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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- 2. How much down payment will I need?
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- April
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- 4. Leverage memberships
- 3. Think 'SMART'
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- 4. You’ll get a small introductory bonus
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- 5. Apply for a card you can get
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- 3. ... But it will still cost you to hold the card
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- 9. Borrow against life insurance
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- 5. Stay vigilant about fees
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- 6. Confirm the check details and complete the deposit
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- Step 3: Choose your lender and loan
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- How to handle these bills
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- 5. Financing options are available, but proceed with caution
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- May
- 7. Keep the check until it's processed
- What is a short squeeze?
- Types of 1099 forms
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- What state has the lowest gas prices?
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- 6. Are you doing a hard credit check on me today?
- The bottom line
- Discounts
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- 11. Look for a payday alternative loan
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- 4. Write them down
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- How to complain about American Education Services
- What if my financial situation changed after I filed the FAFSA?
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- 5. Health Resources and Services Administration Faculty Loan Repayment Program
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- 4. You may qualify for perks, but not rewards
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- 5. Opt for economy cars
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- 6. Reallocate your portfolio
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- 5. Treat yourself
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- What part of my income gets taxed by California?
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- How do I grow my home's equity?
- How to find AI ETFs
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
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- 12. Get a personal loan
- What else you need to know
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- How to avoid business loan default
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- Travel ID requirements for kids recapped
- 6. High-yield checking accounts
- 7. Do you charge for an interest rate lock?
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- Consumer complaints
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- Step 4: Gather loan documents
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- How to calculate your monthly payment
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- Bottom line
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- 4. Varo: Best for existing bank customers
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- Making the call
- 2024 lifetime gift tax exemption
- June
- How do you buy 10-year Treasury notes?
- 5. You may qualify with no Social Security number
- How to report dividend income on your taxes
- Days in the cycle
- Who needs full coverage car insurance?
- Do I have to update my W-4 every year?
- Do you ever need to change your EIN?
- Your next step
- 6. National Institutes of Health Loan Repayment Programs
- Consumer experience
- What are the fees for an IRS payment plan?
- 5. Pay for an international plan add-on
- When should you freeze your credit?
- 13. Rent out a room
- AARP Medicare Advantage plan types
- 6. Stick to one driver
- How are gas prices determined?
- When did all of the tech layoffs start?
- How can I avoid cashier's check fraud?
- How to settle a dispute with American Education Services
- The long strangle
- If you inherit or bequeath something, watch out for capital gains tax
- 8. Will I have to pay mortgage insurance?
- Am I a resident for California state tax purposes?
- Economy class travel tips
- See if zero-based budgeting is right for you
- Additional Aetna benefits
- How to pick seats on Spirit Airlines
- United Economy Plus
- How to get a loan from a credit union
- Best custodial Roth IRAs
- Rent vs. inflation
- Compare alternative plans
- Best Android personal expense tracker apps
- Is the SENTRI Pass worth it?
- How to pay estimated taxes
- Home equity loan requirements
- Do you pay tax on T-notes?
- How much does homeowners insurance cost in South Carolina?
- How to control your dividend tax bill
- Full list of the best homeowners insurance in Missouri
- How do you invest in the stock market?
- Where to find the best savings accounts
- Finding a car you can afford
- Why do I need a business credit score?
- How to evaluate dividends
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Discounts
- How to adjust your Form W-4
- Recap: How to get a cashier's check
- First-time home buyer programs near Colorado
- 5 things to know about Virginia state income tax
- If you want to obtain a SENTRI Pass
- Jumbo loans and conforming loan limits
- Who pays the gift tax?
- Average money market account rate: 0.66%
- July
- Next Steps
- Cons of a credit freeze
- The bottom line on short selling
- How to earn or redeem TrueBlue points with other JetBlue travel partners
- Could we be in an AI bubble?
- Upgrade Cash Rewards Visa®
- Should you file a claim for plumbing problems?
- 14. Moonlight as a dog sitter
- The bottom line
- AARP Medicare Advantage service area
- 7. Use your own insurance
- What's next?
- What are the best Vanguard index funds?
- The cost of veterinary care
- What if you lose your EIN?
- 7. Indian Health Service Loan Repayment Program
- If you're looking for the best way to use your cell phone abroad
- Are these the best dividend stocks?
- Aetna Medicare Advantage plan types
- Spirit Airlines seat selection fees
- 5. Dave: Best for repayment flexibility
- What are the disadvantages of sole proprietorship?
- You might also like:
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- Find local conforming loan limits
- Step 5: Submit your application and get funded
- 2024 state income tax rates and brackets
- Factors that don’t affect your credit scores
- Do you pay taxes when you receive a gift?
- Are home equity loans a good idea?
- How do I get my business credit score?
- 15. Become a rideshare or delivery driver
- Consumer complaints
- Off-Strip hotels without resort fees
- How much does homeowners insurance cost in Missouri?
- Credit union vs. online lender
- When will interest rates go down?
- American Opportunity Tax Credit vs. Lifetime Learning Credit
- 9. What will my monthly payment be?
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- Frequently asked questions about estimated tax payments
- Apple Card
- Average cost of homeowners insurance in South Carolina by city
- Investor-friendly
- Types of gas
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- Ways to get the best jumbo mortgage rates
- How do I make changes to an IRS installment agreement?
- The bottom line on how to research stocks
- Credit freeze or credit lock?
- How much money can you make on YouTube?
- Empower Personal Dashboard, for tracking wealth and spending
- 16. Cut your insurance premiums
- 8. Forgo the extras
- Is Global Entry worth it?
- How to improve your credit
- Is the gift tax deductible?
- August
- How to prevent plumbing problems
- Varo Believe Secured Credit Card
- How to save on full coverage car insurance
- 10. Do you have an origination fee?
- 8. Military loan repayment programs
- If you’re debating Royal Caribbean vs. Disney Cruise Line
- AARP customer service
- Education tax forms
- The synthetic long
- Is Main Cabin Extra worth it on American Airlines?
- Can I apply for an IRS payment plan myself?
- The Platinum Card® from American Express
- How much is the gift tax rate?
- Who can access your frozen credit reports?
- Final thoughts on Turkish Airlines economy class
- The cheapest home insurance in South Carolina
- What you can learn from the average 401(k) balance
- Discover it® Secured Credit Card
- Important considerations when opening a Roth IRA
- Final thoughts on the different United economy fare classes
- Consumer experience
- Average cost of homeowners insurance in Missouri by city
- Next steps
- 6. MoneyLion: Best for existing customers
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- How pet insurance can reduce surprise bills
- More reading for active investors
- The difference between interest rate and APY
- Aetna third-party ratings
- 17. Consolidate your debt
- Best for those who pack expensive equipment: Travel Insured International
- 9. Price out prepaid gas
- How’s the stock market doing?
- 11. What other costs will I pay at closing?
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Types of stock charts and how to read them
- More reading for active investors and traders
- Should you invest in AI stocks?
- Next steps
- Don't qualify for dental student loan forgiveness?
- How can I check and monitor my credit?
- September
- Earn an audience, and earn more in the long run
- All-inclusive cruises aren’t the whole story
- Why are California gas prices so high?
- 12. How — and how often — will I be updated on the loan’s progress?
- What to know about South Carolina homeowners insurance
- Which type of financial advisor is right for me?
- Are dividends taxed?
- 18. Refinance your student loans
- Spirit Airlines fee bundles
- 10. Walk or ride
- The cheapest home insurance in Missouri
- Who should avoid American Airlines?
- If you're ready to start a budget
- Common gift tax return triggers
- Find the right Medicare Advantage plan
- 13. Do I have to sign all the paperwork in person?
- California state tax credits
- What is credit card consolidation?
- Next steps
- 19. Change your cell phone plan
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Latest mortgage interest rates
- Other ways to make money
- What investment return should I expect from a financial advisor?
- Mission Lane Visa® Credit Card
- Where AAA stands out
- Credit cards and elite status can improve your overall experience
- W-4 calculator
- How to lower your pet insurance cost
- How the FDIC calculates national rates
- October
- Transfer points to your TrueBlue account from Chase, Citi or American Express
- FHA vs. conventional loans: Summary
- PocketGuard, for a simplified budgeting snapshot
- Avoid risky loans
- What to know about Missouri homeowners insurance
- How to prevent cyberattacks
- Apparel and shoes
- If you're considering flying American Airlines ...
- How does credit card consolidation work?
- Investing
- How to get resort fees waived
- Cheapest for 30-year-old drivers
- 14. How long until my loan closes?
- Best for adventurous travelers: World Nomads
- Where AAA falls short
- Does the president control gas prices?
- What else to know about Form W-4
- Blue Cash Preferred® Card from American Express
- Aetna Medicare Advantage service area
- 8. Klover: Best for no-fee advances
- November
- What are tax deductions?
- Traveler-friendly
- When to pay the resort fee
- Is consolidating credit card debt a good idea?
- Prosper® Card
- Is AAA home insurance right for you?
- OK, what's next?
- How does the Israel-Hamas war affect gas prices?
- Frequently asked questions
- More resources
- Spirit Saver$ Club
- South Carolina insurance department
- Grow Credit Mastercard
- Other insurance companies to consider
- What is freight factoring?
- Best stocks for beginners
- Cardless Mastercards
- Can I still use my credit card after debt consolidation?
- If you’re heading to Las Vegas
- If you’re considering an upgrade to United Premium Plus
- Mortgages
- Spirit Airlines seat selection for elite members
- Teen-friendly
- December
- The bottom line on how to read stock charts
- Honeydue, for budgeting with a partner
- Best for medical coverage: Travelex Insurance Services
- Pros and cons of loan apps
- Aetna customer service
- Do I need a factoring company for trucking?
- How to track your California state refund
- Capital One QuicksilverOne Cash Rewards Credit Card
- The bottom line on investing in stocks
- Other ways to pay your taxes
- Cheapest car insurance by state
- What are tax write-offs?
- Spirit Airlines seat selection recapped
- The bottom line
- Decide the best use of Bonvoy points for you
- Missouri insurance department
- California state sales tax
- U.S. Bank Cash+® Visa Signature® Card
- What is a 1099 employee?
- How much do factoring companies charge?
- How to make money from home
- How do you claim tax deductions?
- Capital One Platinum Credit Card
- Budgeting resources from NerdWallet
- Migrant-friendly
- Looking for more insurance in Missouri?
- Beauty and personal care
- 5 things to know about California state tax
- Best if you have travel credit card coverage: Seven Corners
- Other home insurance companies to consider
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- OpenSky® Secured Visa® Credit Card
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- Personal loans
- Alternatives to freight factoring
- Methodology to identify the best budget apps
- Final thoughts
- AvantCard Credit Card
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Emerging
- Best for long-term travelers: IMG
- Alternatives to cash advance apps
- Best travel insurance for older adults recapped
- Cheapest for 40-year-old drivers
- Student loans
- Blue Cash Everyday® Card from American Express
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- How to make money offline
- Cred.ai Credit Card
- Methodology
- Citi Custom Cash® Card
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- Best for travelers with unpredictable work demands: Tin Leg
- Entertainment
- Taxes
- Neobanks we’ve reviewed
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- Travel rewards
- Apple Card
- Full list of the best car insurance companies
- Get your free birthday stuff and deals
- Chase Sapphire Reserve®
- Best for booking travel with points and miles: TravelSafe
- Best car insurance companies by state
- GO2bank Secured Credit Card
- Venmo Credit Card
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- Best for group travel insurance: HTH Insurance
- How to find the best car insurance
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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.