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. Ask for a retention offer
- 3. Open a new card
- 4. Focus on flexibility
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- 8. Stack your rewards
- 9. Get out of your comfort zone
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- January
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- Step 1: Check your credit
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- 1. Get help with utility bills and groceries
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- How a cash advance works
- Step 1: Take inventory of your skills
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- Deciding factors
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- What is trip cancellation insurance?
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- 1. Check what you already have and make a list
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- 1. Set your budget
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- 1. Your information
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- 1. Clean up your credit
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- Shop around
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- Where should you start?
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- 4 ways to invest 20K
- 1. Fill out the FAFSA
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- Key takeaways
- Petra’s location
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- Best ways to consolidate credit card debt
- A
- If you're not getting Social Security yet
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- 1. Participate in paid market research
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- How to find your EIN
- How does a 401(k) work?
- How does Apple Cash work?
- Your own insurance usually comes first
- Hotels
- How to make money online
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- What minimum credit score is needed to buy a car?
- If you have private insurance
- Why Square is the better choice
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- At a glance
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- Types of corporate bonds
- 2. Limit your shopping trips
- How the cards compare
- How to book a business class ticket with Air Canada
- Be flexible and pack light
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- How to understand the calculator results
- 2. Check number
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- Which projects qualify for the home improvement credit?
- Have excellent credit
- Do you prefer cash back or points you can apply toward travel?
- Fundation loan details
- What is the property tax deduction limit?
- 1. Affirm
- Complete the consolidation application
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- Examples of personal finance in everyday life
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- Key similarities
- 2. Find money for child care
- Step 2: Focus on monetizable skills and ideas
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- 1. Save money by looking to second cities
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- YNAB, for hands-on zero-based budgeting
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- 2. Become a virtual assistant
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- 2. Cash management accounts
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- Frugal shopping tips
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- 3. Stick to your list
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- American Airlines
- 3. The date
- Check your number online
- Communication and automation tools
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- Projected student loans could surpass the federal cap
- February
- Air Canada seat selection fees
- What hotels do not require a credit card?
- How the annual gift tax exclusion works
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- 2. Search for scholarships
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- 2. Shop for a loan
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- Debt consolidation calculator
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- 3. Recover unclaimed money
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- 4. Pay attention to prices
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- 4. The recipient's name
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- 3. Transcribe audio and video
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- Make frequent payments
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- Reevaluate your budget
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- Shop around
- 2. Rebalance your debts and income
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- 2. You’ll earn points, but no bonus
- 2. Stretch your budget by being flexible with travel dates
- How we got here
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- Step 3: Research the top places to make money online
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- How to add or delete a school on your FAFSA
- How to qualify for Freddie Mac Refi Possible or Fannie Mae RefiNow
- 3. Award charts will help you plan your travel
- C
- 2. Make a larger down payment
- More expensive debt
- Have a conversation
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- Fiduciary duty vs. suitability standard
- HSA-eligible expenses
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- Why are eggs so expensive?
- Sign up for autopay
- How to get car insurance quotes
- Standby for free on all routes
- 2. Afterpay
- Wells Fargo joint account
- Don’t miss the deadline
- 3. High-yield money market accounts (MMAs)
- How to calculate APY
- How to set up bill pay
- Can you negotiate mortgage origination fees?
- Mortgage selection tips
- 3. Choose an affordable school
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- Use a budget planner
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- Stick to the standard repayment plan
- How Net 30 shows up in reporting
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- Is a HELOC a good idea?
- 4. Sell stuff online
- March
- Best car insurance in Texas for your budget: State Farm
- Cheapest for 20-year-old drivers
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- Student loan interest calculator
- How to fill out Schedule C
- Learn more:
- 4. Get down payment assistance for a home
- What should you consider?
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- Choose the least expensive high-interest debt
- The bear put spread
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- Are brokerage fees tax-deductible?
- How your credit score affects your rate
- How much is tow truck insurance?
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- What is exempt from Texas sales tax?
- Your auto loan needs to work for your situation
- 3. Determine other ownership costs
- Should you refinance?
- 5. The payment amount
- How can I lower my FHA mortgage payment?
- Who should consider this option?
- Does Hulu allow password sharing?
- Heat pump tax credit 2023
- Where do you spend the most money?
- Where Fundation falls short
- 2. Empower: Best for fast cash
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- 6. Avoid online grocery shopping
- Decide what type of account you want: checking vs. savings
- Delta Air Lines
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- How to save money when applying
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- Price vs. yield
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- I bonds calculator
- Get any discounts that apply
- Capital One Venture Rewards Credit Card
- How to meet your monthly savings goal
- Capitalization increases interest costs
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- Where the money comes from
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- Know what to do if the airline cancels your flight
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- REITs' average return
- 4. Earn more with an AmEx credit card
- 6. Memo line
- 3. Consider paying points
- When to sign up for Medicare
- Delta Air Lines
- Share the repayment responsibility
- What to do when your bank account is frozen or closed
- 3. It offers highly specific perks
- How does Hulu fit into your budget?
- 5. Housesit
- What it means for your money
- How to book a hotel without a credit card
- Who can open a joint business account
- Improvements to basic economy
- Compare business loans
- Best in Texas for having few consumer complaints: Chubb
- What to ask your credit card issuer
- Cut expenses and increase income
- Other factors can help you buy a car with bad credit
- Are physician home loans a good idea?
- Pay more than the minimum, if possible
- State and institutional FAFSA deadlines
- When you should lock your mortgage rate
- How do I check my tax return status?
- Reliability
- Check for discounts
- The Federal Trade Commission’s budget worksheet
- How does the cost of Apple TV+ fit your budget?
- When is the FAFSA corrections deadline?
- Benefits of the new Freddie Mac and Fannie Mae refinance options
- What are the credit score ranges?
- Is Net 30 right for your business?
- Why you’d want the American Express® Gold Card
- CASH BACK CREDIT CARDS
- 3. Don’t ask for too much cash
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- Gift tax limit 2024
- Finding the right American Express card for you
- Goodbudget, for hands-on envelope budgeting
- When can you sign up?
- Top credit cards that offer preapproval without a hard pull
- 4. Peer-to-peer lending
- Not just 2 refinances — 4
- Why you might want SumUp instead
- Travel-friendly features
- Earned income tax credit 2024
- When are state taxes due in 2024?
- Who collects TX sales tax?
- 7. Calculate your burn rate
- 4. Find the right car for you
- The cost of debt without a balance transfer
- 7. Bank name
- Request your passport number from the State Department
- How do streaming services fit into your budget?
- Domino's franchise costs
- Don't forget to check the limits to savings withdrawals
- Google Pay
- 3. Get compensated if your travel is delayed
- Best stock market simulators
- Customer experience
- What is the average return of the S&P 500?
- Treasury bond and note calculator
- Using the mortgage points calculator
- How to write off property taxes if you bought or sold a house this year
- Capital One joint account
- 5. Find tax credits for health insurance
- How to pay for a new deck
- Top options for tow truck insurance
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- Figure out who's responsible
- 6 types of dividends
- Other opportunities to pay off student loans faster
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- How do I know if I'm working with a fiduciary financial advisor?
- April
- How to claim the home improvement credit
- Why is there an egg shortage?
- How to find another company's EIN
- 3. Apple Pay Later
- Factors to consider before paying rent with a credit card
- Airlines
- Schedule C: Tips and tricks
- Who is covered?
- What's next?
- More about these investment expenses
- APR vs. APY: What’s the difference?
- Why haven't I received my tax refund?
- Who might prefer the Apple Card
- Frugal DIY project tips
- 4. Use grants if you qualify
- Consider alternative travel arrangements
- Eligible child and dependent care expenses
- Types of REITs
- The bottom line
- What to do once your Equifax credit freeze is in place
- E
- 8-9. Routing and account number
- Is it a good idea to consolidate credit cards?
- Most popular cash back card reviews
- 4. Get access to a personal advisor
- Do I have to pay California state tax?
- How to apply for a joint business bank account
- Key differences
- 6. Apply for college grants
- OpenSky® Secured Visa® Credit Card
- Federal FAFSA deadline
- For Medicaid beneficiaries
- Today’s rates for specific kinds of mortgages
- Who is covered by Chase trip cancellation insurance?
- Do I need my birth certificate to get a passport if born overseas to American parents?
- Texas sales tax holiday
- 8. Follow your favorite brands
- The bottom line
- How to get a Freddie Mac or Fannie Mae refinance
- 4. Take advantage of first-time home buyer programs
- Set up automatic transfers to boost your savings yields
- TurboTax vs. TaxAct: Support
- Additional child tax credit
- How are HELOC payments calculated?
- 6. Write online reviews
- Decide between fixed and variable
- Best car insurance in Texas for having few customer complaints: Chubb
- Gift tax limit 2023
- Downsides to upgrading the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
- How to get a bigger property tax deduction
- Partial payment credit is possible after April 30
- Best homeowners insurance in California for consumer experience: Nationwide
- Can other types of data help my credit reports?
- How to find a physician loan
- Consider your get-out-of-debt options
- What to consider
- What states are increasing minimum wages in 2024?
- How to get an Uber Eats Pass for free or a discount
- How to invest in dividend stocks
- Work on your credit
- How do corporate bonds work?
- More ways to take charge of your budget
- Find a bank that suits your needs
- How to update tax information on the FAFSA
- Which plumbing problems aren’t covered?
- United Airlines
- Applying during the general enrollment period
- Impact on home buyers
- How does a debt consolidation loan work?
- Other cash back card reviews
- W-4 form 2024
- Is United’s basic economy worth it?
- Why is the 10-year Treasury yield important?
- What’s the difference between the Dow Jones Industrial Average and the S&P 500?
- Is the energy efficient home improvement credit refundable?
- Step 3: Choose your lender and loan
- Credit-related deal breakers
- 3. EarnIn: Best for large advances
- How to store the Bitcoin you buy
- The long straddle
- 5. Online savings accounts
- How to handle your state tax liability
- How to qualify for the earned income credit
- How to refinance federal student loans
- Get more help with monthly budget planning
- How much to keep in your savings account
- 5. Contact the seller or visit a dealership
- Types of life insurance trusts
- F
- Should you refinance parent PLUS loans?
- 4. Consider a co-signer
- 5. Appearances matter
- Treasury bills calculator
- Pick the shortest term you can
- How to check in to a hotel without a credit card
- Chase Freedom Flex℠
- Online joint bank accounts
- When do I start accruing interest?
- The bottom line
- Capital One SavorOne Cash Rewards Credit Card
- How to invest in AI stocks
- Step 4: Evaluate and pivot
- ESG investing vs. socially responsible investing vs. CSR
- Protections: Shopping and travel benefits
- Discounts
- What are the other 2024 tax deadlines to know?
- How to unfreeze your credit with Equifax
- How do balance transfers work?
- Do debt consolidation loans hurt your credit?
- If you're looking to apply for Global Entry
- Media layoffs soared as companies struggle to profit
- Best life insurance company for applicants with HIV: Guardian
- How to prevent your bank account from being closed or frozen
- Pre-tax vs. Roth 401(k)
- When are New York state income taxes due?
- 7. Start a blog
- May
- How to calculate your credit
- Why are eggs so expensive in California?
- How the lifetime gift tax exclusion works
- Best homeowners insurance in Texas for consumer experience: Nationwide
- What are some types of e-commerce revenue models?
- Is a backdoor Roth IRA worth it?
- Why doesn’t my report show a credit score?
- How to file a Capital One rental car insurance claim
- Why you might still book rental cars in advance
- How to save money on professional liability insurance
- Estimate your 2024 IRS tax refund date
- Bottom line
- Can you deduct TX sales tax?
- 9. Try out generic labels
- 5. Get a work-study job
- How to calculate quarterly estimated taxes
- Be prepared to extend your trip
- How to send money to others
- How much does a fiduciary financial advisor cost?
- What is California's standard deduction?
- Types of stock classes
- 401(k) withdrawals
- What are fleet cards?
- LLC payroll taxes
- Can you get cash back with Apple Pay?
- Know the implications of consolidation
- Watch out for scams
- Next steps
- How compound interest works
- Which trips are eligible for Chase trip cancellation insurance?
- Is Uber Eats Pass worth it?
- Frugal home expenses tips
- What to expect when you open your new account
- What if my financial situation changed after I filed the FAFSA?
- 5. Shop around with multiple lenders
- Medicare late enrollment penalties
- JetBlue
- When debt consolidation isn't worth it
- How to find the 2024 W-4
- When to expect your child tax credit refund
- Do I have to pay New York state income tax?
- Disadvantages of HSAs
- Credit union personal loan rates
- Are 10-year Treasury notes a good investment?
- 8. Game on Twitch
- How to change or cancel an EIN
- How to rent an apartment if you have credit challenges
- How student loan payments are applied
- Other Roth IRA rules
- Pros and cons of softsided luggage
- Other low-cost options to consider
- Minimum wage increases
- Update your coverage
- Alternatives to savings accounts
- Who counts as a qualified care provider?
- G
- 10. Signature
- Why you’d get both
- What happens to a 710 credit score with a late payment?
- Find the best HELOC lender for you
- Best car insurance in Texas for ease of use: Farmers
- How to upgrade the Chase Sapphire Preferred® Card to the Chase Sapphire Reserve®
- 4. Klarna
- If you want to get a free upgrade
- Rental cars
- Full list of best homeowners insurance in California
- How to build your credit before car shopping
- 10. Use credit cards strategically
- 6. Work for an employer that pays for college
- Petra hotel you can book with points
- 6. Inspect and test-drive the car, if applicable
- A rising rate environment
- Consider co-signing
- What else you need to know
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- 7. Determine which warranties are right for you
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- Who pays the gift tax?
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- 12. Create a podcast
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- Fleet fuel cards: benefits and drawbacks
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- 8. Negotiate the best price
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- L
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- Is the gift tax deductible?
- Now you know how to navigate JetBlue refund requests
- ESG investing: How to get started
- 14. Understand sale cycles
- 8. Borrow private loans as a last resort
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- 6. Sezzle
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- 14. Tutor
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- 6. MoneyLion: Best for existing customers
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- What else do credit bureaus do?
- Best travel insurance for hurricane season
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- Bottom line: Is it worth claiming the child and dependent care tax credit?
- Best life insurance company for permanent life insurance: Pacific Life
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- 15. Rent out items
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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.