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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- JetBlue Mastercard
- Which companies allow you to rent a car with a debit card?
- How much does it cost to book a room with Choice points?
- Inheritance taxes vs. estate taxes
- Dividend vs. growth stocks
- Vehicle requirements for refinancing an auto loan
- When are state income tax returns due?
- Xoom transfer methods and options
- 3. High-yield money market accounts (MMAs)
- 3. Be prepared to lose your rewards
- Don’t miss the deadline
- What is a Bitcoin strategy ETF?
- See CD rates by bank
- Credit cards
- Savings calculator
- Top-rated Medicare Advantage plans in Texas
- 2. Cash-back rewards are paid out daily
- How a UCC filing impacts your business
- 2. Afterpay
- How to set up bill pay
- Basic stock chart terms to know
- About home equity loans
- Employer identification numbers
- 3. Keep down payment savings in the right account
- Boosting your benefits with your tax bill
- Where Citizens falls short
- When to choose a savings account instead
- Another money-change option: online currency converters
- Co-signer vs. joint account
- 2023 Section 179 deduction limit
- Primerica customer complaints and satisfaction
- Option 1: Take over the business.
- Credit union vs. bank: What to consider when choosing
- Western Union transfer methods and options
- Are Vanguard index funds a good investment?
- Joann
- Requirements: Who qualifies for the child tax credit?
- FHA refinance options
- Which transactions are locked?
- Chase Sapphire Preferred® Card vs. Discover it® Miles: Additional benefits
- How to get car insurance quotes
- Best burial life insurance policies for 2024
- How to fill out a 1040 form
- How we chose the cheapest companies in California
- What is the welcome offer?
- The cost of passport changes
- What if I want to go back to school with a defaulted private loan?
- Wise transfer methods and options
- For the home decorator: the IKEA Visa® Credit Card
- Why are gas prices going up?
- Passive investing tends to perform better
- How to get a DUNS number
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- Are there income limits for 401(k)s?
- Estimated tax payments 2024
- Use a car finder tool
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- What is an index?
- Goodwill letter template
- You can’t correct submitted FAFSAs yet
- What mortgage can I afford?
- Limitations of smart contracts
- 5. Seek community loans and assistance
- Medicare Part A (hospital insurance)
- 3. Move your automatic payments to a different card
- 5. The payment amount
- IRS Form 3800 instructions: A step-by-step guide
- Harvest tax gains
- Learn more
- 3. Determine other ownership costs
- March
- Your credit card offers a built-in path to a higher credit limit
- What are AI stocks?
- Drawbacks of a used EV as a first car
- How much are Chase Ultimate Rewards® points worth?
- How to find the best stocks to buy now
- Amazon Rewards Visa Signature Card
- 3. A character meal
- Conventional loan down payment requirements
- Do I have to do anything?
- 3. Rewards on purchases
- 5. Dash cam
- If you need student loan help
- B
- The smart way to service your car
- Top rental increases and decreases in the U.S.
- A flat-rate cash-back card
- Negotiations would be more complex
- Lincoln Financial life insurance rates
- Do all workers earn at least the minimum wage?
- Stock trading information
- An easier approach: ESG funds
- 4. There are no rewards or other benefits
- 3. … and it can also be a low-interest card
- The bear put spread
- Choosing the best asset allocation
- 3. Save for an emergency
- The pros and cons of investing in tech stocks
- Breaking down the cost to paint a house
- When not to choose a multicurrency account
- What is a flexible spending account (FSA)?
- How Net 30 shows up in reporting
- Transportation
- The benefits of choosing term life insurance instead
- Can you leave luggage at a short-term vacation rental before check-in or after checkout?
- Best car insurance in New Jersey for your budget: Geico
- Utility stock cons
- Top car-buying apps
- Go on savings cruise control
- What did consumers spend money on in Q1 2024?
- Are brokerage fees tax-deductible?
- Types of credit
- Good balance transfer cards
- Should I put car or student loan payments on a credit card?
- What travel rewards could you earn?
- 4. Get down payment assistance for a home
- Get a secured credit card
- 4. Load cash on a reloadable prepaid debit card
- How to calculate your home office tax deduction
- Treasury bill rates compared to other Treasury securities
- 401(k)s and other employer-sponsored retirement plans
- How long you have the loan matters
- 3. Your credit history is insufficient
- Frugal entertainment tips
- Cost of getting a loan on your credit card
- When to consider bank CDs over brokered CDs
- Backdoor Roth IRA rules
- Retirement savings by age
- 2. Empower: Best for fast cash
- How to calculate your net worth
- Best car insurance companies: Our winners
- 4. Neither card offers perks
- Do personal credit scores affect business credit scores?
- What Medigap Plan G covers
- 3. There’s an annual fee
- OFX
- How to become a virtual assistant
- 3. Baggage screening
- How to get a refund on Southwest Airlines
- 5 ways to make money on Instagram
- When is the best time to use American miles?
- How much does a cashier’s check cost?
- Other factors that affect what you'll pay each month
- Pacific Life insurance rates
- 4 more ways to estimate how much life insurance you need
- When to use a credit card
- 2024 tax refund schedule
- How to apply for an employer identification number
- 3. You can earn cash back, but with caveats
- Standard deduction
- How to buy a life insurance policy
- All year
- 2. Buy the right insurance coverage
- How to cut your Hawaii vacation costs
- 2. Airport lounge access
- A variety of redemption options
- Follow-up email template
- How much does a Chick-fil-A franchise cost?
- Average daily balance
- What items can be deducted on Schedule A?
- Budgeting for both needs and wants
- Can you transfer Alaska miles to American?
- Best term life insurance policies for 2024
- 6. Ask for forbearance on bills
- The worst they can say is no. Shouldn’t I try?
- Cash-back refinancing pros and cons
- 6. Memo line
- Best car insurance companies: Our winners
- 4. Prioritize authenticity
- How a savings account works: withdrawal limits
- How a car loan LTV can surpass 100%
- Average interest checking account rate: 0.08%
- How are dividends paid out?
- Will food prices go down in 2024?
- 4. Think about ways to come up with the cash to get current
- Cheap financial advice
- Top 8 Bitcoin strategy ETFs by fee
- Being put in a database due to a bounced check
- How to choose and manage a credit-builder loan
- How does a Roth IRA work?
- How to start a TikTok Shop as a seller
- What is the fee for Global Entry?
- When a home equity loan is best
- How does a life insurance trust work?
- FHA loan requirements
- California income tax deadlines and extensions
- 6. Tunes, directions and apps
- State availability
- Who benefits from becoming an authorized user?
- 2024 Section 179 deduction limit
- Purchase protection
- Where Primerica stands out
- What happens when the Fed raises interest rates?
- Do I have to pay state tax on lottery winnings?
- How to claim the child tax credit
- Bottom line: Choosing the best card for you
- Other benefits of the AmEx Delta Reserve credit card
- Buying a FSBO home on your own
- New job out of school
- Minimize interest rate risk by diversifying
- What does a business owner’s policy cover?
- State Farm home insurance coverage
- Price vs. yield
- Ensuring spectacular coastal views
- The bottom line
- How to earn Marriott elite night credits
- Are Treasury bonds a good investment?
- I bonds calculator
- How much do Uber drivers make?
- What is the Navient lawsuit?
- DUNS number vs. EIN: What’s the difference?
- What is the difference between income tax and wealth tax?
- Who should make estimated quarterly tax payments?
- Other options for building credit
- Where to avoid cashing a check
- Amica home insurance coverage
- What happens if Chevron is overturned?
- Decide if HOA fees are affordable and worthwhile for you
- Goodwill letter vs. credit dispute letter
- Investment fee calculator
- 1. Derogatory mark: Missed payments
- Determine the value of your Choice points
- How often you travel
- What can I use a home equity loan for?
- Best homeowners insurance in Nebraska for coverage: State Farm
- FDIC insurance: What’s covered
- What to know if you take online surveys
- Our pairing for: Frequent travelers
- Types of state income tax
- How to unfreeze your credit
- When is the FAFSA corrections deadline?
- How to prioritize goals
- DCU Visa® Platinum Secured Credit Card
- Startup business grants from private companies and nonprofits
- Redeeming Chase Ultimate Rewards points
- How to reach Edfinancial customer service
- Who can open a joint business account
- Burn rate example
- Borrow for the right reasons
- Be firm on your needs, flexible on the rest
- Most are stressed about finances
- Where to exchange currency outside the U.S.
- Emirates' 24-hour cancellation policy
- A great travel credit card
- General advice for international money transfers
- How much does it cost to buy Vanguard index fund shares?
- What a good credit score can get you
- Input new refinanced car loan information
- Liability car insurance limits
- What to expect from future hotel stays
- Maximize your savings
- How do I check my tax return status?
- Determining the best banks for small business in Colorado
- How do GameFi companies make money?
- Getting an expedited passport
- 4. Invest in your ability to generate more income
- Small-business lending statistics
- Do mortgage rates follow Fed rates?
- Is the higher annual fee worth it?
- Mishandled luggage
- Standard deduction 2023
- How Medicare and Social Security work together
- Passive investing tends to be cheaper
- Who is eligible for a traditional IRA?
- What to do with luggage before checking into a hotel
- Age is only the beginning
- AmEx welcome bonus rules, recapped
- Test driving: The feel of the wheel
- 7. Request a payroll advance
- What are the credit score ranges?
- Medicare Part B (medical insurance)
- Gift tax limit 2024
- 4. Pay the card in full
- Available riders and add-ons
- 7. Bank name
- 4. Find the right car for you
- Best life insurance company overall: MassMutual
- 4. Peer-to-peer lending
- Where to find credit-builder loans
- Goodbudget, for hands-on envelope budgeting
- Why is net worth important?
- 1. High-yield savings accounts
- Why is food so expensive?
- What Medigap Plan G doesn’t cover
- Full coverage is (usually) a smart choice
- Conventional loan limits
- 4. Merchant-specific discounts
- 7. Massaging and heated seats
- New York state supplemental income tax
- Rental car insurance vs. your own auto insurance
- Tips for secondhand gifting
- If you can't get your own credit card
- States with no sales tax
- U.S. Bank Cash+® Visa Signature® Card
- Not just 2 refinances — 4
- Yes, you can skip seat selection
- Lincoln Financial customer complaints and satisfaction
- Which issuers offer credit card locks?
- How to get an SBA loan for your franchise
- Cheap car insurance in California by age
- 3. Don’t ask for too much cash
- The four options market participants and their incentives
- 4. You can walk your dog
- Exceptions to state minimum car insurance requirements
- Explore other ways to make money
- Is Net 30 right for your business?
- Food
- The point is for your policy not to pay out
- How to invest in commodities
- Can I have a 401(k) and an IRA?
- Bag your first win
- Best way to avoid fees: Get a checking account
- Example of an appraisal gap
- Bank of America routing numbers
- Are Treasury bills a good investment?
- 4. You’re too young
- How to make the money work
- Your bank may close your account after a bounced check
- Default picture improving, but not for all
- How to budget and save
- How to renew a passport with USPS
- Airline loyalty programs
- When to estimate closing costs
- An alternative to chasing the best stocks
- 4. Get statement credits toward an Apple Watch
- More advanced stock chart terms
- About home equity lines of credit
- 4. Resist dipping into your other savings
- Credit cards help you track spending
- Citizens home insurance coverage
- How to sign a check over to someone else
- ‘Hummer tax deduction’: Which vehicles does Section 179 cover?
- How to cancel an Emirates flight
- Buy a standard policy and cancel it early
- Where Primerica falls short
- What it means for buyers and sellers this spring
- Kirkland’s
- How to prepare for dealer fees
- Pacific Life customer complaints and satisfaction
- 5. Pre-qualify without affecting your credit score
- 4. Your account is available immediately upon approval
- What do I need to fill out Form 1040?
- Common customer service topics
- How much is car insurance in my state?
- 5. Invest for retirement
- Which life insurance policy is right for me?
- How much should you pay yourself?
- Benefits of multicurrency accounts at fintechs
- What are PayPal fees?
- Cell phone protection, plus other perks
- Possible downsides to DOT airline compensation
- For the pet parent: Petco Pay credit card
- Treasury bond and note calculator
- How to maximize earnings as an Uber driver
- Remember your CD’s maturity date
- How to get a home equity loan
- Consider the resale and inheritance implications
- How much do index funds cost?
- Tips for avoiding late payments
- 5. Find tax credits for health insurance
- Qualifying surviving spouse
- Business insurance quotes through Simply Business
- How to find another company's EIN
- 8-9. Routing and account number
- Good or bad for consumers?
- Monitor mutual fund distributions
- The challenges after buying a high-LTV car
- National grant programs open to California businesses
- States that have estate taxes, inheritance taxes or both:
- 6 types of dividends
- April
- Frugal DIY project tips
- You’ve reported an increase in income
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- E
- How does a HELOC work?
- Private student loan limits
- What is a good business credit score?
- What if you’re unhappy with your massage?
- How to get Global Entry through travel cards
- 3. Apple Pay Later
- 4. Ordering food
- 2. Solo 401(k)
- Factors to consider before paying rent with a credit card
- C
- How fast does an authorized user build credit?
- Why the Roth IRA works for many savers
- Can you deduct sales tax?
- Popular and new tax credits for 2023 (taxes filed in 2024)
- Bull markets vs. bear markets
- Save money as a travel agent
- Self-employment
- Why haven't I received my tax refund?
- Buying call options vs. buying put options
- How much should you spend on a mattress?
- Choose your payment method
- What state has the highest gas prices?
- How do HSA and FSA contributions work?
- Credit cards young adults could apply for
- What is my net worth?
- Flying into the unknown
- Airlines
- Review your research and make a decision
- JetBlue’s footprint in Puerto Rico
- How did personal income change in Q1 2024?
- More about these investment expenses
- Learn how to write a smart contract
- 8. Take a loan from your retirement account
- What's next?
- 5. Redeem your rewards
- Home equity loan rates in 2023
- CD vs. high-yield savings account: At a glance
- Simplified version vs. actual expense deduction
- FDIC insurance: What’s not covered
- Tips for one day at Walt Disney World
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- 5. Make a plan to deal with the aftermath
- The Bitcoin ETF price war
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- Why you might want a joint credit card account
- 2. Choose how you'll pay
- Prosper Card
- 5. There are no other Merrick Bank credit cards to graduate to
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- Types of UCC filings
- Do I have to pay California state tax?
- Why is the IDR account adjustment happening?
- 5. Benefits
- Establish credit before you're desperate
- What you can do
- How has the value changed over time?
- What if I lose the cashier's check?
- For Medicaid beneficiaries
- USDA mortgage monthly payment 101
- More about Lincoln life insurance
- 5 steps to applying for a mortgage
- Ways to reduce credit card interest
- Using card lock strategically
- Cheapest for 20-year-old drivers
- 4. Beware of the sky-high interest rate
- What else will change for tax year 2024?
- How many banks have collapsed?
- 3. Inadequate rewards earning potential
- Standard deduction 2024 (taxes filed 2025)
- How to open a Chick-fil-A franchise in 4 steps
- Best car insurance in New Jersey for customer satisfaction: NJM
- Look for ways to level up
- Why you might prefer the The Platinum Card® from American Express
- Mixed-status families still face FAFSA glitches
- Bank of America® Customized Cash Rewards credit card
- 6. Apply for college grants
- Gift tax limit 2023
- John Hancock life insurance rates
- Long-term investment vs. short-term investment examples
- Using the Loan Estimate to compare mortgage offers
- Partial payment credit is possible after April 30
- Alternatives to getting a loan on your credit card
- What to do if you bounce a check
- How to update tax information on the FAFSA
- How to increase your net worth
- Where to save
- Inflation example
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- 5. You can’t track fitness activity manually
- Another good time to buy appliances: After a new release
- Discounts
- Other ways to build credit
- How to use the car lease calculator's results
- More about Primerica
- How does the Fed raise interest rates?
- Savvy customers cut their costs
- Great rewards for average credit
- Should I take a lump sum payment or annuity payments?
- Making your choice between a credit union and a bank
- Additional child tax credit
- More about Pacific Life insurance
- What states are increasing minimum wages in 2024?
- Reviewing the results
- 5. It’s one of several ways you can pay for medical expenses
- The annual fee is worth it if:
- Possible scams
- Here comes the sun
- Why Treasury bonds are important
- Flight diversions
- Tips for saving on house-painting costs
- A larger push for customer service
- Optional coverages
- How to buy utility stocks
- What happens if I exceed my 401(k) limit by mistake?
- Schedule A tips and tricks for itemizing
- PayPal cryptocurrency fees
- What happens next?
- Arrange to finance the purchase
- Diversifying with index funds
- 9. Borrow against life insurance
- 2. Derogatory mark: Account charge-off
- Other travel-friendly options
- New York Life customer complaints and satisfaction
- Give away appreciated assets
- How much to keep in your savings account
- 5. Contact the seller or visit a dealership
- Watch out for capital gains taxes
- Credit requirements for refinancing an auto loan
- 5. You lack sufficient income
- 5. Online savings accounts
- Get more help with monthly budget planning
- Additional functionality
- Other key findings
- W-4 form 2024
- F
- 3. EarnIn: Best for large advances
- How much does Medigap Plan G cost?
- What can you invest in with a Roth IRA?
- Third-party ratings
- Reasons to get a personal loan vs. home equity loan
- Types of life insurance trusts
- Find your conventional loan limit
- 5. Get help with saving for a down payment
- Embrace: Best pet insurance for many ways to save
- Where to avoid exchanging currency
- Rent vs. inflation
- What affects your credit score?
- Retirement
- The long straddle
- Interest rate risk vs. credit risk — what's the difference?
- 6. Save for your child’s education
- Why is the 10-year Treasury yield important?
- Venmo Credit Card
- Mattress-buying tips
- Mistakes to avoid while paying yourself
- 5. You may score a free massage
- Is United’s basic economy worth it?
- Other considerations for nonrefundable airfares
- Step 3: Choose your lender and loan
- Discounts
- How did GDP in 2023 compare to recent years?
- How to build your credit
- Get a credit-builder product or a secured loan
- Best homeowners insurance in Nebraska for consumer experience: Nationwide and American Family
- How to open a savings account or CD
- What causes Treasury bill rates to fall?
- Do spot Bitcoin ETFs have custodianship risk?
- How to invest in AI stocks
- What do closing costs include?
- Optional coverage types may be worth it
- Xoom
- What will count toward IDR forgiveness?
- E
- Don’t let negative emotions get the upper hand
- How flexible are American miles?
- How to cancel an Emirates Skywards award flight
- Return protection
- If you really want a store card
- Download Form 1040
- How personal loans and credit cards are similar
- Where to find FSBO homes
- 5. A checking account is required
- 4. Consider a co-signer
- Using a passport agency for urgent travel
- Money market mutual funds vs. money market accounts
- What else to know
- For the human parent: The Children’s Place credit card
- Treasury bills calculator
- Explore other ways to make money on the road
- For passive investing to work, you have to stay invested
- Debt
- Interest rate
- Are home equity loans a good idea?
- 10. Use a credit card cash advance
- Chase routing numbers
- The bottom line
- Medicare Advantage (Medicare Part C)
- How the lifetime gift tax exclusion works
- National grant programs available to Ohio small businesses
- 6. Check the account periodically for trailing refunds
- John Hancock complaints and customer satisfaction
- Earn points while traveling
- What to know about loan-to-value when refinancing
- How to check that all money in your accounts is insured
- 5 types of employer-sponsored retirement plans
- May
- Best life insurance company for applicants with HIV: Guardian
- Other options for building credit
- Some alternatives to joint credit card accounts
- Is a backdoor Roth IRA worth it?
- Expedited passport services
- Managing expectations
- Consider the costs of cashing out your 401(k)
- 5. Customs
- Individual taxpayer identification number
- Consumer complaints
- When are New York state income taxes due?
- Skip currency exchange: Use a credit or debit card
- Does Section 179 cover real estate?
- Which airlines charge the most?
- Moving forward
- How much liability coverage you need
- How do I get a copy of my actual tax return?
- Estimate your 2024 IRS tax refund date
- How to invest in tech stocks
- Federal funds rate and HELOCs
- Texas city-specific business grants
- More about the card
- What state has the lowest gas prices?
- Should I contribute to a traditional IRA if I can’t deduct it?
- Grace periods at some banks
- How to calculate quarterly estimated taxes
- Advanced points hack: Earn Alaska and American miles elsewhere
- Plan ahead — demand is high
- Appraisal gap coverage limits your exposure
- Should I do a balance transfer?
- Ways to get the best home equity loan rates
- What are fleet cards?
- Average certificate of deposit rate: 1.81% for one-year CDs
- Our pairing for: Families
- Frugal home expenses tips
- It may help the card issuer with retention
- Know the implications of consolidation
- What if my financial situation changed after I filed the FAFSA?
- How to apply online for Global Entry
- 3 appliance-buying tips
- How to save money every month
- LLC payroll taxes
- What is California's standard deduction?
- Alternatives to writing a check
- Who collects sales tax?
- Buy non-owner car insurance
- Blue Cash Preferred® Card from American Express
- What is the Federal Reserve Board?
- What's next?
- Credit union vs. bank: Frequently asked questions
- Stock market crash vs. correction
- The AmEx Delta Reserve credit card is worth it for frequent Delta flyers
- Compare lenders
- What’s not covered
- State Farm home insurance rates
- How much life insurance should I buy?
- Get organized for the next cycle
- Other performance metrics
- Standard deduction for those 65 or older
- How do I access the money in my FSA or HSA account?
- Holding crypto on PayPal
- 11. Look for a payday alternative loan
- Watch out for scams
- Married filing jointly
- 3. Get disability and life insurance
- What's next?
- More about New York Life
- How to change or cancel an EIN
- 10. Signature
- Alternatives to savings accounts
- The most popular surveys for cash apps
- 3 ways to avoid inheritance tax
- 6. You have too many recent hard inquiries or new accounts
- How to freeze your child’s credit
- Should you use a personal loan to build credit?
- 20 business types* with the highest SBA loan 10-year default rate (2006-2015)
- How to find the 2024 W-4
- G
- 2. Certificates of deposit
- National grants available to Florida small businesses
- What if you can’t afford to tip?
- Are Roth IRAs insured?
- How to complain about Edfinancial
- Medicare resources in Texas
- Where to find virtual assistant jobs
- Southwest's cancellation policy
- Burn rate and cash runway
- Do I have to pay New York state income tax?
- Cashier’s check vs. certified check vs. money order
- Other Roth IRA rules
- Credit union personal loan rates
- How do I deal with lottery taxes?
- When to expect your child tax credit refund
- Minimum wage increases
- How to get a good credit score
- Save for nonemergencies
- Before house hunting, get preapproved for a mortgage
- Are 10-year Treasury notes a good investment?
- Crypto vs. stocks
- 4. Access to a dedicated concierge
- Best car insurance in New Jersey for ease of use: State Farm
- Energy ETFs: An easier way to invest
- Quick start guide: How to invest in index funds
- Students and parents: Here’s what you can do
- 3. Derogatory mark: Repossession
- More about John Hancock
- Invest in distressed communities
- What happens when a bank fails
- 6. Inspect and test-drive the car, if applicable
- IRAs
- When to get a CD
- Compare at a glance: brokered vs. bank CDs
- 20 business types* with the lowest SBA loan 10-year default rate (2006-2015)
- 3. Store your cryptocurrency
- No-closing-cost mortgages
- 4. Klarna
- More U.S. passport photo requirements
- How to give two weeks’ notice
- Credit cards help build credit
- Consumer experience
- Other tips for paying taxes on credit cards
- F
- Is my business required to collect sales tax?
- Which Form 1040 schedules should I use?
- Debt financing options for small businesses
- Are there other ways to get tax records?
- What does a business owner's policy not cover?
- How to get started
- Writing call options vs. writing put options
- Small-business diversity statistics
- How to choose a money market fund
- How to buy Treasury bonds
- How secure is PayPal?
- Why you may not be getting a response after an interview
- What if I don't use all the money?
- Be prepared for your CD’s maturity
- Rental cars
- Consumer complaints
- Wells Fargo routing numbers
- Next Steps:
- How do fleet cards work?
- 2023 state income tax rates and brackets
- 6. High-yield checking accounts
- What do the approvals mean for Bitcoin?
- Chase Freedom Flex℠
- What businesses attract the most SBA loans?
- How to find AI ETFs
- Track your USPS renewal passport process
- How to remove a UCC filing
- What part of my income gets taxed by California?
- Set and stick to a repayment plan
- Stick to your price range and priorities
- How did we determine the value of American miles?
- What if you don’t qualify for Section 179?
- Option 2: Bring a business partner on board.
- What is the median household income in the U.S.?
- Prudent Pet coverage options
- Costs of using a passport courier
- Why did First Republic Bank fail?
- What else you need to know
- Examples of other Comenity/Bread-issued store cards
- Tips to find cheap flights any day of the week
- Step 4: Gather loan documents
- How do I grow my home's equity?
- 12. Get a personal loan
- What factors impact your credit scores?
- How much can you borrow with a home equity loan?
- Don’t pay for advance seat selection
- Our pairing for: Everyday purchases
- How are food prices tracked?
- Is a credit-builder loan good for my situation?
- EveryDollar, for simple zero-based budgeting
- H
- 4. Varo: Best for existing bank customers
- HELOC requirements
- What is hyperinflation?
- First-time home buyer programs near Illinois
- Buy Medigap Plan G during Medigap open enrollment
- Other financing options
- How to earn United PlusPoints
- Will parent PLUS loans qualify?
- 3 tips to control central air conditioning installation costs
- Making the call
- Emirates' cancellation policy recapped
- Ways to build your credit
- How do you buy Vanguard Index fund shares?
- Where's my 2024 state tax refund? Track your status
- Asset allocation calculator
- 5. Use collateral to secure the loan
- How much is car insurance by company?
- The rankings of reliable airlines
- If you want to visit an airport lounge in JFK's Terminal 5
- Other types of IRAs
- Memberships
- Methodology
- Selling crypto on PayPal
- When is the Virginia state income tax deadline?
- Use a co-signer
- Medicare Part D (prescription drugs)
- 2024 lifetime gift tax exemption
- Full list of the best homeowners insurance in Nebraska
- Some helpful links from the IRS
- June
- 7. You lack a Social Security number or ITIN
- How to open a CD
- The card issuer hopes you’ll carry a balance
- Some observations
- Do I have to update my W-4 every year?
- Bottom Line
- Roth IRA eligibility rules
- Can I take my own passport photo?
- Capital loss deduction
- What happens if you don’t collect sales tax?
- It’s more expensive to rent than ever before
- For the uninsured
- 2024 child tax credit news update
- How much does a business owner’s policy cost?
- Do you ever need to change your EIN?
- Discounts
- How do you buy 10-year Treasury notes?
- Is a Comenity/Bread credit card right for you?
- Active funds vs. passive funds
- Days in the cycle
- What’s next?
- Consumer experience
- Other home office deduction rules and considerations
- Best life insurance company for consumer experience: Northwestern Mutual
- When should you freeze your credit?
- 3. Bonds
- How to protect against inflation
- National first-time home buyer programs
- How to settle a dispute with Edfinancial
- When not to use a credit card
- Can you pay taxes with a credit card? Yes. But should you?
- What is New York state's standard deduction?
- How can I avoid cashier's check fraud?
- Need more auto liability insurance? Grab an umbrella
- The importance of diversification
- Tips for writing a company overview
- Alternatives to SBA franchise loans
- Equity financing options for small businesses
- How borrowing affects your credit score
- The long strangle
- Embarking and disembarking
- 3 investing myths
- 5. Purchase protection and extended warranty
- How are gas prices determined?
- FAQs
- Why building credit now is important
- You can’t transfer miles between American and Alaska, but you can use points with either airline to book flights with the other
- 13. Rent out a room
- 4. Derogatory mark: Collections
- Consider securities-based lending
- 7. Determine which warranties are right for you
- Required documents for auto loan refinancing
- CD vs. savings account
- Find the best homeowners insurance in your state
- How to get a home equity line of credit
- Is Plan G the best Medicare Supplement Insurance plan?
- MoneyGram
- LLC self-employment taxes
- Dress code for a passport picture recapped
- Am I a resident for California state tax purposes?
- Discounts
- 3. SEP IRA
- Buy rental car insurance
- Bank of America® Customized Cash Rewards credit card
- The bottom line
- How to get a loan from a credit union
- Watch out for 'upgrades'
- Tips for calculating how much life insurance you need
- How to get a tax refund sooner
- Shortcuts to asset allocation
- How much do life insurance policies cost?
- PayPal vs. Venmo and Cash App
- Bottom line
- Are commodities a safe investment?
- Full list of the best car insurance in New Jersey
- Shopping and dining
- Transferring crypto into your PayPal address
- Online bank and credit union routing numbers
- Home equity loan requirements
- Selecting a long-term investment
- If you’d like to do Disney in a day
- Things to consider when seeking a higher credit limit
- Seller-paid closing costs
- Chase Freedom Flex℠
- Will my servicer know if I qualify?
- G
- Exchange frequently? Consider a multicurrency account
- Option 3: Sell the business.
- Earn money as a travel agent
- JetBlue credit card customer service
- So, how much is a U.S. passport?
- Do you pay tax on T-notes?
- Next steps:
- Why did Silicon Valley Bank fail?
- Standard deduction for dependents
- Shopping
- How to pay estimated taxes
- Become an authorized user
- Medigap (Medicare Supplement Insurance)
- How much does homeowners insurance cost in Nebraska?
- Where to find the best savings accounts
- How to evaluate dividends
- 8. You don't have a banking relationship
- 20 business types* with the highest SBA loan approval rate (2016)
- How to adjust your Form W-4
- Why do I need a business credit score?
- How to join TikTok Shop as a creator
- 5. PayPal
- How to use United PlusPoints
- Key differences between an EIN vs. ITIN vs. SSN
- The bottom line
- Shop around and read the fine print
- Recap: How to get a cashier's check
- How did rent get so expensive?
- Consumer complaints
- 6. Find the right lender
- Crypto ETFs
- Small-business industry statistics
- Methodology
- Benefits of an IRA
- 5 things to know about Virginia state income tax
- Who pays the gift tax?
- Married filing separately
- Depreciation examples
- Steps in the small-business grants process
- Average money market account rate: 0.66%
- July
- CD vs. bond
- NerdWallet home insurance calculator methodology
- What do the approvals mean for other crypto investments?
- Cons of a credit freeze
- 20 business types* with the highest SBA loan approval rate (2001-2016)
- What is the average and median retirement savings?
- Could we be in an AI bubble?
- Which type of life insurance should I put in a trust?
- Is two weeks’ notice required?
- Tax-loss harvesting rules
- Should you pay rent with your credit card?
- Am I a resident for New York state income tax purposes?
- Using your credit card for rental car coverage
- What are the best Vanguard index funds?
- Term vs. whole life insurance tool
- More small-business data from NerdWallet
- What if you lose your EIN?
- Next Steps
- Gemini Credit Card
- What's next?
- 14. Moonlight as a dog sitter
- Hire an advisor
- Retirement accounts for small-business owners and self-employed individuals
- Discover it® Cash Back
- Trending: Lawyers, bars and health clubs
- K
- 5. Dave: Best for repayment flexibility
- How much can you borrow with a HELOC?
- LLC sales taxes
- Other insurance companies to consider
- Consumer complaints
- How to finance central air installation
- Trip delay reimbursement
- Investing and saving for retirement
- Personal loans vs. credit cards for debt consolidation
- Restrictions and waiting periods
- Where can you purchase a BOP?
- Consumer experience
- Finding the best bank in Colorado for your small business
- The bottom line
- Learn more
- Luggage storage at hotels recapped
- Why you can trust NerdWallet
- What are the disadvantages of sole proprietorship?
- Transferring crypto from your PayPal wallet
- Step 5: Submit your application and get funded
- Amica vs. competitors
- U.S. Bank Cash+® Visa Signature® Card
- Do you pay taxes when you receive a gift?
- Are home equity loans a good idea?
- Fleet fuel cards: benefits and drawbacks
- 8. Negotiate the best price
- Next Steps
- If you don’t meet auto loan refinancing requirements
- 2024 state income tax rates and brackets
- 9. You violated an issuer’s internal rule
- How do I get my business credit score?
- What’s a spousal Roth IRA?
- Is TikTok Shop safe?
- How to grow your score
- How to improve your burn rate
- The best place to exchange currency at the end of your trip
- Credit union vs. online lender
- How much does liability insurance cost?
- 3. Make your home more resilient
- When can't you take the standard deduction?
- 15. Become a rideshare or delivery driver
- 5. Student loan delinquency or default
- Factors that don’t affect your credit scores
- Enrolling in Medicare
- If you want alternatives to Hawaii
- Best life insurance company for coverage amounts: New York Life
- Types of CD strategies
- What if I had delinquencies or a student loan in default?
- Speak with an agent
- The edge of your seat
- If you’d like to become a travel agent
- The bottom line
- If you’re collecting Marriott elite night credits
- Tickets bought with miles
- Types of gas
- Frequently asked questions about estimated tax payments
- Sending crypto to another PayPal user
- Average cost of homeowners insurance in Nebraska by city
- Credit freeze or credit lock?
- Empower Personal Dashboard, for tracking wealth and spending
- L
- Should you invest in cryptocurrency?
- Is Global Entry worth it?
- Consumer experience
- How much money can you make on YouTube?
- Consequences of a child tax credit error
- Other types of 1040 tax forms
- Prudent Pet insurance rates
- The bottom line on how to research stocks
- How to set up PayPal
- Which card should you get?
- 16. Cut your insurance premiums
- Is the gift tax deductible?
- Free resources for Ohio small businesses
- Understanding depreciation in business and accounting
- FDIC insurance limits and ownership categories
- August
- Using the Marriott Bonvoy app
- Why a financial advisor's fee structure matters
- The future of blockchain technology
- H
- Figo: Best pet insurance for cats
- Buying rental car insurance on your own
- Currency exchange: Frequently asked questions
- Follow these dos and don’ts after business inheritance
- What is the highest credit score, and how many people have it?
- What’s next?
- How much is auto insurance based on your driving record?
- Should you try options trading?
- Why did Signature Bank fail?
- How to improve your credit
- Earn points while shopping
- 6. Sezzle
- Western Union
- LLC tax forms and deadlines
- Citi Double Cash® Card
- The synthetic long
- How much is my 2023 standard deduction?
- When to consider Global Entry instead
- Get credit for the bills you pay
- How much is the gift tax rate?
- What you can learn from the average 401(k) balance
- 9. Maximize trade-in value, if applicable
- What should you do if your credit card application is denied?
- Who can access your frozen credit reports?
- The bottom line
- 6. MoneyLion: Best for existing customers
- Important considerations when opening a Roth IRA
- Roth IRA vs. traditional IRA: What's the difference?
- If you're looking for how to use United PlusPoints
- Compare top-rated life insurance companies
- Small-business outlook statistics
- If you want to go to Hawaii
- Final thoughts on the different United economy fare classes
- Receiving your refund
- PayPal cryptocurrency alerts
- The cheapest home insurance in Nebraska
- Using depreciation to plan for future business expenses
- The difference between interest rate and APY
- What are CD rates right now?
- M
- Wells Fargo Active Cash® Card
- Can I get a refund?
- The bottom line
- J
- State child tax credits
- More reading for active investors
- 17. Consolidate your debt
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Compare insurance rates by driver history
- Fuel card vs. business gas credit card
- Getting the timing right
- Options trading examples
- PayPal Cashback Mastercard®
- After deciding
- 20 fastest-growing businesses* based on SBA loan approval (2011-2016)
- Is getting a HELOC a good idea?
- Should you invest in AI stocks?
- Tips to find the right Florida small-business grant for you
- What is the normal fee for a financial advisor?
- Types of stock charts and how to read them
- The bottom line
- Next steps
- Discounts
- State Farm vs. competitors
- Ideal Chick-fil-A operator candidate
- Does PayPal offer tax forms?
- 6. Derogatory mark: Bankruptcy
- September
- Best life insurance company for permanent life insurance: Pacific Life
- 20 fastest-growing businesses* based on SBA loan approval (2001-2016)
- Earn an audience, and earn more in the long run
- 4. SIMPLE IRA
- Travel accident insurance
- What’s happening with Silvergate Capital Corp.?
- Why are California gas prices so high?
- How can I check and monitor my credit?
- Single
- 10. Make the purchase
- Are dividends taxed?
- Important notes for businesses
- K
- What is the $500 credit for other dependents (ODC)?
- So, can you get a refund on plane tickets?
- The bottom line
- 18. Refinance your student loans
- Common gift tax return triggers
- What to know about Nebraska homeowners insurance
- Depreciation and taxes
- Miscellaneous earning options
- What are promotional CD rates?
- N
- Credit cards that earn Chase Ultimate Rewards®
- LLC tax tips for business owners
- Who is most likely to rent?
- Find the best life insurance policy for you
- What happened to Credit Suisse?
- 2023 vs. 2024 standard deduction
- Friends and family
- What protections does PayPal offer?
- Final thoughts on getting TSA PreCheck for free
- Practice good credit habits
- Tips when applying for small-business grants
- Examples of FDIC insurance limits and coverage
- What is credit card consolidation?
- Next steps
- 7. SoLo Funds: Best for peer-to-peer cash advances
- How to open a Roth IRA in 4 steps
- 7. Zip
- Related articles
- California state tax credits
- Lost luggage reimbursement
- Capital One Quicksilver Cash Rewards Credit Card
- Child tax credit vs. child and dependent care credit
- Types of FIRE
- State availability
- 19. Change your cell phone plan
- The bottom line
- W-4 calculator
- 4. Money market funds
- Small-business incubator programs
- Other ways to make money
- L
- National grant programs available to Texas small businesses
- How the FDIC calculates national rates
- October
- PocketGuard, for a simplified budgeting snapshot
- Types of FHA loans
- When to claim the standard deduction
- If you want to transfer Southwest Rapid Rewards points
- Avoid risky loans
- 7. Derogatory mark: Foreclosure
- Can you keep your doctor on Medicare?
- Does your business need a fleet fuel card?
- How does credit card consolidation work?
- O
- Investing
- Car rental insurance: The bottom line
- Consumer experience
- Understanding life insurance quotes
- Best life insurance company for customer satisfaction: State Farm
- Can't finance before you sell?
- Why trade options?
- 10-year SBA 7(a) loan defaults (starting in 2006) for business types with 200 or more loans
- Is it better to get a home equity loan or line of credit?
- Bank of America® Customized Cash Rewards credit card
- How to choose among the best ways to send money internationally
- Cheapest for 30-year-old drivers
- 3 best cold wallets
- Are other banks are in trouble?
- Does the president control gas prices?
- Is stock picking right for you?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Ways to earn Wyndham points recapped
- What else to know about Form W-4
- Rent vs. income
- What to know before shopping for car insurance quotes.
- P
- 8. Klover: Best for no-fee advances
- How to prepare now for a potential accident in a rental car
- Check your credit scores and reports
- What Medicare doesn't cover
- November
- 5. Mutual funds
- NYC income tax rates
- Alternatives to the best burial insurance
- Should I take my money out of the bank?
- How to rebuild your score after a derogatory mark
- Is consolidating credit card debt a good idea?
- What to do if you can’t keep up with your HELOC payments
- Alternatives to startup business grants
- Compare buy now, pay later apps
- M
- OK, what's next?
- How does the Israel-Hamas war affect gas prices?
- Frequently asked questions
- S
- How to get a business loan from a bank
- Final thoughts on the best flight booking site
- Additional Visa Infinite benefits
- Company overview examples
- Other pet insurance companies to consider
- The bottom line
- Small-business banking statistics post-SVB failure
- Benefits of renting a car with a credit card
- More resources
- Should you use a buy now, pay later app?
- 5. Defined benefit plan
- Best stocks for beginners
- More about top-rated life insurance companies
- Can I still use my credit card after debt consolidation?
- Limitations of FIRE
- Are we in a recession?
- Medicare vs. Medicaid
- Nebraska insurance department
- Best life insurance company for older applicants: AARP
- Mortgages
- 6. Index funds
- Classes of service
- MetLife: Best pet insurance for dogs
- How we review pet insurance
- Tips to finding the right grant program for your small business
- Chick-fil-A alternatives
- December
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- Pros and cons of loan apps
- The bottom line on how to read stock charts
- N
- T
- FHA loan limits
- Looking for more insurance in Nebraska?
- Do I need additional travel insurance?
- How to track your California state refund
- How to start a catering business: The bottom line
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- Next steps
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- Where can I find out more?
- Cheapest car insurance by state
- U
- 6 things to know about New York state income tax
- The bottom line
- Prime Visa
- Best term life insurance companies of April 2024
- P
- How to apply for an FHA loan
- California state sales tax
- Best whole life insurance companies of April 2024
- Where to open a retirement plan if you’re self-employed
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- What if you're not eligible?
- How to make money from home
- Alternatives to buy now, pay later
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- How much is auto insurance for good and poor credit?
- Booking car rentals with a debit card, recapped
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- Other home insurance companies to consider
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- S
- How to choose the best life insurance company
- Personal loans
- Pros and cons of microloans
- Other financial aid programs in Washington state
- The bottom line
- Methodology to identify the best budget apps
- Extra fees
- Are apps like DailyPay and Payactiv cash advance apps?
- 8. Stocks
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- Risks of getting cheap auto insurance
- Nationwide: Best pet insurance for exotic pets
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- Target Circle™ Credit Card
- Ways to get the best FHA mortgage rates
- T
- How to get a microloan
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- Student loans
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- U
- More about top-rated life insurance companies
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- V
- How to make money offline
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- 9. Alternative investments
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- Taxes
- Cash advance app star rating methodology
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- 11. Real estate
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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.