorations. Beginning the day after Christmas, shop sales for deep discounts — often upward of 50% — on decorations, wrapping paper, ornaments, artificial trees and similar seasonal fixings.
Mark your calendar: Christmas is Dec. 25. Hanukkah starts Dec. 7.
Freebie day: National Cookie Day is Dec. 4.