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.
- Definitions: Money Transfer Rates
- Life insurance buying guide
- Bluevine Business Checking
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- Ready to get started? Here's what to do next
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- What is a W-4?
- Dividend definition
- 6 steps to opening a Roth IRA
- What is a budget planner?
- What is stock trading?
- What is the home office deduction?
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- About Roth IRAs
- What is invoice factoring?
- Find the right business loan
- What is a fiduciary?
- What is a home equity line of credit?
- What is a REIT?
- What is the gig economy?
- What is ESG?
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Quick tips for where to exchange currency
- 5 Best Ways to Send Money Internationally
- How to make money in stocks
- Stocks
- How to buy Berkshire Hathaway stock
- Work from home jobs often pay more
- Are game show winnings and prizes taxable?
- Best-performing gold ETFs
- What is a 401(k) rollover?
- About American Family renters insurance
- Investing money is personal
- Determining how much mortgage I can afford
- Credit union vs. bank: Differences at a glance
- What is margin trading?
- High-dividend ETFs may generate income
- What is Medicare?
- What is a spot Bitcoin ETF?
- About Citizens home insurance
- How does a 5-year adjustable-rate mortgage work?
- Fee-only vs. fee-based
- What’s included in the cost of Peacock Premium?
- 5 steps to fill out a money order
- Good credit utilization follows the 30% rule
- 1. Genie+
- What are dividend stocks?
- What is passive income?
- ETF meaning
- 1. Simplicity
- Best Prepaid Debit Cards
- Best Medicare Advantage companies
- You can't upgrade from TSA PreCheck to Global Entry
- What is a solo 401(k) plan?
- Spotify Free
- What is an Escape Lounge and who can access them?
- Non-QM loans: flexibility at a cost
- What to know before getting The Platinum Card® from American Express
- Institutions with low or no overdraft fees
- How much should you spend on rent? It depends
- 7 of the best apps to make money
- 1. Not figuring out how much house you can afford
- What is a goodwill letter or late payment removal letter?
- In this article
- What does a credit freeze do?
- How is the Medicare IRMAA calculated?
- What's the best S&P 500 ETF?
- How do CDs work?
- Money market account vs. CD: The difference
- 1. Even more co-branded credit cards to choose from
- What is home equity?
- Where can you find the best 30A Florida beach?
- Making a contingent offer on a home
- Step 1: Choose your health insurance marketplace
- All about the Schumer box
- What is Early Warning Services?
- Why are more people defaulting on car loans?
- Airlines in the Star Alliance
- 1. Formalize your LLC
- Check the Federal Student Aid site
- Credit card consumer protections improved
- Medical insurance
- How to get paid on YouTube
- The change
- United fare classes: The differences
- What is Global Entry?
- Marriott Bonvoy credit card overview
- 1. Find the lowest fares easily on desktop
- Make sure the car qualifies for road testing
- What you need to open a bank account
- Calculate your debt-to-income ratio
- Make sure you get the bonus
- What kinds of coupons does Etsy have?
- 1. Sizable welcome bonus
- How much are taxes on lottery winnings?
- No credit vs. bad credit: What’s the difference?
- What are Vanguard index funds?
- 7 best-performing AI stocks
- 1. Leverage free trials
- How much are United miles worth?
- Shared services at the Disney Swan and Dolphin
- Closed-end fund definition
- 1. Certificates of deposit (CDs)
- What is double-entry accounting?
- The best car insurance
- 1. Open an IRA
- General advice for international money transfers
- What is a Peloton? The Bike vs. Bike+
- Why is having a low credit utilization important?
- Frugal food tips
- 1. The Centurion Black Card is invitation-only
- Here are six common credit card scams to watch out for
- 21 Small-business tax deductions
- Questions to ask before hiring your first employee
- 40 best startup business ideas
- Welcome offer and ongoing rewards
- How does financing a business work?
- How do LLC taxes work?
- Why you'll like the Apple savings account
- What are credit freezes and credit locks?
- Why your credit score matters
- Tread depth
- Massachusetts state income tax rates and tax brackets
- How do CDs work?
- What does homeowners insurance cover?
- How to estimate your home insurance
- What is an REO property?
- How to calculate your car lease payment
- 1. Pick your travel style
- Credit union advantages
- Wingstop franchise information
- How does a second mortgage work?
- 25 side business ideas to try this year
- The best budget apps
- 1. It earns 5% back in some useful categories ...
- Where they're based and where they fly
- 1. Sell spare electronics
- How to start a carpet cleaning business in 8 steps
- Key loan terminology
- What are AI ETFs?
- Create a budget plan that works for you
- Frontier boarding groups
- Can you cancel your Frontier Airlines flight?
- What is options trading?
- Factors we considered when picking travel insurance companies
- California state income tax brackets and rates
- 1. Start investing as early as possible
- January
- Activate quarterly 5% rewards categories
- 1. Backup camera
- About Samsonite and Travelpro
- Emergency contraception: Avoiding pregnancy after unprotected sex
- Best-performing REIT stocks: April 2024
- Do you have to tip an Uber driver?
- Best business cards with no personal guarantee
- Your portfolio might need to chill
- Small-business employment statistics
- CD early withdrawal penalty calculator
- The value of Marriott Bonvoy points
- Is the stock market crashing?
- Auto insurance
- Take stock of your credit card accounts
- 50/30/20 budget calculator
- What is a cash-out refinance?
- 1. Find a payment strategy or two
- Travel perks galore: The Business Platinum Card® from American Express
- Late winter and early spring
- Difference between Medicare and Medicaid
- Where can I cash my coins?
- Key takeaways
- 5 best money market mutual funds by yield
- Best day to book a flight
- Do you need inland marine insurance?
- 1. Find your inspiration
- When transferring a balance: Yes
- What are gold stocks?
- Best ways to consolidate credit card debt
- Travel rewards
- The main differences between Delta Comfort Plus vs. main cabin
- Why buying a home in 2021 will be tough
- 1. You can use it only on certain health care purchases
- What is the gift tax?
- 4 common check fraud scams
- Can you get a parent PLUS loan for graduate school?
- 1. Skip the airport
- 1. There are 2 versions of the Ulta credit card
- Flight options
- How does the Universal Express Pass work?
- What's the difference between a copyright vs. trademark?
- Uncovering your financial beliefs
- Options for getting a higher credit limit
- At a glance
- Passport photo clothing requirements
- What is P2P payment?
- How digital wallets work
- What is an EIN?
- Types of RVs
- How to find the best banks for small business in Colorado
- Do Hyatt points expire?
- What is a business credit report?
- Best fleet fuel cards
- What’s included on a cruise
- How does the home office tax deduction work in 2023-2024?
- How do credit union loans work?
- How does invoice factoring work?
- Will hotels hold your luggage?
- 1. How Sofitel Club Millésime works
- Pay on time and in full
- What’s included in the cost of Peacock Premium Plus?
- 1. Fill in the recipient’s name
- 1. It’s a premium travel card at a premium price
- How to avoid paying checked baggage fees
- What goes into the credit card interest calculation
- How do debits and credits work with double-entry accounting?
- Average monthly expenses by household size
- Credited vs. processed: What’s the difference?
- 17 passive income ideas for 2024
- How to find a currency exchange near you
- 2. Bonus miles on Delta purchases
- How to compare FHA vs. conventional loans
- Best credit cards to use at Apple
- Calculator: Convert United miles to dollars
- How to find and evaluate inquiries
- Closed-end funds vs. open-end funds
- Fees, fees, fees
- The best Marriott resorts in the U.S. for beachgoers
- How to send money online, on mobile or in person
- Wise
- Laying the groundwork for buying and selling
- Investing in Bitcoin
- How to make money online
- Spotify Premium cost
- What is an overdraft fee?
- The best money-making apps
- Do goodwill letters work?
- The impact of the Card Act
- What kind of prize tax will you have to pay for winning a game show?
- What are gold ETFs?
- Rolling over your 401(k): The options
- What is the 10-year Treasury?
- What is term life insurance?
- Who needs to fill out a Form 1040?
- How does home equity work?
- 1. Check your calendar
- Credit union disadvantages
- 28 ways to save money
- How to check if your credit is frozen
- 7 high-dividend ETFs
- 2. Sell your gift cards
- Top 11 spot Bitcoin ETFs by fee
- What is a business credit score?
- Start by checking your home equity
- Banks that offer joint business accounts
- For simple cash back: the Bread Cashback American Express Credit Card
- Summary of cash advance apps
- Key findings
- How much do Instagram influencers make?
- Key takeaways
- What is a fee-only financial planner?
- 11 best investments right now
- 1. Do your homework and gather evidence
- If you're worried, take action
- Cash-outs drain future retirement security
- Top credit cards for Las Vegas hotels
- Maximum debt-to-income ratio to buy a house
- Use it for everything ...
- What is gig work?
- What is ‘cash stuffing’?
- Types of ETFs
- Apply for TSA PreCheck
- 1. You're way over — or under — the allowed mileage
- Is a joint bank account a good idea?
- 2. Use a free TV streaming site or app
- This is the fraud the experts fear most
- 2. Easy welcome offer
- How to lower your credit utilization
- How does a home equity loan work?
- 2. It will cost you $10,000 to get one
- Best for size of network: UnitedHealthcare
- Do you need insurance to rent a car?
- 5 steps to get preapproved for a home loan
- The average stock market return isn't always average
- Financing options for small businesses
- Top credit cards you can use instantly after approval
- What credit cards offer Citi car rental insurance?
- Credit freeze vs. lock
- How to place an Equifax credit freeze
- What are the 2024 IRMAA brackets?
- How will the Student Aid Index be calculated?
- When to choose a money market account over a CD
- Where American Family stands out
- Wise is best for:
- Buying on margin example
- Who needs to get an EIN?
- Medicare eligibility
- What does Early Warning Services do?
- What happens if you default on a car loan?
- If you have FFELP or private student loans currently managed by Navient
- Apps most like Airbnb for cars
- Does closing a credit card hurt your credit?
- How this affects your next Alaska flight
- How is PMI calculated?
- What is fiduciary duty?
- How cash back works on credit cards
- 2. Blind spot warning and cross-traffic alert
- Who can get Global Entry?
- Marriott Bonvoy credit card comparison
- 3. First checked bag free
- What does the value of Hilton points mean?
- What is a stock market crash?
- Student loan forgiveness programs
- Banking
- What is the 50/30/20 rule?
- Set practical, realistic search terms
- How long do coding bootcamps take to complete?
- Ladder life insurance
- Why the fiduciary standard matters
- What now?
- 2. Examine your situation
- Bank wire transfer
- Work out how much of your income should go to rent with the 50/30/20 rule
- Cheap car insurance
- 7 best gold stocks by one-year performance
- 2. Getting just one rate quote
- Working from home jobs are growing
- What tax bracket will you be in after winning your money?
- Housing is a considerable source of college revenue
- How to choose an S&P 500 ETF
- 2. Richer and more targeted credit card rewards
- How to fill out a W-4
- Bank advantages
- Who qualifies for the Fresh Start program?
- What are dividend stocks and why buy them?
- YNAB, for hands-on zero-based budgeting
- How a higher credit limit can help you
- Why Capital One Venture X Rewards Credit Card is better for most people
- 3. Pawn something
- How are Frontier boarding groups assigned?
- What does the Schumer box tell you?
- Elite status
- 2. Choose a bank for your LLC business account
- An overview of the best annual travel insurance
- Current state of personal loans
- How to calculate your credit utilization ratio
- 2. A stay at a Disney-owned resort
- Best-performing REIT mutual funds: April 2024
- How much should you tip an Uber driver?
- Shifting strategies
- Calculator assumptions
- Can you get insurance without a car?
- 20 high-dividend stocks
- For shoppers
- Lottery tax calculator
- Best affordable homeowners insurance in Texas: State Farm
- Who should get a cash-out refinance?
- Which income-driven repayment plan is best for you?
- Bluebird by American Express
- Frugal shopping tips
- What is the difference between TSA PreCheck and Global Entry?
- Best day to fly
- When to use a credit freeze
- How to write a late payment removal letter
- Do I have to pay Massachusetts state income tax?
- New travel patterns
- Set realistic expectations
- How much money do I need to buy a house?
- Wise pros
- 2. Consider your online options
- How to get to 30A beaches
- Best AI ETFs by one-year performance
- How credit utilization affects your credit
- HODLing as an investment strategy
- Factors that go into your business credit score
- Types of stock trading
- Understanding the stock market
- 1. Brigit: Best for budgeting tools
- How many Instagram followers do you need to make money?
- How much is PMI?
- Driver history discounts
- Today’s HELOC rates
- What is a fee-based financial planner?
- How much does Peacock cost for students?
- 2. Write your address in the purchaser section
- 2. Use your points to fly in luxury
- Samsonite vs. Travelpro comparison
- Dapps vs. centralized services
- Best place to exchange currency: Your bank or credit union
- 4. Priority boarding
- Transfer or teach-out if your college closes
- Pros of joint bank accounts
- 3. Look for offers from cell phone carriers
- 3 best brokers for forex trading
- United MileagePlus Miles value over time
- 2. Cash management accounts
- 3. Flexible redemptions
- Holiday weekends
- How much does a Peloton bike cost? Buying vs. renting
- Bonds
- Chase Sapphire Preferred® Card
- How LLCs pay income taxes
- How credit scores work
- Delta main cabin
- How to find bank-owned properties
- Where American Family falls short
- How to invest money
- How the annual gift tax exclusion works
- Bank disadvantages
- 4 steps to spot a fake check and avoid trouble
- 2. They work in tandem with Ulta's customer loyalty program
- 2. ... But there’s a $95 annual fee
- Dress code tips for passport photo
- Step 2: Compare types of health insurance plans
- How P2P payments work
- How to pick a digital wallet
- Medicare at a glance
- How long are my Hyatt points good for?
- What information does Early Warning collect?
- Home equity loans and HELOCs vs. cash-out refinances: Understanding your options
- Contact your loan servicer
- Sign-up bonuses and rewards grew
- What’s not included on a cruise
- For the beauty buff: the Ulta credit card
- Best credit union personal loans for 2024
- Fiduciary financial advisors
- Can hotels hold your luggage if you’re not a guest?
- February
- 1. Complimentary elite status
- 2. The annual fee is mitigated by a huge statement credit, sign-up bonus
- Differences between TSA PreCheck and Global Entry
- Best-performing REIT ETFs: April 2024
- Borrow a car for your driving test
- Grace period
- Tips to ensure your credit card payment processes quickly
- The best Marriott Bonvoy transfer partners
- What is a gig worker?
- What to do during a stock market crash
- How do Vanguard index funds work?
- ESG investing
- Get a new credit card
- Blue Cash Everyday® Card from American Express
- High CD rates for now
- Preapproval is not the same as pre-qualification
- Types of money market funds
- For direct monthly payments: No
- What is covered by Citi car rental insurance?
- Are paid surveys worth it?
- The pros and cons of a life insurance trust
- Tire age
- What is the 10-year treasury yield today?
- Do you need term life insurance?
- 2. It’s a deferred interest card ...
- When to choose a CD over a money market account
- Wise cons
- How much money can you get for graduate school?
- Can you live off ETF dividends?
- What does a copyright protect?
- Tools you can use
- Types of real estate contingencies
- 4. Work today for fast cash today
- How are business credit scores calculated?
- Where Citizens stands out
- At a glance
- What are the disadvantages of a 5-year ARM?
- Does Peacock offer a free plan?
- 3. Include your account number if you're paying a bill
- 3. Bluetooth connectivity
- No-penalty CDs: the big exception
- How debt-to-income ratio is calculated
- 5. TSA PreCheck or Global Entry fee credit
- How do lottery taxes work?
- 5 ways to turn no credit into good credit
- 2. Your car has excess wear and tear
- 4. Invest in a digital antenna
- What to do if you spot a problem
- Cheap car insurance in Florida
- 3. You can request a Centurion Card invite online
- Solo 401(k) contribution limits
- Does my car insurance cover rental cars?
- Workplace plans may cost less, offer more
- 5-year, 10-year, 20-year and 30-year S&P 500 returns
- Overdraft protection
- What the Card Act covers
- What if you win a vacation or a car or something else instead of money?
- How to invest in gold ETFs
- What to do at each of the 30A Florida beaches
- 2. Shop around online
- What are the Frontier Airlines flight cancellation fees?
- Original Medicare
- What’s important for consumers to know about Early Warning Services?
- Checking your business credit score
- Property and casualty insurance
- Can I take the home office deduction as a work-from-home employee?
- How to get your money back
- How to monetize your Instagram with fewer followers
- Average annual PMI premium
- Keep your balances low
- Necessity doesn’t drive most retirement plan cash-outs
- Investing for income: Dividend stocks vs. dividend funds
- How the cash stuffing method works
- Apply for Global Entry
- How do United miles compare with other airlines?
- Understanding closed-end funds
- What are job prospects like for coding bootcamp grads?
- 2. Set financial priorities
- Ladder life insurance policies
- 1. The charity scam
- Why you should apply for Global Entry first
- Issuer pre-qualification pages
- What do financial pros say about Bitcoin?
- What does inland marine insurance cover?
- Where you’ll find Escape Lounges
- Repayment terms may be interest-only
- How much rent can you afford?
- How to open the Apple high-yield savings account
- Types of gold stocks
- Working from home job ideas
- Am I a resident for Massachusetts state income tax purposes?
- How is the Student Aid Index used?
- How to shop for homeowners insurance
- Price pressures
- How to buy a bank-owned home
- State availability
- 3. Better fraud protection
- 2. Split transactions with apps
- 3. Call your company
- Types of second mortgages
- Think carefully before requesting a higher limit
- Types of loans
- Types of AI ETFs
- How do I find out when my Hyatt points expire?
- How to trade options in four steps
- What is a Roth IRA account?
- PMI calculator help
- Use a credit utilization calculator
- 4. Head-up display
- How much do Uber drivers make per hour?
- What happens now matters in retirement
- ... or at least use it for everything ELSE
- What to know about working in the gig economy
- 3. Your car is worth more than its buyout price
- Cons of joint bank accounts
- Should I choose a home equity loan or a HELOC?
- 3. Not checking credit reports and correcting errors
- Goodwill letter template
- Build credit without debt
- How to fill out a 1040 form
- When to choose a savings account instead
- What mortgage can I afford?
- Wise transfer methods and options
- Credit union vs. bank: What to consider when choosing
- How to sign up for the Fresh Start program
- Dividend vs. growth stocks
- How much is a Universal Express Pass?
- Airline rewards programs
- 5. Seek community loans and assistance
- Use a budget planner
- Are digital wallets safe?
- What is a Bitcoin strategy ETF?
- How to trade stocks
- 3. Apply for an LLC bank account
- Review your billing statement
- Pros and cons of a cruise
- For the home decorator: the IKEA Visa® Credit Card
- 1. Allianz Travel
- Where Citizens falls short
- Destiny credit card
- Fiduciary duty vs. suitability standard
- Fee-only financial planner or fee-based: Which type is best for me?
- 2. Club Millésime lounge locations vary
- How many people can use Peacock at once?
- 4. Sign the bottom where it says 'purchaser’s signature'
- How do REITs work?
- Rent a car from a driver training school
- What’s the difference between single-entry and double-entry accounting?
- What to do if your credit card payment is delayed
- Are dapps really decentralized?
- Another money-change option: online currency converters
- Credit cards
- Are Vanguard index funds a good investment?
- 5. Borrow with your library card
- 3. High-yield money market accounts (MMAs)
- 4. $100 credit for LoungeBuddy, $189 for Clear
- How much does a Peloton membership cost and do I need one?
- On-campus housing costs rise more steeply than off-campus
- You only need one S&P 500 ETF
- How long does term life insurance last?
- Know where you'll compromise
- 3. … and it can also be a low-interest card
- 4. Contact the IRS
- Be ok with baby steps
- Why debt-to-income ratio matters
- Medicare Part A (hospital insurance)
- If you had federal student loans previously managed by Navient
- Stock trading information
- Buy now, pay later: An alternative to personal loans
- Can you leave luggage at a short-term vacation rental before check-in or after checkout?
- March
- 3. Its rewards program is lucrative
- 5. Dash cam
- 2. If a collection is on your report in error, dispute it
- 3. A character meal
- 6. Annual companion certificate
- If you are starting with bad credit
- Apply for closed school discharge
- ESG investing benefits
- What are AI stocks?
- Change how you’re identified, if you can
- Find a private-party used car
- Cheapest for 20-year-old drivers
- All year
- OFX
- Frugal entertainment tips
- 4. You need to be a big spender to get a Centurion Black Card
- Medicare vs. Medicaid: Eligibility
- Best for extra perks: Aetna
- Alternatives to cash
- How far in advance should I get preapproved for a mortgage?
- Overdraft fees by institution
- Cash App
- After getting a cash advance: Yes, but it’s a bad idea
- When to use a credit lock
- What the Card Act doesn’t cover
- Are game show winnings taxed differently than gambling winnings?
- Signs you might need new tires
- Other factors that affect what you'll pay each month
- How to take out federal loans for graduate school
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- How to invest in dividend ETFs
- 6. Ask for forbearance on bills
- How to buy AI ETFs
- How to get priority boarding on Frontier flights
- How to cancel your Frontier Airlines flight
- Which P2P payment service should you use?
- How to apply for an employer identification number
- Do personal credit scores affect business credit scores?
- 2. Empower: Best for fast cash
- When should I close my credit card?
- How to calculate your home office tax deduction
- 5 ways to make money on Instagram
- 2. Decide how much to invest
- 2. Airport lounge access
- Best car insurance companies: Our winners
- 3. Hop around Hawaii for 6,000 points
- What happens if you don’t tip?
- Average daily balance
- Tip about banks vs. credit unions
- Who needs non-owner car insurance?
- Other student loan forgiveness programs
- Share or spend rewards
- Joint bank accounts and marriage
- 2. Consider debt consolidation
- When is the best time to use United miles?
- How much do coding bootcamps cost?
- Best car insurance companies: Our winners
- Ladder customer complaints and satisfaction
- How to save money when applying
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- Bank of America® Travel Rewards credit card
- Goodwill letter vs. credit dispute letter
- How does a life insurance trust work?
- Price vs. yield
- American Family renters insurance coverage
- 4. A reduction in less popular benefits
- How are dividends paid out?
- FAQ about freezing and unfreezing credit
- 3. There's also no sign-up bonus
- How to keep your Hyatt points from expiring
- HODL and cryptocurrency
- What should you do if you were denied a bank account because of an Early Warning report?
- Top 8 Bitcoin strategy ETFs by fee
- Star Alliance Lounges
- State availability
- How does a Roth IRA work?
- Invoice factoring example
- California income tax deadlines and extensions
- What are the advantages of a 5-year ARM?
- Don't be afraid to ask
- Is Peacock worth the price?
- 5. Keep your receipt
- 6. Tunes, directions and apps
- What is the fee for Global Entry?
- Medication abortion: Ending a pregnancy without surgery
- REITs' average return
- ITIN: What it is and how to get one
- For sellers
- Do I have to pay state tax on lottery winnings?
- What about the new IDR plan?
- Don’t worry about the rest
- Buying closed-end funds at a discount
- Serve American Express Prepaid Debit Account
- Comparing stocks and bonds
- When a rollover makes sense
- What does inland marine insurance not cover?
- What to expect the stock market to return
- Borrowers who may consider a non-QM loan
- How to deposit funds into the Apple savings account
- 4. Making a down payment that's too small
- What to know if you take online surveys
- 3. Point values are high, but be aware of the expiration policy
- Reliability
- What's next?
- 7. Request a payroll advance
- Where to rent an RV
- Determining the best banks for small business in Colorado
- Who can open a joint business account
- How to check private student loans
- Swiping gave way to dipping and tapping
- What to do with luggage before checking into a hotel
- Is per-card or overall utilization more important?
- Small-business lending statistics
- Where to exchange currency outside the U.S.
- How much does it cost to buy Vanguard index fund shares?
- Best in Texas for having few consumer complaints: Chubb
- 4. Your friend wants to buy your leased car
- 6. Share a friend's or relative’s account
- How Ladder compares to other insurers
- Top credit cards that offer preapproval without a hard pull
- Rental car insurance vs. your own auto insurance
- Blue Cash Preferred® Card from American Express
- Glossary of overdraft terms
- Grow credit with good habits
- Is it always cheaper off campus? No
- Deciding between term and permanent life insurance
- Make decisions fast
- 3. Take your own transportation
- Gift tax limit 2024
- Qualifying for a second mortgage
- Goodbudget, for hands-on envelope budgeting
- Medicare Part B (medical insurance)
- 3. Club Millésime lounge access can be bought or earned
- 1. High-yield savings accounts
- 7. Massaging and heated seats
- How employers can counteract the temptation to cash out
- Average monthly expenses that increased year over year
- What are the best dapps?
- 7. Head start toward Delta elite status
- How do Hilton points compare to other hotel programs?
- Student loan cancellation programs
- Assume the worst
- Alternatives to a cash-out refinance
- Rewards across the board: Ink Business Preferred® Credit Card
- Eye-popping interest rates
- 4. Peer-to-peer lending
- How to get a home equity loan
- How to make the money work
- 5. Centurion Cardmembers still get to bring guests into the Centurion lounge
- How does Spotify fit into your budget?
- Can't pay your minimum? What to do
- How to find high-yield alternatives
- Tips for avoiding late payments
- What is Massachusetts' standard deduction?
- What's next?
- 4. Your account is available immediately upon approval
- What do I need to fill out Form 1040?
- For the pet parent: Petco Pay credit card
- Citizens home insurance coverage
- Risks of BNPL
- Indigo credit card
- Rent a car from a rental company
- CD early withdrawal penalties at banks and credit unions
- Remove yourself or your spouse from any credit card
- Apply for Clear (maybe)
- How do I choose a coding bootcamp?
- How much should you spend on a mattress?
- More about Ladder
- Frugal DIY project tips
- Where to find non-QM loans
- 3. Think 'SMART'
- Factor in other costs
- What to do if your issuer breaks the rules
- What to do once your Equifax credit freeze is in place
- How to keep your head above water after winning a game show prize
- 5. A quicker credit card approval process
- How do you find out how much equity is in your home?
- 5. File taxes without a W-2
- 6 types of dividends
- 4. Leverage memberships
- 8. Take a loan from your retirement account
- If you're worried about Hyatt points expiration
- What is a good business credit score?
- How home equity loans, HELOCs and cash-out refinances are similar
- Bull markets vs. bear markets
- 2. Seven Corners
- Pros and cons of invoice factoring
- How do I know if I'm working with a fiduciary financial advisor?
- How does a HELOC work?
- April
- How to get Global Entry through travel cards
- Types of REITs
- Why should I open a bank account if I'm undocumented?
- Pay your bill in full every month
- 5. You like the car and don't want the hassle of car shopping
- How to open a joint account
- Be picky about condition, not about brand
- How to buy closed-end funds
- 2. The hotspot scam
- OpenSky® Secured Visa® Credit Card
- How much does inland marine insurance cost?
- How to get overdraft fees waived
- What does Citi card car rental insurance not include?
- Maintain and defend your scores
- The importance of a direct 401(k) rollover
- Don't take rejection personally
- American Family renters insurance rates
- 4. Save by cooking group meals
- Which graduate student loan is right for you?
- How to get a Universal Express Pass
- 4. Don’t expect savings on interest, either
- Why you might prefer the The Platinum Card® from American Express
- How to change your Frontier Airlines flight instead
- The Bitcoin ETF price war
- Redeeming points for Star Alliance awards
- How to apply for a joint business bank account
- Simplified version vs. actual expense deduction
- Do I have to pay California state tax?
- 3. Open an investment account
- 3. Inadequate rewards earning potential
- 4. Earn extra bonus points
- How many banks have collapsed?
- How to lower debt-to-income ratio
- 8. Airport lounge access
- Student loan discharge programs
- 7. Check your app store for free downloads
- You must recertify your income and family size every year
- Can United miles be used on other airlines?
- Is Peloton worth it? Pros and cons
- Covering your spouse under your solo 401(k)
- 5. It’s one of several ways you can pay for medical expenses
- How to use the car lease calculator's results
- Gift tax limit 2023
- Making your choice between a credit union and a bank
- Wingstop franchise costs
- 9. Borrow against life insurance
- Bottom line
- Are P2P payments safe?
- Your decision: Is HODL for you?
- Comparing a cruise to other vacations
- Affiliation discounts
- Average monthly expenses that declined
- How to redeem rewards on the Capital One Quicksilver Cash Rewards Credit Card
- Should I take a lump sum payment or annuity payments?
- Cash-out refinance costs
- 3. Work with your creditors
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Secured is better and cheaper
- Mattress-buying tips
- Best for local support: Blue Cross Blue Shield
- Hiring your first employee: Steps to take
- Google Pay
- Types of life insurance trusts
- Why is the 10-year Treasury yield important?
- How much does term life insurance cost?
- W-4 form 2024
- RVshare: the biggest (and usually best) peer-to-peer RV rental company of them all
- Where do you find the Schumer box?
- What to do if you’re struggling
- 4. Set up your LLC bank account
- How home equity loans and HELOCs are different from cash-out refinances
- 3. EarnIn: Best for large advances
- Alternatives to canceling a credit card
- What can you invest in with a Roth IRA?
- Is United’s basic economy worth it?
- 4. Points can't be transferred to other travel programs
- Benefits unique to the Marriott Bonvoy Boundless® Credit Card
- How to invest in dividend stocks
- Where to avoid exchanging currency
- How to convert Hilton points to dollars
- The caveats
- Other coverage options
- Get more help with monthly budget planning
- Walt Disney World Swan
- 5. Online savings accounts
- Xoom
- Are home equity loans a good idea?
- 6. The Centurion Black Card offers an unbelievable level of concierge service
- Medicare vs. Medicaid: Cost
- Money market mutual funds vs. money market accounts
- 5. Not looking for first-time home buyer programs
- How to unfreeze your credit with Equifax
- Do I still have to pay the IRMAA if I choose Medicare Advantage?
- What’s the deadline for filing Massachusetts state income taxes?
- Download Form 1040
- Discounts
- 6. Request more time to file
- How do you get a second mortgage?
- 10. Use a credit card cash advance
- How do loans work?
- Do spot Bitcoin ETFs have custodianship risk?
- For the human parent: The Children’s Place credit card
- How does credit utilization affect my credit score?
- 3. If you already paid the debt: Ask for a goodwill deletion
- Interest rate
- Closed school relief for grant recipients, servicemembers and private loan borrowers
- ESG investing vs. socially responsible investing vs. CSR
- How to invest in AI stocks
- Alternatives to closed-end funds
- ONE VIP Visa Prepaid Card
- If you're looking to apply for Global Entry
- How to open a solo 401(k)
- Alternatives to non-QM loans
- Look for savings
- 5. Be OK with doing different things
- How the lifetime gift tax exclusion works
- 4. It’s a great deal for Ulta salon clients …
- How to safely make and receive P2P payments
- Medicare Advantage (Medicare Part C)
- FAQ comparing home equity loans, HELOCs and cash-out refinances
- Which to use: BNPL, personal loans or credit cards
- Invoice factoring vs. invoice financing
- May
- Meanwhile, minimize the impact of inflation on your life
- How much should I spend each month?
- Skip currency exchange: Use a credit or debit card
- 9. Save money shopping with AmEx Offers
- Best homeowners insurance in Texas for consumer experience: Nationwide
- Frugal home expenses tips
- What kind of investment is Bitcoin?
- Where to find financing for small businesses
- LLC payroll taxes
- 4. Write them down
- Can you double dip on insurance plans?
- Pros and cons of investing in gold stocks
- Why is home equity important?
- Credit union vs. bank: Frequently asked questions
- Key benefits of the Fresh Start program
- 11. Look for a payday alternative loan
- What are fleet cards?
- Stock market crash vs. correction
- 3. IMG
- Milestone credit card
- How much does a fiduciary financial advisor cost?
- What is California's standard deduction?
- How to apply online for Global Entry
- 5. Pool your points
- Double-entry accounting software
- The pros
- Income-driven repayment disadvantages
- 3. Get disability and life insurance
- The most popular surveys for cash apps
- Take advantage of your good credit
- Navigating limited options
- Pros and cons of a 401(k) rollover into an IRA
- Are 10-year Treasury notes a good investment?
- Wait before you celebrate
- How to find the 2024 W-4
- 5. Opt for economy cars
- Step 3: Compare health plan networks
- Are Roth IRAs insured?
- Credit union personal loan rates
- 2. Certificates of deposit
- 4. Access to a dedicated concierge
- How do I deal with lottery taxes?
- Joint accounts for teens
- How to choose a money market fund
- Citi Custom Cash® Card
- 5. Treat yourself
- What if I missed the Massachusetts state tax deadline?
- Term life insurance rates for men and women
- When to get a CD
- Which Form 1040 schedules should I use?
- Consumer complaints
- 6. Be upfront about your budget preferences
- More from tax filing resources:
- 5. Reward redemption options are limited
- What does a trademark protect?
- Real estate contingency deadlines
- More U.S. passport photo requirements
- 4. Pick an investment strategy
- 4. You can get comparable club lounge perks another way
- Strategies for keeping your credit utilization low
- 5. It comes with other travel goodies
- How to choose between Travelpro vs. Samsonite luggage
- Small-business diversity statistics
- Credit unions and banks that don’t require Social Security numbers to open an account
- 4. Seek help through debt relief
- How did we determine the value of United miles?
- How Peloton might fit your budget and ways to cut the cost
- How do I grow my home's equity?
- 3. The credit card 'sign-up farm' scam
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Tips to find cheap flights any day of the week
- Ready to get started?
- How do you file a Citi card car rental insurance claim?
- How do I find out if the Medicare IRMAA applies to me?
- Home equity takes time to build
- Airline loyalty programs
- Extra fees
- 12. Get a personal loan
- What if Frontier Airlines cancels your flight?
- How quickly do P2P payments post to the recipient's account?
- Why's it called the Schumer box?
- What do the approvals mean for Bitcoin?
- How do fleet cards work?
- Examples of other Comenity/Bread-issued store cards
- Is a robo-advisor a fiduciary?
- What part of my income gets taxed by California?
- What else you need to know
- Finalize preparations for tax day, April 15
- Why did First Republic Bank fail?
- 10. Purchase protections
- State tuition recovery funds
- How to find AI ETFs
- IDR waiver will count past payments toward forgiveness
- 6. High-yield checking accounts
- Discover it® Miles
- How to get inland marine insurance
- PayPal
- Travel and shopping protections
- 4 things to know about Massachusetts state tax
- Delta Comfort Plus
- Think about the seller's needs
- Consumer experience
- EveryDollar, for simple zero-based budgeting
- 4. Varo: Best for existing bank customers
- Is one of these credit cards right for me?
- Vehicle-related features discounts
- HELOC requirements
- 4. Check your credit reports after 30 days to make sure the change was made
- Benefits unique to the Marriott Bonvoy Bountiful™ Card and Marriott Bonvoy Bevy™ American Express® Card
- A recession? You've already been through one or more
- Marriott Bonvoy's exclusive transfer partners
- How do you buy Vanguard Index fund shares?
- Full list of the best home insurance companies in Texas
- ESG investing examples
- Purchase upgraded airfare with priority lane access
- 7. AmEx offers Centurion cardmembers exclusive perks
- Best for low-cost plan availability: Humana
- 6. Ignoring VA, USDA and FHA loan programs
- How do you buy 10-year Treasury notes?
- How to open a CD
- 2024 lifetime gift tax exemption
- Do I have to update my W-4 every year?
- 5. ... But beware the ugly interest rate
- Can I take my own passport photo?
- Do you ever need to change your EIN?
- Medicare Part D (prescription drugs)
- Is a Comenity/Bread credit card right for you?
- Roth IRA eligibility rules
- June
- Ways to redeem cash back
- Days in the cycle
- The cons
- Making the decision
- Medicare vs. Medicaid: Dependent coverage
- 3 investing myths
- Is Citi card car rental insurance worth it?
- 6. Stick to one driver
- 13. Rent out a room
- What do P2P payments cost?
- The importance of diversification
- Life insurance
- Other home office deduction rules and considerations
- Plan your visits to Club Millésime lounges
- 3. Bonds
- 5. Purchase protection and extended warranty
- 6. Pay with a combination of cash and points
- The bottom line
- How to apply for income-driven repayment
- MoneyGram
- LLC self-employment taxes
- How to buy gold stocks
- Working from home tips
- CD vs. savings account
- Find the best homeowners insurance in your state
- Dress code for a passport picture recapped
- Building your business credit score
- 4. Trawick International
- Discounts
- How to get a loan from a credit union
- Am I a resident for California state tax purposes?
- How to get a home equity line of credit
- Types of ESG investments
- FamZoo Prepaid Card
- Bitcoin and volatility
- How do I pay the Medicare IRMAA surcharge?
- Do you pay tax on T-notes?
- Have a backup plan: Don't buy yet
- How to safely cancel a credit card
- Why did Silicon Valley Bank fail?
- Exchange frequently? Consider a multicurrency account
- How much does homeowners insurance cost in Texas?
- Cheaper alternatives to Peloton
- 8. Yes, you can buy a mansion or a private jet on a Centurion Card
- 7. Not knowing whether to pay discount points
- Term life insurance shopping guide
- How to adjust your Form W-4
- How to evaluate dividends
- Other options for getting your money back
- Frequently asked questions about P2P payments
- Medigap (Medicare Supplement Insurance)
- Why do I need a business credit score?
- If you’re interested in planning a cruise
- What's next
- Small-business industry statistics
- Who shouldn’t buy non-owner car insurance
- Marriott Bonvoy transfer partners to avoid
- Who benefits from the cash stuffing envelope system
- Upgrade Cash Rewards Visa®
- Using your credit card for rental car coverage
- Work from home job scams
- Which type of life insurance should I put in a trust?
- Next Steps
- CD vs. bond
- NerdWallet home insurance calculator methodology
- Who pays the gift tax?
- 7. Use your own insurance
- 14. Moonlight as a dog sitter
- Step 4: Compare out-of-pocket costs
- What if you lose your EIN?
- What do the approvals mean for other crypto investments?
- Disability insurance
- 5. Understand your investment options
- July
- Benefits unique to the Marriott Bonvoy Brilliant® American Express® Card
- What's next?
- Interest-based passive income ideas
- What are the best Vanguard index funds?
- The bottom line
- Could we be in an AI bubble?
- Discover it® Cash Back
- LLC sales taxes
- Venmo
- Other renters insurance companies to consider
- 7. Look for group discounts
- Is the Universal Express Pass worth it?
- In-flight experience
- Finding the best bank in Colorado for your small business
- 5. Dave: Best for repayment flexibility
- Consumer complaints
- Luggage storage at hotels recapped
- How much can you borrow with a HELOC?
- How do ETFs work?
- 5. Lower your living expenses
- Compare Cards
- 9. You can get many of the Centurion Card's perks from The Platinum Card® from American Express
- 4. The interest rate scam
- Capital One Venture Rewards Credit Card
- Do you pay taxes when you receive a gift?
- 15. Become a rideshare or delivery driver
- Fleet fuel cards: benefits and drawbacks
- How do I get my business credit score?
- What’s a spousal Roth IRA?
- Credit union vs. online lender
- JetBlue TrueBlue Points: is this a worthwhile way to get good airfare deals?
- The bottom line
- What are the best dividend stocks?
- The best place to exchange currency at the end of your trip
- Can’t afford income-driven repayment?
- Best of the Blues: Highmark
- 8. Emptying your savings
- Types of CD strategies
- How to start a carpet cleaning business: The bottom line
- Enrolling in Medicare
- How to manage stock trading risks
- What does travel insurance cover?
- Average cost of homeowners insurance in Texas by city
- Other types of 1040 tax forms
- The bottom line
- 8. Forgo the extras
- Wingstop franchise pros and cons
- Empower Personal Dashboard, for tracking wealth and spending
- Which card should you get?
- 16. Cut your insurance premiums
- Consumer experience
- How much money can you make on YouTube?
- Is Global Entry worth it?
- Who can get a business credit card with no personal guarantee?
- Buying rental car insurance on your own
- Capital One VentureOne Rewards Credit Card
- Can I appeal the Medicare IRMAA if I don't think it applies to me?
- Is the gift tax deductible?
- August
- Why did Signature Bank fail?
- Currency exchange: Frequently asked questions
- ESG investing: How to get started
- Greenlight Prepaid Mastercard
- Western Union
- Who is eligible for both Medicare and Medicaid?
- Should I get The Platinum Card® from American Express?
- LLC tax forms and deadlines
- Credit cards and elite status can improve your overall experience
- How to choose the best annual travel insurance policy
- Why are personal guarantees on business credit cards necessary?
- Stock market crashes in history
- Discover it® Secured Credit Card
- Walmart2Walmart
- How much is the gift tax rate?
- Important considerations when opening a Roth IRA
- 6. MoneyLion: Best for existing customers
- Roth IRA vs. traditional IRA: What's the difference?
- Personal traits discounts
- Final thoughts on the different United economy fare classes
- Pros of investing in REIT stocks
- Small-business outlook statistics
- The cheapest home insurance in Texas
- Walt Disney World Dolphin
- 10. You can get better rewards on many other cards
- More about the card
- What are CD rates right now?
- 9. Price out prepaid gas
- 17. Consolidate your debt
- Drawbacks to business cards with no personal guarantee
- Getting the timing right
- 9. Applying for credit before the sale is final
- Where to earn and redeem points at 30A beaches in Florida
- Universal Express Passes, recapped
- Fuel card vs. business gas credit card
- If you’re looking for a car-sharing platform
- Options trading examples
- The bottom line
- Next steps
- Is getting a HELOC a good idea?
- Make the most of your credit cards during spring travel
- ETF creation and redemption
- Should you invest in AI stocks?
- How to shop for Medicare Advantage plans
- Earn an audience, and earn more in the long run
- September
- Cons of investing in REIT stocks
- What’s happening with Silvergate Capital Corp.?
- If you want to leverage Marriott’s transfer partners ...
- 5. The overcharge scam
- What type of financing for small businesses should you use?
- Are dividends taxed?
- 10. Walk or ride
- 18. Refinance your student loans
- Where to buy non-owner car insurance
- Cheapest for 30-year-old drivers
- Visiting an Escape Lounge this year
- U.S. Bank Cash+® Visa Signature® Card
- LLC tax tips for business owners
- What are promotional CD rates?
- Common gift tax return triggers
- If you want to buy annual travel insurance
- Choose the best Marriott credit card offer for you
- What happened to Credit Suisse?
- What to know about Texas homeowners insurance
- Stay at a Marriott beach resort with points
- What is credit card consolidation?
- Next steps
- The bottom line
- Qatar Airways vs. Turkish Airlines recapped
- 19. Change your cell phone plan
- Step 5: Compare benefits
- 7. SoLo Funds: Best for peer-to-peer cash advances
- How to open a Roth IRA in 4 steps
- California state tax credits
- Investing in REITs: How to get started
- The bottom line on how to prepare for a stock market crash
- How much do ETFs cost?
- Apple Card
- Walmart MoneyCard
- Mission Lane Visa® Credit Card
- Western Union
- More resources on investing
- W-4 calculator
- Other ways to make money
- 4. Money market funds
- If you’re considering an upgrade to Delta Comfort Plus
- PocketGuard, for a simplified budgeting snapshot
- Avoid risky loans
- October
- Other tips for spending on a credit card in Vegas
- FHA vs. conventional loans: Summary
- Car rental insurance: The bottom line
- How does credit card consolidation work?
- The bottom line
- Can you keep your doctor on Medicare?
- Does your business need a fleet fuel card?
- Where to trade stocks
- Investing
- How to choose among the best ways to send money internationally
- Can't finance before you sell?
- 10. Shopping for a house before a mortgage
- Why trade options?
- Customer loyalty discounts
- Is it better to get a home equity loan or line of credit?
- Are other banks are in trouble?
- How much is non-owner car insurance?
- ETFs vs. mutual funds vs. stocks
- 6. The skim scam
- What else to know about Form W-4
- 8. Klover: Best for no-fee advances
- If you want to book your Las Vegas stay with a hotel credit card
- Should you buy stocks or bonds?
- More about term life insurance
- Credit cards
- What Medicare doesn't cover
- November
- 5. Mutual funds
- Should I take my money out of the bank?
- Prosper® Card
- Is consolidating credit card debt a good idea?
- What to do if you can’t keep up with your HELOC payments
- OK, what's next?
- Bank of America® Premium Rewards® credit card
- Zelle:
- More resources
- Small-business banking statistics post-SVB failure
- Emerald Coast’s 30A Florida beaches
- 11. Underestimating the costs of homeownership
- Can I still use my credit card after debt consolidation?
- Summary: How to choose health insurance
- Are we in a recession?
- Low-fee alternatives to prepaid cards
- Medicare vs. Medicaid
- 6. Index funds
- Mortgages
- PayPal Cashback Mastercard®
- What's next?
- Honeydue, for budgeting with a partner
- Cruise America: consider it the big box store of RV rentals
- Pros and cons of loan apps
- December
- The upside down: When debt and equity roles reverse
- The Swan Reserve
- Capital One QuicksilverOne Cash Rewards Credit Card
- How to track your California state refund
- Policy-related discounts
- Are we headed for a depression?
- What to know about the best ways to send money
- Cheapest car insurance by state
- 12. Miscalculating repair and renovation costs
- Where can I find out more?
- Texas Department of Insurance
- Bilt World Elite Mastercard® Credit Card
- How to find the right ETFs for your portfolio
- Swan vs. Dolphin, recapped
- California state sales tax
- Looking for more insurance in Texas?
- Prepaid-like options from fintechs: Apple Cash and Cash App
- Capital One Platinum Credit Card
- How to make money from home
- Fees
- Budgeting resources from NerdWallet
- What if you're not eligible?
- 7. Exchange-traded funds
- 5 things to know about California state tax
- How to invest in ETFs
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- More small-business data from NerdWallet
- Wells Fargo Reflect® Card
- How to claim small-business tax deductions
- What company has the most car insurance discounts?
- Personal loans
- Other notable options
- Methodology to identify the best budget apps
- AvantCard Credit Card
- Are apps like DailyPay and Payactiv cash advance apps?
- What are the Roth IRA withdrawal rules?
- 8. Stocks
- Best prepaid debit cards: Summary of fees and ATMs
- Risks of getting cheap auto insurance
- Cheapest for 40-year-old drivers
- What are prepaid debit cards?
- How to maximize discounts and savings
- Major issuers and their policies on instant credit access
- Alternatives to cash advance apps
- Outdoorsy: a hit and miss RV, peer-to-peer rental platform
- Other credit cards to consider
- Blue Cash Everyday® Card from American Express
- Is Spirit better than Frontier?
- Student loans
- Prepaid debit cards vs. regular debit cards
- Do ETFs pay dividends?
- How to make money offline
- Can you sell an ETF at any time?
- Frequently asked questions about prepaid cards
- The bottom line
- 9. Alternative investments
- Related articles
- Capital One Venture Rewards Credit Card
- Taxes
- Cash advance app star rating methodology
- 10. Cryptocurrency
- Travel rewards
- Apple Card
- How to choose a startup idea
- Full list of the best car insurance companies
- Other ways to save money
- Full list of the best car insurance companies
- 11. Real estate
- Best car insurance companies by state
- Best car insurance companies by state
- Venmo Credit Card
- How much does it cost to rent an RV?
- How to choose the best investments in 2024
- How to find the best car insurance
- How to find the best car insurance
- Cheapest for 50-year-old drivers
- Do you need insurance for an RV rental?
- Should I consider buying an RV vs. renting one?
- The bottom line
- Cheapest for 60-year-old drivers
- Watch out for making money scams
- Cheapest for 70-year-old drivers
- How to get cheap car insurance in Florida
- Minimum car insurance requirements in Florida
- No-fault insurance in Florida
- Why you can trust NerdWallet
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.