Best Things to Buy Every Month in 2024
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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.
- See CD rates by term and type
- What are undervalued stocks?
- » This page is out of date
- What is a charitable donation?
- What is a W-4?
- What is a Treasury bill?
- 6 steps to opening a Roth IRA
- What is a budget planner?
- The parts of Medicare
- Still deciding on the right carrier? Compare Medicare Part D Plans
- What is a 401(k)?
- What is the gig economy?
- Find the right business loan
- Bluevine Business Checking
- Checking account vs. savings account
- What is a personal loan?
- What is a jumbo loan?
- What is the home office deduction?
- Nerdy takeaways about where to exchange currency
- Medicare Advantage companies
- What is the Section 179 deduction?
- Find the right Medicare Supplement Insurance plan
- Still deciding on the right carrier? Compare Medigap plans
- Life insurance buying guide
- Investing for kids
- What is the sales tax deduction?
- Shopping for Medicare plans? We have you covered.
- What is asset allocation?
- Our Take
- Can you borrow from an IRA?
- What is stock trading?
- What is a SEP IRA?
- What is the qualified business income deduction?
- » This offer has expired
- Still deciding on the right carrier? Compare Medicare Advantage plans
- 1. Keep your cards open, if it makes sense
- 2. Start an emergency fund, tackle other priorities
- 3. Reevaluate your existing plastic
- 4. Look for richer reward opportunities
- How long does it take to clear a check?
- 2024 child tax credit news update
- What is a credit freeze?
- What is a 1099?
- How to buy stocks in 6 steps
- What are dividend stocks?
- What is an after-tax 401(k)?
- What is inflation?
- What is a spot Bitcoin ETF?
- About Travelers home insurance
- Renewable energy stocks
- Right now: Report or lock the missing card
- How it works
- Hulu subscription cost
- Solar panel cost by state
- What are Perkins loans?
- What is YouTube Premium?
- What is FICA tax?
- Are tips taxable?
- Best for:
- Credit union vs. bank: Differences at a glance
- SONYMA highlights and eligibility requirements
- What is a VA home loan?
- About American Family home insurance
- What is an authorized user on a credit card?
- The psychology behind storing your info
- Still deciding on the right carrier? Compare Medicare Advantage plans
- How do CDs work?
- The cheapest car insurance companies by category
- 7 of the best apps to make money
- JetBlue’s refund policy
- Make sure the car qualifies for road testing
- Institutions with low or no overdraft fees
- Why you shouldn't redeem your miles for merchandise
- Credit cards that offer a free night certificate
- S&P 500 index (SPX) today
- Claim United miles for past flights on the airline
- 1. Choose your destination wisely
- Cheap car insurance for seniors
- Amtrak food policy
- What are checking and savings accounts used for?
- What is broadband internet?
- What is the average cost of groceries per month?
- The pros of the Southwest loyalty program
- Wyndham Rewards' award chart
- 1. Certificates of deposit (CDs)
- Grand Hyatt at SFO
- Online marketplace and auction sites
- Top credit cards for active-duty military
- What is a savings account?
- Avianca baggage inclusions by fare type
- 6 things to know about United's delayed flight compensation
- What is self-employment tax?
- Best ETFs as of March 2024
- Fixed rates vs. variable rates
- Best stocks by one-year performance
- How to use a savings goal calculator
- National first-time home buyer loans
- What is a MagicBand?
- Microsoft Office Excel budget templates
- Tips to get the best last-minute travel deals
- Best Prepaid Debit Cards
- Airlines in the Star Alliance
- Domestic travel
- How much are Avianca LifeMiles worth?
- What to know about American Airlines delayed flight compensation
- Pros & Cons
- What you need to open a bank account
- The similarities between Hyatt Place and Hyatt House
- What is equity crowdfunding and how does it work?
- How do CDs work?
- What goes into the credit card interest calculation
- What does this value mean?
- 1. Document the scene
- Calculate your closing costs
- Create a budget plan that works for you
- 50/30/20 budget calculator
- 21 Small-business tax deductions
- What determines your monthly car payment?
- When will the IDR adjustment happen if I don’t get automatic forgiveness?
- January
- What is an insurance lapse?
- What is invoice financing?
- The best budget apps
- 25 side business ideas to try this year
- How do personal loans work?
- 1. The Credit for Other Dependents
- How we found the best travel insurance
- How to manage your money
- The value of Marriott Bonvoy points
- Superhost meaning
- 1. Airlines, including Delta, aren’t required to provide compensation for delays
- California state income tax brackets and rates
- Will I qualify for an unsecured loan?
- Disney FastPass vs. Genie+
- Commonly asked interview questions
- How to use this calculator
- What is deflation?
- First, some background
- What is short selling?
- Ryanair at a glance
- Ally Bank CD rates
- Vending machine costs
- Life insurance calculator
- FICA tax rate 2023-2024
- Credit union advantages
- Best advice for first-time flyers
- 39 green business ideas
- 1. Set your budget
- What you’ll pay for Medicare overall in 2024
- How does capital gains tax on real estate work?
- Why is having a low credit utilization important?
- Three years
- Term life vs. whole life: Overview
- Average car loan interest rates by credit score
- What is a growth stock?
- Frugal food tips
- What is a HELOC?
- 1. There are two versions of the Wayfair Credit Card
- 1. Check what you already have and make a list
- 2023 Arizona state income tax rates and tax brackets
- Where to find information for the calculator
- How to change or cancel a reservation
- Is charitable giving tax-deductible?
- What is buy now, pay later?
- What is a business credit report?
- How Treasury bills work
- What is the gift tax?
- What is the ‘donut hole’ in Medicare?
- Late winter and early spring
- MCA calculator
- 4 common check fraud scams
- In this article
- How does a jumbo loan work?
- How does the home office tax deduction work in 2023-2024?
- How to change your credit card due date
- How to compare FHA vs. conventional loans
- 1. PayPal Honey
- At a glance
- 5 best money market mutual funds by yield
- When does the Common App open?
- Our picks for the best life insurance companies in March 2024
- Capital One vs. Chase business checking at a glance
- Save money with a micro wedding hotel package
- When can you withdraw from a Roth IRA?
- Take advantage of enrollment periods
- Where should you start?
- What is an FHA loan?
- Hulu Live TV cost
- Stock chart components
- The bull call spread
- How the Section 179 tax deduction works
- Who qualifies for Perkins loan forgiveness?
- How to get Chase Freedom rental car insurance
- State Farm Medicare Supplement Insurance pros and cons
- How much is YouTube Premium?
- Best ways to consolidate credit card debt
- Do you have to report cash tips to the IRS?
- What’s deductible
- What you need to know
- What to expect flying first class with Virgin Atlantic
- 1. It’s a premium travel card at a premium price
- Index fund vs. mutual fund
- Student loan payoff calculator
- Where to find a first-time car buyer program
- SEP IRA contribution limits
- Government-sponsored enterprises
- Assume your information is unsafe
- Mint vs. NerdWallet at a glance
- The best money-making apps
- How to make money online
- Itemized deductions, definition
- 6 steps to managing your 401(k)
- 2. File a police report
- Why are stocks undervalued?
- What is an overdraft fee?
- What is the standard deduction?
- Simplify, automate and alert
- 1. Wait for automatic cancellation
- What does it mean to invest in the S&P 500?
- How to freeze your credit with all 3 bureaus
- What is a 1099 form used for?
- What is the 10-year Treasury?
- Paying taxes with a credit card means paying fees
- How does a 401(k) work?
- What is gig work?
- Which airlines have free checked bags?
- What’s a good credit score with FICO vs. VantageScore
- What are estimated tax payments?
- How after-tax 401(k) contributions work
- Your monthly payment could increase
- Average inflation rate
- The long cal
- Best place to exchange currency: Your bank or credit union
- Top 10 spot Bitcoin ETFs by fee
- 15 franchise opportunities
- What did the Supreme Court decide?
- Average 401(k) balance by age
- Hyatt Place London Heathrow Airport
- 1. Your money supports your causes
- Many app-based drivers don’t earn minimum wage
- 1. Don’t assume any one company is the cheapest
- Citi Double Cash® Card
- Rite Aid
- The self-employment tax rate for 2023
- Bluebird Card Pros
- 1. 529 Savings and investing accounts
- Credit union disadvantages
- 28 ways to save money
- Possible consequences
- Why the Capital One Venture Rewards Credit Card is better for most people
- How minimum payments are calculated
- The benefits of Star Alliance
- Investing in Bitcoin
- How to understand the calculator results
- What are the key asset classes?
- Table of Contents
- How does a VA home loan work?
- What is a bridge loan?
- How does being an authorized user affect your credit?
- What's the difference between a HELOC and a home equity loan?
- 2. Limit your shopping trips
- The best whole life insurance companies of March 2024
- 1. Determine if you’re eligible for the Apple Card
- Checking and savings features
- How much are closing costs?
- How is PMI calculated?
- How to fill out a W-4
- 22 popular tax deductions and tax breaks
- What is the child tax credit?
- How does a home equity loan work?
- What is the 50/30/20 rule?
- Easier path to elite status
- 20 high-dividend stocks
- How to choose a checking account
- 1. Affirm
- 1. Take inventory of your finances
- Capital One vs. Chase business checking: key features
- 1. How much do you want to spend on monthly payments?
- Why are gas prices going up?
- Evaluate your budget and spending
- Why you need a savings account
- ETF advantages and disadvantages
- Are these the best stocks to buy now?
- Lincoln Financial life insurance
- What you’ll pay for Medicare Part A
- You have federal loans and face financial hardship
- Why you should use an AirTag or Tile to track your checked bag
- How to lower your credit utilization
- New York state income tax rates
- Six years
- What does this value mean?
- What took so long?
- Differences between mutual funds and index funds
- Do I have to pay Arizona state income tax?
- Who qualifies for the qualified business income deduction?
- Crunching the numbers
- Who pays the gift tax?
- Request missing miles for flights on Star Alliance and partner airlines
- What are the four stages for the Medicare donut hole?
- How to use this merchant cash advance calculator
- How much IDR credit will I get?
- What should I do if I can’t make an auto insurance payment?
- YNAB, for hands-on zero-based budgeting
- What can I use a personal loan for?
- What should my monthly grocery budget be?
- 2. The Child and Dependent Care Credit
- Why Capital One Venture X Rewards Credit Card is better for most people
- Where Travelers stands out
- How we ranked the top life insurers
- A debt discharge program with a dismal success rate
- What LifeLock does and what it costs
- Tomorrow: Follow up with a written confirmation
- Best affordable homeowners insurance in Texas: State Farm
- 1. Embrace e-commerce
- Avianca personal item policy
- How to short a stock in 5 steps
- Pros of getting a fixed-rate HELOC
- 2. ABLE accounts
- Bank advantages
- Google Sheets budget templates
- How the home sale tax exemption works
- Elite status
- Why you might want to sign up
- Where American Family stands out
- The Gold Card’s features
- What Fannie Mae and Freddie Mac do
- Is equity crowdfunding legal?
- How we ranked the top life insurers
- Grace period
- Ticket types and refund eligibility
- How tax-deductible donations work
- How much is PMI?
- Factors that go into your business credit score
- Who gets a 1099?
- Recent averages for factors that affect a car payment
- Chase Ultimate Rewards®: The basics
- How much does internet service cost per month?
- How to calculate the inflation rate
- 2. Rakuten Cash Back Button
- 4 best Wyndham resorts for award stays
- 2. Cash management accounts
- Roth IRA withdrawal rules
- Median 401(k) balance by age
- Consider prescription drugs
- 2. Delta will keep customers informed about delays
- What you need to know about savings accounts
- What expenses qualify for Section 179?
- Is build-to-order cheaper? It can be
- Ryanair has never had a fatal crash
- The self-employment tax rate for 2024
- How to start a vending machine business: A step-by-step guide
- Keep careful records
- Bluebird Card Cons
- Bluebird by American Express
- Seven years
- How to book a first class ticket with Virgin Atlantic
- Best-performing growth stocks
- Frugal shopping tips
- What is the cheapest car insurance in California?
- How extra student loan payments work
- 3. Stick to your list
- Types of stock trading
- Best affordable homeowners insurance in Kansas: Auto-Owners
- You have financial protection
- Marriott points calculator
- 3. Place a fraud alert on your credit record, if necessary
- The most undervalued stocks in the S&P 500
- Borrow a car for your driving test
- 1. You can pre-qualify without hurting your credit scores
- How does buy now, pay later work?
- T-bill purchase example
- 2. Request PMI removal sooner
- Do you pay taxes when you receive a gift?
- Information you need to freeze your credit
- Holiday weekends
- What is a gig worker?
- 2. Travel during shoulder seasons
- 4 steps to spot a fake check and avoid trouble
- February
- Jumbo loan requirements
- The best Marriott Bonvoy transfer partners
- 2. And for how long are you willing to make them?
- Why should I invest in renewable energy?
- Available credit cards and their terms
- 1. Your credit score
- What is a mega backdoor Roth?
- Why short a stock?
- State Farm Medicare Supplement Insurance plans
- Compare CD rates: Ally vs. Synchrony vs. Marcus
- How to manually calculate how much life insurance you need
- How FICA tax works
- Key findings
- THDA highlights and eligibility requirements
- Lincoln Financial life insurance policies
- 3. Certificates of deposit
- Bank disadvantages
- 2. Shop for a loan
- New York state first-time home buyer programs
- Are auto loan interest rates rising?
- 2. The annual fee is mitigated by a huge statement credit, sign-up bonus
- What's the difference between a HELOC and a cash-out refinance?
- 2. You can earn 5% back in rewards on Wayfair purchases
- SEP IRA rules: Who is eligible?
- Full review
- Pros and cons of equity crowdfunding
- High CD rates for now
- Why might a check take longer to clear?
- How do you calculate closing costs on a house?
- How much is the 2023 child tax credit?
- Marriott's top hotels — revealed
- What is the 10-year treasury yield today?
- Investing for income: Dividend stocks vs. dividend funds
- Can you bring alcohol on Amtrak?
- When are estimated taxes due?
- How to choose a savings account
- The pros and cons of a life insurance trust
- When to change your credit card due date
- Types of money market funds
- Another money-change option: Online currency converters
- Where Travelers falls short
- What information do you need to complete the Common App?
- What Medicare Advantage plans are available?
- What costs are built into a monthly FHA mortgage payment?
- 2. Don’t ignore local and regional insurers
- What prices have deflated since last year?
- Hulu add-ons
- Cons of getting a fixed-rate HELOC
- How to find the best stocks to buy now
- Tally and report your tips every month
- Chase Freedom®
- Indefinitely
- Avianca LifeMiles calculator
- Where American Family falls short
- 4. Pay attention to prices
- How can a first-time car buyer program help you finance a car?
- What is "qualified business income"?
- Other alternatives to Mint
- Types of itemized deductions
- 4. Call your banks to freeze your accounts, if necessary
- Overdraft protection
- How the standard deduction works
- Average annual PMI premium
- Checking your business credit score
- Should I buy stocks when markets are at all-time highs?
- Benefits of after-tax contributions
- Can I take the home office deduction as a work-from-home employee?
- When smaller weddings aren't cheaper, they're often more extravagant
- Renaissance London Heathrow Hotel
- 2. Your deposits are insured
- Next week: Monitor your account while the bank investigates
- Where driver minimum wage rules are already in place
- Contact your servicer
- Short resignation letter example
- 2. The annual fee
- Avianca carry-on bag policy
- How to calculate self-employment tax
- How much is YouTube Music?
- How to take advantage of the sales tax deduction
- What you’ll pay for Medicare Part B
- VA home loan eligibility
- How does the One Key rewards program work?
- Is it a good deal?
- Am I a resident for Arizona state income tax purposes?
- How to qualify for a loan approved by Fannie Mae or Freddie Mac
- Don’t forget your memory
- 2. Get preapproved
- PMI calculator help
- Designate a co-pilot
- Should I choose a home equity loan or a HELOC?
- Is the gift tax deductible?
- Do I need a 1099 form to file my taxes?
- What to know about working in the gig economy
- You might not qualify for the student loan interest deduction
- 3. The Camelizer
- State availability
- Best life insurance companies: Pros and cons
- How did we get here and what’s next?
- Average 401(k) contribution rates
- 3. How much are you willing to pay in upfront costs?
- 3. Delta will rebook you on the next available flight
- What state has the highest gas prices?
- 'My servicer said I couldn't'
- AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
- 3. Ask about discounts
- Is a personal loan a good idea?
- Genie+ cost
- Savings accounts with strong APYs can help your money grow
- How to apply for Perkins loan forgiveness
- More details about Ally Bank CDs
- Cost of living has grown faster than income in the past four years
- Overview of prepaid debit cards
- NerdWallet’s budget planner
- What do financial pros say about Bitcoin?
- The differences between Hyatt Place and Hyatt House
- How to use average car interest rates
- 5. Buy the Sunday paper (for coupons)
- How do Marriott Bonvoy points compare to other hotel programs?
- 5. Consider whether to file an insurance claim
- Rent a car from a driver training school
- Don't waste your miles on merchandise
- Use a budget planner
- Boosting your benefits with your tax bill
- How credit scores affect monthly car payments
- Best car insurance for seniors: star rating
- What is invoice factoring?
- 2. Afterpay
- 3. Your employer’s dependent care benefits
- The long put
- What is a Bitcoin strategy ETF?
- 3. High-yield money market accounts (MMAs)
- Grand Hyatt DFW
- Basic stock chart terms to know
- Joann
- 2023 Section 179 deduction limit
- What’s covered by Chase Freedom rental car insurance
- Mega backdoor Roth 2024
- 21 most-shorted stocks by short interest
- Ryanair has been recognized for its safety
- What is withholding tax?
- Know how the math works
- 4. Custodial brokerage account
- Credit union vs. bank: What to consider when choosing
- You can still make payments on your federal loans
- Who qualifies for the home sales tax exclusion?
- Where does Southwest fly internationally?
- What tax records to keep
- When is the best time to use Avianca LifeMiles?
- How to find growth stocks
- How bridge loans work
- How we chose the cheapest companies in California
- How to trade stocks
- Morningstar Investor is best for:
- Best whole life insurance policies for 2024
- Average daily balance
- So what’s the holdup?
- 2. It can help you build credit ...
- Child tax credit 2024
- Sky Club access rules announced
- Buying food on Amtrak trains
- March
- How to get a personal loan
- 2. Build a money management blueprint
- Where to exchange currency outside the U.S.
- Think hard before giving up your Medigap plan
- 4. If you’re inconvenienced overnight, Delta will provide hotel accommodations or offer compensation
- An easier approach: ESG funds
- What should you consider?
- What you owe in case of debit card theft
- The bear put spread
- Episode transcript
- Who has to pay self-employment tax?
- How to get a fixed-rate HELOC
- An alternative to chasing the best stocks
- Lincoln Financial life insurance rates
- 3. Determine other ownership costs
- Choosing the best asset allocation
- Full Review
- Key differences between term life and whole life
- 3. Its rewards program is lucrative
- Is a HELOC a good idea?
- 3. You'll get a modest sign-up bonus
- How to find undervalued stocks
- Overdraft fees by institution
- Treasury bill rates compared to other Treasury securities
- Marriott hotel award nights available for 35,000 points or less
- When should I receive my 1099?
- All year
- 3. Be flexible
- Understanding your results
- Estimated tax payments 2024
- How to benefit from the account adjustment
- The value of high APYs
- How to calculate your home office tax deduction
- Sync your due date with your payday
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Earn those points
- How can I lower my FHA mortgage payment?
- Does Hulu allow password sharing?
- How to place a factory order
- 4 more ways to estimate how much life insurance you need
- What you’ll pay for Medicare Part C (Medicare Advantage)
- Serve American Express Prepaid Debit Account
- How to apply for a VA home loan
- Frugal entertainment tips
- One more option: Borrow from a 401(k)
- 6. Avoid online grocery shopping
- How does a SEP IRA work? The pros and cons
- Morningstar Investor at a glance
- How to qualify for the QBI deduction
- Alternatives to equity crowdfunding
- 3. Get a new appraisal to remove PMI
- How the annual gift tax exclusion works
- Price vs. yield
- Which airlines offer free carry-on bags?
- How can I get coverage after an insurance lapse?
- How does a life insurance trust work?
- 4. The medical expenses deduction
- Your spouse’s payments could affect your finances
- 4. CouponCabin Sidekick
- Top 9 Bitcoin strategy ETFs by fee
- Travelers home insurance coverage
- Is LifeLock worth the price?
- California income tax deadlines and extensions
- How do I get the right personal loan for me?
- How a savings account works: withdrawal limits
- 2024 Section 179 deduction limit
- Excess carry-on baggage rates
- Cost for State Farm Medicare Supplement Insurance
- Is YouTube Premium worth it?
- What to consider when opening CDs
- How to meet your monthly savings goal
- Other payroll tax items you may hear about
- THDA first-time home buyer loan programs
- When you file your tax return, report your tips again
- 5. High-yield savings account
- How MagicBands work and how to use them
- Shortcomings of using only baggage trackers
- Star Alliance Lounges
- New York state supplemental income tax
- How flexible are Avianca LifeMiles?
- ITIN: What it is and how to get one
- Cost of term life vs. whole life
- Best for availability and locations: Hyatt Place
- Should you buy growth stocks?
- American Family home insurance coverage
- Who benefits from becoming an authorized user?
- Apply extra student loan payments toward the principal
- Best homeowners insurance in Kansas for coverage: Openly
- Customer experience
- Adapt as needed
- Child tax credit expansion: What the tax deal could mean for you
- How to invest in the S&P 500 in two steps:
- How to unfreeze your credit
- Request missing miles for other MileagePlus partners
- What a good credit score can get you
- How much are Chase Ultimate Rewards® points worth?
- How much does it cost to submit the Common App?
- What should I do now?
- 4. How far do you drive?
- What state has the lowest gas prices?
- 3. You'll find lower fees, higher rates
- 4. Work on your credit
- Best in Texas for having few consumer complaints: Chubb
- How does Hulu fit into your budget?
- 2. Improve your skills
- The risks of short selling
- Rising costs thwart debt payoff plans
- The Federal Trade Commission’s budget worksheet
- How to keep your tax records
- Why you might want to use another exchange
- How do I open a SEP IRA?
- Morningstar Investor features you should know
- Maintaining a barrier to spending
- 3. Accept the offered terms
- The million-dollar question (pun intended)
- 6. Get your car fixed
- Glossary of overdraft terms
- 3. ... But its potential annual fee may cost you
- Standard deduction 2023
- Should you use buy now, pay later?
- How to get a home equity loan
- Strategies for after-tax 401(k) contributions
- Goodbudget, for hands-on envelope budgeting
- How to qualify for a personal loan
- How do you become a Superhost?
- 4. Peer-to-peer lending
- Best life insurance company overall: MassMutual
- Hyatt Regency Los Angeles International Airport
- Local sales
- 5. You can ask for compensation
- When can you sign up?
- Lowering your risk going forward
- What happens if you’re approved?
- Consider a home equity loan
- Why do I have to pay FICA tax?
- Lincoln Financial customer complaints and satisfaction
- How to claim the sales tax deduction
- 4. Find the right car for you
- Your federal student loans are in default
- The cost of debt without a balance transfer
- Cheap car insurance in California by age
- 4. You can take advantage of special financing (but you’ll forgo rewards)
- 7. Calculate your burn rate
- How to get started with equity crowdfunding
- Banks and credit unions that clear checks fast
- Rent a car from a rental company
- When to estimate closing costs
- Are Treasury bills a good investment?
- How loan term affects your monthly car payment
- Best car insurance for seniors: budget pick
- Who should make estimated quarterly tax payments?
- What internet speed do you need?
- 5. Capital One Shopping
- Book sooner than later
- Complete the process
- Immediate resignation letter example
- Chase Sapphire Reserve®
- More advanced stock chart terms
- Kirkland’s
- ‘Hummer tax deduction’: Which vehicles does Section 179 cover?
- How to pay self-employment tax
- More about Ally Bank
- What happens if I don’t report my tips?
- What you’ll pay for Medicare Part D
- Best hotel for long-term stays: Hyatt House
- Pros and cons of VA home loans
- If you’re over the income limit
- Types of 1099 forms
- How much should you spend on a mattress?
- 4. Consider transportation costs
- April
- Invoice financing vs. invoice factoring, summarized
- 3. Apple Pay Later
- How do you pick between the Chase Freedom Flex℠ and the Chase Freedom Unlimited®?
- What if you're unable to change your due date?
- You may agree to chip in on each other's payments
- Where to avoid exchanging currency
- What's next?
- Is deflation coming in the U.S.?
- 3. Your eligibility for the welcome bonus
- Your 401(k) plan allows after-tax contributions
- Working YouTube Premium costs into your budget
- Managing expectations
- 6. Investing for teens
- Who might prefer the Discover it® Miles
- Other factors affecting minimums
- Why should I open a bank account if I'm undocumented?
- Ways to get good value
- Is it worth it?
- Frugal DIY project tips
- How fast does an authorized user build credit?
- Other opportunities to pay off student loans faster
- Theft and insurance
- How to get overdraft fees waived
- 4. Refinance to get rid of PMI
- Final thoughts on requesting missing United miles
- What is APR and why is it important?
- How to invest in dividend stocks
- Simplified version vs. actual expense deduction
- Find ways to stretch your grocery budget
- Why you might prefer the The Platinum Card® from American Express
- The Bitcoin ETF price war
- 5. How important is driving the newest model to you?
- Do I have to pay California state tax?
- Can I have more than one loan?
- How to make a claim
- Is Ryanair reliable?
- Many in credit card debt feel stressed, worried
- More about Lincoln life insurance
- The cons of Star Alliance
- You’re pursuing Public Service Loan Forgiveness
- ONE VIP Visa Prepaid Card
- Redeeming points for Star Alliance awards
- How did we determine the Avianca LifeMiles points value?
- Cheapest for 20-year-old drivers
- 8. Follow your favorite brands
- Alternatives to checks
- Standard deduction 2024
- W-4 form 2024
- Pros of invoice financing and factoring
- Alternatives to regular savings accounts
- Inflation example
- The short put
- Skip currency exchange: Use a credit or debit card
- 4. You'll get feel-good extras
- Tax deductions for self-employment
- Making your choice between a credit union and a bank
- MagicBand pros and cons
- More ways to take charge of your budget
- Best hotel for business and leisure travel: Both
- Other ways to build credit
- 4. Points can't be transferred to other travel programs
- How are HELOC payments calculated?
- How do I invest my SEP IRA?
- Additional functionality
- Are home equity loans a good idea?
- Why is the 10-year Treasury yield important?
- Get more help with monthly budget planning
- Mattress-buying tips
- What affects your credit score?
- Types of life insurance trusts
- How to pick the best personal loan
- What’s next?
- You may be responsible for debt after divorce
- 5. Online savings accounts
- Sofitel Athens Airport
- Clothes, vintage and crafts
- 5. Skip comprehensive and collision coverage for an older car
- Individual Lightning Lane cost
- How much to keep in your savings account
- The long straddle
- How to make a rental car insurance claim
- Your 401(k) lets you move your after-tax money
- How to catch up on unreported tips
- 5. Contact the seller or visit a dealership
- Compare Medicare Part D plans
- You recently graduated from college
- How to choose between term and whole life insurance
- Best homeowners insurance in Kansas for consumer experience: American Family and Nationwide
- Interest rate
- How has the Marriott points value changed over time?
- Ways to deter theft
- What do closing costs include?
- Should I file taxes now or wait for the child tax credit expansion?
- What causes Treasury bill rates to fall?
- Alternatives to MCAs
- Other ways to skip baggage fees
- Estimating your car payment
- Best car insurance for seniors: fewest complaints
- Money market mutual funds vs. money market accounts
- 6. Travel insurance can protect you even more
- How are gas prices determined?
- 4. Your current Sapphire situation
- 3. Find funding
- What is a short squeeze?
- Discover it® Cash Back and other eligible Discover cards
- How do balance transfers work?
- When are New York state income taxes due?
- What destinations aren’t served by Southwest?
- Benefits of staying as a World of Hyatt member
- If you can’t find a first-time car buyer program
- Applying for a million-dollar life insurance policy
- 4. And those fees can lower your initial credit limit
- Know your rights
- Gift tax limit 2023
- 5. Search for free experiences
- May
- Cons of invoice financing and factoring
- Pros and cons of jumbo loans
- How to find an Airbnb that is high quality
- Best life insurance company for applicants with HIV: Guardian
- Best homeowners insurance in Texas for consumer experience: Nationwide
- When to consider adding additional insurance to your rental
- What do Americans predict for inflation?
- Does Section 179 cover real estate?
- Rising interest rates are making it harder for many to pay off debt
- 7. Roth IRA
- 5. Carrying a balance on this card is bad design
- 9. Try out generic labels
- How the qualified business income deduction works
- How to find the 2024 W-4
- 401(k) withdrawals
- Looking for value with less fuss? Go with the Chase Freedom Unlimited®
- Travelers home insurance rates
- Capital One vs. Chase business checking: The bottom line
- Sheraton Paris Airport Hotel & Conference Centre
- 6. How clean do you keep your car?
- What is California's standard deduction?
- 6. Raise your deductible
- What are some alternatives to borrowing?
- Credit union vs. bank: Frequently asked questions
- What kind of investment is Bitcoin?
- What is the VA loan limit?
- Frugal home expenses tips
- Is Morningstar Investor right for you?
- How did we determine the value of Marriott Bonvoy points?
- Standard deduction for those 65 or older
- How quickly could the IRS implement the child tax credit expansion?
- How to freeze your child’s credit
- What is the Medicare donut hole in 2024?
- Are 10-year Treasury notes a good investment?
- How to get a good credit score
- Invoice financing vs. factoring: Which is right for my business?
- Premium checking accounts
- Best for emergency medical coverage: Allianz Global Assistance
- Do spot Bitcoin ETFs have custodianship risk?
- How to get the PSLF waiver
- Alternatives to savings accounts
- Before your vehicle arrives
- Where to find your card’s minimum
- What you’ll pay for Medigap
- You’re taking time off from school
- FamZoo Prepaid Card
- Other ways to track down your luggage, in addition to an AirTag or Tile
- Do I have to pay New York state income tax?
- 5. It comes with other travel goodies
- When to get a CD
- Advantages of itemized deductions
- No-closing-cost mortgages
- How do I grow my home's equity?
- How much does it cost to invest in the S&P 500?
- Other tips for paying taxes on credit cards
- How to calculate quarterly estimated taxes
- 4. Klarna
- How to choose a money market fund
- Hyatt Regency Shenzhen Airport
- If you're considering booking a rental car with your Southwest card
- 5. Your spending plans
- You’ve got money left over for savings
- More reading about ETFs
- 8. Special needs trust
- Are Disney MagicBands worth it?
- 6. Inspect and test-drive the car, if applicable
- Credit unions and banks that don’t require Social Security numbers to open an account
- Find the best HELOC lender for you
- 10. Use credit cards strategically
- 5 things to know about Arizona state income tax
- SEP IRA vs. Roth IRA
- Next Steps:
- How do you get out of the Medicare donut hole?
- Medallion Qualifying Miles rollovers
- Best car insurance for seniors: ease of use
- The cons of the Southwest loyalty program
- 6. High-yield checking accounts
- 7. Do you use your car for business?
- 7. Consider usage-based or pay-per-mile insurance
- Resignation due to health issues letter example
- What if you don’t qualify for Section 179?
- What is naked short selling, and why is it illegal?
- Take action before missed payments hurt you
- What to look for in a balance transfer card
- If you’re wondering where Southwest can take you …
- Which American Airlines flights can be changed online
- Claiming tax-deductible donations on your tax return
- Do I have to update my W-4 every year?
- What apps let you buy now, pay later?
- Requirements: Who qualifies for the child tax credit?
- Gift tax limit 2024
- Next steps:
- EveryDollar, for simple zero-based budgeting
- What is hyperinflation?
- Marriott Bonvoy's exclusive transfer partners
- Discounts
- What part of my income gets taxed by California?
- Full list of the best home insurance companies in Texas
- What you can do if you have credit card debt
- Which card should you get?
- You have private student loans
- Asset allocation calculator
- The bottom line
- 11. Establish your local supermarket circuit
- How to open a CD
- Days in the cycle
- When undervalued stocks become popular
- 5. The APR runs high
- Is there any insurance that covers the donut hole?
- How do you buy 10-year Treasury notes?
- 6. Get creative with accommodations
- The bottom line
- June
- Find and compare small-business loans
- Alternatives to personal loans
- Exchange frequently? Consider a multicurrency account
- 7. Your travel card may already include travel insurance benefits
- Types of gas
- Capital One Venture Rewards Credit Card
- Primary vs. secondary coverage
- Avianca checked bag policy
- Five steps to opening an investment account for your kid
- Refinancing a VA home loan
- American Family home insurance rates
- Disadvantages of itemized deductions
- When should you freeze your credit?
- Can you pay taxes with a credit card? Yes. But should you?
- Million Miler changes
- The bottom line
- Are after-tax 401(k) contributions right for me?
- Other home office deduction rules and considerations
- How to protect against inflation
- What do the approvals mean for Bitcoin?
- Best life insurance company for consumer experience: Northwestern Mutual
- The long strangle
- When your new vehicle arrives
- State Farm member complaints
- It's best to pay more than the minimum
- Star Alliance’s sheer size remains a huge pro
- If you're considering using a baggage tracker…
- What is New York state's standard deduction?
- Alternatives to term and whole life insurance
- How to find a bridge loan lender
- 12. Consider a wholesale membership
- CD vs. savings account
- Building your business credit score
- How the lifetime gift tax exclusion works
- Are there ways to avoid the Medicare Part D donut hole?
- What if I’m enrolled in Public Service Loan Forgiveness?
- How to get Wyndham Rewards points
- Electronics
- Is solar panel installation right for your home?
- Bottom line
- Should you fly with Ryanair?
- Tips for calculating how much life insurance you need
- 7. Determine which warranties are right for you
- Last-minute travel deals, recapped
- Calculating capital gains tax on a home sale
- Greenlight Prepaid Mastercard
- Shortcuts to asset allocation
- SIMPLE IRA vs. SEP IRA
- The best homeowners insurance in Kansas
- Seller-paid closing costs
- How to adjust your Form W-4
- Marriott hotel award nights available for 50,000 points or less
- Do you pay tax on T-notes?
- The cheapest car insurance for seniors
- Are interest rates fixed on savings and checking accounts?
- Willing to spend time to maximize rewards? Go with the Chase Freedom Flex℠
- The covered call
- Consumer complaints
- Am I a resident for California state tax purposes?
- 8. Check insurance costs when buying a car
- How much does homeowners insurance cost in Texas?
- Bitcoin and volatility
- You have nongovernment owned FFEL or Perkins loans
- How to rebook your American Airlines flight for a cheaper fare
- Discounts
- Standard deduction for dependents
- Additional child tax credit
- Is the Medicare donut hole going away in 2024?
- 5. PayPal
- Jumbo loans and conforming loan limits
- Marriott Bonvoy transfer partners to avoid
- The best place to exchange currency at the end of your trip
- What if I can't repay my student loans?
- Where to find the best savings accounts
- The bottom line on short selling
- United Airlines flight delay compensation, recapped
- Types of VA home loans
- CD vs. bond
- What's next?
- Book refundable JetBlue tickets from the get-go
- More 401(k) resources
- Cons of a credit freeze
- Next Steps
- 7. Stock up on snacks at the supermarket
- New choice benefits for SkyMiles elites
- Are these the best dividend stocks?
- July
- Which type of life insurance should I put in a trust?
- Consumer experience
- Disney FastPass cost recapped
- Term vs. whole life insurance tool
- Am I a resident for New York state income tax purposes?
- American Airlines delayed flight compensation recapped
- Bridge loan alternatives
- 13. Look at the price per unit
- What's next?
- Charitable deductions 2023
- How to estimate taxes for an income tax extension
- Could I lose my money in a checking or savings account if the bank fails?
- Find local conforming loan limits
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- 6. The amount you will travel
- State Farm’s spending on care
- If you fly Virgin America first class
- How much does homeowners insurance cost in Kansas?
- Where to exchange currency: Frequently asked questions
- Other ways to get help
- The bottom line
- Why are California gas prices so high?
- 8. Negotiate the best price
- Consumer complaints
- Types of CD strategies
- Advantages of the standard deduction
- When can't you take the standard deduction?
- 2023-2024 lifetime gift tax exemption
- The bottom line
- Credit cards that earn Chase Ultimate Rewards®
- Ways to get the best jumbo mortgage rates
- Best life insurance company for coverage amounts: New York Life
- Average cost of homeowners insurance in Texas by city
- Walmart MoneyCard
- How many times can you use a VA home loan?
- How to manage stock trading risks
- Credit freeze or credit lock?
- Empower Personal Dashboard, for tracking wealth and spending
- Should I have my checking and savings accounts at the same bank?
- Which card should you get?
- Will you owe capital gains taxes on your home sale?
- Consumer experience
- Now you know how to navigate JetBlue refund requests
- Alternatives to buy now, pay later
- How to claim the child tax credit in 2024
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- What is the perfect credit score, and how many people have it?
- August
- What do the approvals mean for other crypto investments?
- Travelers vs. competitors
- What’s next?
- 14. Understand sale cycles
- 8. Get travel insurance
- How to pay estimated taxes
- 6. Sezzle
- Why not both?
- 3. Make the most of your savings
- The synthetic long
- Average cost of homeowners insurance in Kansas by city
- How much is my 2023 standard deduction?
- Important considerations when opening a Roth IRA
- Who can access your frozen credit reports?
- What you can learn from the average 401(k) balance
- The cheapest home insurance in Texas
- Capital One QuicksilverOne Cash Rewards Credit Card
- Types of stock charts and how to read them
- If you’re considering booking a rental car with your Chase Freedom credit card
- Additional checked baggage fees
- Additional benefits
- Summary: 2021 THDA first-time home buyer programs
- 9. Maximize trade-in value, if applicable
- How to avoid capital gains tax on home sales
- If you’re choosing between Hyatt Place and Hyatt House
- What are CD rates right now?
- More reading for active investors and traders
- What is credit card consolidation?
- Average cost of homeowners insurance in Kansas by city
- After deciding
- How much is the gift tax rate?
- The bottom line
- Does the president control gas prices?
- When to expect your child tax credit refund
- Are there drawbacks to investing in the S&P 500?
- September
- If you want to leverage Marriott’s transfer partners ...
- Best life insurance company for permanent life insurance: Pacific Life
- State Farm Medicare Supplement Insurance service area
- 9. Design trips that accommodate a range of family budgets
- Frequently asked questions about estimated tax payments
- Best for those who pack expensive equipment: Travel Insured International
- The married put
- 7. Your Chase 5/24 count
- Is consolidating credit card debt a good idea?
- 10. Make the purchase
- The bottom line
- The cheapest home insurance in Kansas
- What are promotional CD rates?
- Standard deduction vs. itemized deductions
- The bottom line
- What to know about Texas homeowners insurance
- Low-fee alternatives to prepaid cards
- 2023 vs. 2024 standard deduction
- W-4 calculator
- 7. Zip
- How does the Israel-Hamas war affect gas prices?
- Consequences of a child tax credit error
- How to avoid gift tax
- Budget family travel, recapped
- If you’re thinking of joining the Southwest Airlines loyalty program
- California state tax credits
- If you're considering the Chase Sapphire Preferred® Card
- State Farm Medigap customer service
- Other home insurance companies to consider
- October
- PocketGuard, for a simplified budgeting snapshot
- FHA vs. conventional loans: Summary
- The bottom line
- How taxes on real estate, rental, and investment sales work
- What to know about Kansas homeowners insurance
- When to claim the standard deduction
- Next steps
- Where to trade stocks
- What else to know about Form W-4
- If you want to use your Marriott free night certificate
- Best life insurance company for customer satisfaction: State Farm
- Financing your franchise
- Cheapest for 30-year-old drivers
- State child tax credits
- Compare alternatives
- Cheapest car insurance for seniors by state
- Is there an over-55 home sale exemption?
- November
- NYC income tax rates
- What is the $500 credit for other dependents (ODC)?
- Compare buy now, pay later apps
- Best for adventurous travelers: World Nomads
- About State Farm
- What are tax deductions?
- The bottom line
- Cash App debit card: Prepaid-like option
- Child tax credit vs. child and dependent care credit
- How to get the best car insurance rates for seniors
- Should you use a buy now, pay later app?
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- The bottom line on how to read stock charts
- Best life insurance company for older applicants: AARP
- Best prepaid debit cards: Summary
- December
- Honeydue, for budgeting with a partner
- Industry franchise guides
- What are prepaid debit cards?
- What does a 1099 employee mean?
- 4. Be persistent
- How to track your California state refund
- Texas Department of Insurance
- 6 things to know about New York state income tax
- What are tax write-offs?
- Best for medical coverage: Travelex Insurance Services
- Best term life insurance companies of 2024
- How to find cheap American Airlines flights
- Looking for more insurance in Texas?
- Prepaid debit cards vs. regular debit cards
- Kansas Insurance Department
- Best whole life insurance companies of 2024
- California state sales tax
- Alternatives to the best whole life insurance
- How to make money from home
- Budgeting resources from NerdWallet
- Alternatives to buy now, pay later
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- Frequently asked questions about prepaid cards
- How do you claim tax deductions?
- Best no medical exam life insurance companies of 2024
- Cheapest car insurance by state
- 5 things to know about California state tax
- More about whole life insurance
- How to claim small-business tax deductions
- Getting cheap AA flights when rebooking recapped
- How to choose the best life insurance company
- Methodology to identify the best budget apps
- Best if you have travel credit card coverage: Seven Corners
- Pros and cons of starting a vending machine business
- More about top-rated life insurance companies
- How to get cheap car insurance
- Other ways to earn Chase Ultimate Rewards®
- Benefits of starting a sustainable business
- First-time home buyer programs near New York
- Cheapest for 40-year-old drivers
- Risks of getting cheap auto insurance
- More about top-rated life insurance companies
- How to make money offline
- Fine print
- Best for long-term travelers: IMG
- National first-time home buyer programs
- The bottom line
- Now is the time to pursue your sustainable business idea
- Why you can trust NerdWallet
- Best for travelers with unpredictable work demands: Tin Leg
- Best for booking travel with points and miles: TravelSafe
- Cheapest for 50-year-old drivers
- Best for group travel insurance: HTH Insurance
- Types of travel insurance
- Watch out for making money scams
- Cheapest for 60-year-old drivers
- What does travel insurance cover?
- What’s not covered?
- How much does it cost?
- Do I need travel insurance?
- How to choose the best travel insurance policy
- Cheapest for 70-year-old drivers
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- Methodology
- Cheapest car insurance for military families
- How to get cheap car insurance in California
- Minimum auto insurance requirements in California
- 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.