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- 9. Browse store aisles
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- Our pick for: Everyday spending
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- 12. Get a personal loan
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- Swing trading
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- 1. Check your employer-sponsored retirement plan
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- 4. Borrow from your 401(k)
- 11. Establish your local supermarket circuit
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- Rapid Rewards credit cards may not provide the best value
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- Our pick for: Beginner-friendly features
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- The rankings of reliable airlines
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- Form W-9 vs. W-2
- Bottom Line
- BankAmericard® credit card
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- You tend to carry a balance
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- Full list of the best car insurance companies in Georgia
- More on WebBank
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- Steps for getting into a hardship program
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- 14. Listen to music
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- So, how much is a U.S. passport?
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- The complete list of dividend aristocrats
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- Our pick for: Fixed monthly payments
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- Step 5: Submit your application and get funded
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- 13. First-Time Homebuyers Program (Wichita Falls)
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- If you're looking for ways to get free hotel breakfast ...
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- U.S. Bank Cash+® Visa Signature® Card
- 2. Make sure your bonus is actually taxable
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- How to get a down payment for an SBA loan
- AndroMoney
- Know your health insurance terms
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- Why it’s the best:
- 15. Create custom clothing
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- Capital One Venture Rewards Credit Card
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- American Opportunity Tax Credit vs. Lifetime Learning Credit
- 4. United Club℠ Infinite Card
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- The Amplifier Grant
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- Our pick for: Flat-rate travel rewards
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- 14. Homebuyers' Assistance Program (Tarrant County)
- Protections: Peace-of-mind benefits
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- Summary of the best banks and credit unions of 2024
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- Our pick for: Cell phone and internet bill payments
- Other HNL lounges to consider
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- Le Pavillon de la Piscine
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- You regularly borrow the same car from someone you don’t live with
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- What’s a good down payment for a house?
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- Which is the best status for you?
- Credit freeze or credit lock?
- You’ll likely always feel pressured to book Southwest for as long as you hold it
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- Is Global Entry worth it?
- Piggyback on someone else’s membership
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- Instead, earn hotel points
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- Step 5: Find a physical location and build an online store.
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- Cheapest car insurance after a DUI: Progressive
- What do the approvals mean for other crypto investments?
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- 14. Understand sale cycles
- August
- Should you invest in AI stocks?
- Figo: Best pet insurance for cats
- Bonds
- Private flood insurance
- More about the card
- What is the perfect credit score, and how many people have it?
- 16. Sell vintage clothing online
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- The risks and rewards of each
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- How will Robinhood make money from its IRAs?
- Alternatives to buy now, pay later
- How to claim the child tax credit in 2024
- 3 disadvantages of sole proprietorship
- 2024 Georgia state income tax changes
- When it comes to marketing: Google is your friend
- 4. Contribute to a tax-advantaged account
- You drive rarely or not at all
- 9. Fitness nurse
- Seat selection
- Bottom line: Is Spirit Airlines a good airline and should you fly them?
- 19. Have a potluck
- Lounge benefits
- Growing (and improving) the Delta Sky Club Lounge network
- Using travel rewards for the family requires a mindset shift
- Best for occasional travelers: Hilton Gold elite status
- FedEx Small Business Grant Contest
- Real estate
- 6. MoneyLion: Best for existing customers
- Western Union
- Pros of investing in REIT stocks
- Earning Loyalty Points through other partners
- 1Money
- Higher premiums, more coverage
- Cost basis calculations
- LLC tax forms and deadlines
- Business services
- 4. Decide where to buy your index funds
- 6. Sezzle
- Use employee benefits
- What will the ‘financial hardship’ definition be?
- Shopping protections
- 3. Make the most of your savings
- Ride with Lyft
- Licensed online shopping carts
- What about neobanks?
- Is the Plumeria Lounge Honolulu worth it?
- Swagbucks
- Education tax forms
- Dollar-cost averaging
- 14. Access to the American Express Global Lounge Collection at airports
- 6. Get the logistics down
- Important considerations when opening a Roth IRA
- 7. Self-publish an e-book
- Corporate bonds
- Who can access your frozen credit reports?
- Personal property
- Discover it® Secured Credit Card
- Past years' state tax rates
- Final thoughts on the different United economy fare classes
- Consequences of an EIC-related error
- How to sell clothes online
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- How does RVshare insurance work?
- How to use a W-4 to owe nothing on a tax return
- 9. Maximize trade-in value, if applicable
- 3. Find your vending machine
- Take advantage of promotions
- 17. Begin niche blogging
- 1099-LTC
- Features
- More about top-rated life insurance companies
- 3. Prep for grocery shopping
- How much is my 2023 standard deduction?
- Coca‑Cola Foundation
- Grant programs in Central Texas
- Reviews
- 13. Purchase protection
- 5. Your loan is cleared to close
- Invest in technology
- American Express add-on coverage
- Average cost of life insurance by term length
- Third-party ratings
- 1. No liability protection
- 5. Make the call
- Flood determination and monitoring fees
- Ways kid creators can earn online
- Le Bar Majorelle
- How to maximize your rewards
- Earning rates
- 20. Do something productive
- What is credit card consolidation?
- What you need to know about California homeowners insurance
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- 4. GetYourRefund.org
- Nonresident status rules
- The bottom line
- Our pick for: An upgrade path
- Tory Burch Foundation Fellows Program
- Mutual funds
- How to earn other travel rewards through your Avis car rental
- The difference between interest rate and APY
- 8. Bank of America® rewards
- How much does earthquake insurance cost?
- Lemonade vs. State Farm renters insurance
- MetaMask: 4.0 out of 5 stars
- Look for offers
- Will the plan succeed?
- 13. Dropshipper
- 10. Narrow down your ideal type of house and neighborhood
- 2. Ignore 'hot tips'
- 15. Down Payment Assistance Program (Austin)
- 17. Consolidate your debt
- 9. Price out prepaid gas
- What homeowners insurance won't cover
- Eat with Hilton Dining Rewards
- 3 things to know about Georgia state tax
- DTI isn't a full measure of affordability
- How to get help if your relief is overdue
- What are CD rates right now?
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- What's the best Vanguard mutual fund?
- 10. Medical product sales
- Next steps
- Does the president control gas prices?
- 15. Centurion Lounge Complimentary Guest Access
- 5. Gather your paperwork.
- Cons of investing in REIT stocks
- Ask about discounts for paying your premium annually
- Freshen up your merchandise
- Lower premiums, higher out-of-pocket
- Compare car insurance rates by driver history
- B2B administrative services
- If you want to join an airline loyalty program
- 1099-MISC
- How much is the gift tax rate?
- What is the normal fee for a financial advisor?
- After deciding
- 14. Return protection
- Is getting a HELOC a good idea?
- AM Best Financial Strength Rating: A+ (Superior)
- How do I start day trading?
- Should you open an online bank account?
- The bottom line
- 5. Defer your bonus
- Potential hurdles and drawbacks of a hardship program
- Government recording fees
- 7. Poshmark
- Upgradeability
- Are there drawbacks to investing in the S&P 500?
- Wildfires
- September
- Earn an audience, and earn more in the long run
- Best for families and more frequent travelers: Hilton Diamond elite status
- Loss of use
- What activity doesn't earn Loyalty Points?
- NerdWallet’s online broker ratings
- Best insurance company for having few customer complaints: American Family
- Accommodations
- 18. Become an e-book writer
- Country Financial: Best for using an agent
- Cost
- 16. Down Payment Assistance Program (Bryan)
- The bottom line
- Part-year resident status rules
- Save
- When to expect your child tax credit refund
- 5. United℠ Explorer Card
- 11. Monetize your social media accounts
- Consumer complaints
- Amenities
- How to maximize your rewards
- 21. Host a yard sale
- Is consolidating credit card debt a good idea?
- Hotel-friendly benefits
- Frequently asked questions
- How it works
- 5. Manage your portfolio
- Single
- Exchange-traded funds
- Cheapest for 30-year-old drivers
- If you're ready to start a budget
- Home equity loans and lines of credit
- 10. Make the purchase
- Best for those who pack expensive equipment: Travel Insured International
- 5. Buy index funds
- Ask about special discounts
- How to claim lottery winnings
- 14. Consultant
- Home Depot Foundation Veteran Housing Grants Program
- 18. Refinance your student loans
- 15. Extended warranty
- 10. Walk or ride
- Pros
- It pays to know
- Book a rental car
- J.D. Power Ranking
- More resources on investing
- Pros and cons of cryptocurrency
- 2. Harder to get financing and business credit
- How to choose an online shopping cart
- Loan-origination charges
- Cheapest auto insurance for poor credit: Geico
- Where to buy non-owner car insurance
- Overall diversification
- 16. Upgrade to Marriott Bonvoy Gold Elite status
- Is an import/export business profitable?
- 8. Get advertising revenue from your blog or YouTube channel
- Personal liability
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Can I still get a past year's earned income tax credit?
- Investing in REITs: How to get started
- Shop around
- Take clear photos
- 6. BookWithMatrix
- Why we love RVshare
- LLC tax tips for business owners
- Sales and marketing
- Why it’s the best:
- U.S. Bank Cash+® Visa Signature® Card
- 1099-NEC
- Support
- Don’t count on the forgiveness plan B yet
- How full coverage car insurance works
- 3. Keep good records for the IRS
- 17. First-Time Homebuyer Assistance Program (Killeen)
- How to avoid a margin call
- What are promotional CD rates?
- 12. Get paid to stream on Twitch
- Consumer experience
- 11. Telehealth consulting
- 22. Engage with your community
- How does the Israel-Hamas war affect gas prices?
- Addressing airport lounge crowds
- 6. Pick your investments.
- Final thoughts on American Airlines Loyalty Points
- Step 5: Compare benefits
- 3. Building a budget
- W-4 calculator
- How can you save money on earthquake insurance?
- 19. Start ghostwriting
- Electrum: 2.5 out of 5 stars
- 7. Zip
- Our pick for: Customizable bonus categories
- What are the largest lottery jackpots ever?
- 4. Minimize restaurant spending
- 15. Event or wedding planner
- 2023 vs. 2024 standard deduction
- Related articles
- 19. Change your cell phone plan
- Travel protections
- Cons
- Expand your coverage with endorsements
- Final thoughts on Hilton points expiration
- Cryptocurrency pros
- How much does it cost?
- If your DTI is high
- Mortgage insurance or fees for government-backed loans
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- Credit cards and elite status can improve your overall experience
- 17. Upgrade to Hilton Honors Gold status
- How do import/export companies make money?
- Earthquakes
- Where to get it
- 4. Money market funds
- California state tax credits
- Other ways to make money
- Mission Lane Visa® Credit Card
- Small-business incubator programs
- Cheapest full coverage car insurance in Florida for 30-year-olds
- Compare car insurance rates for drivers with a DUI
- The bottom line
- How to avoid gift tax
- 18. First-Time Homebuyer Program (San Marcos)
- 16. Rental car coverage
- Other types of mortgage loans
- Nonresident status rules
- More from NerdWallet
- Invest
- NCQA Score Range: 2.0 to 4.5 out of 5
- Consequences of a child tax credit error
- 6. Get the agreement in writing
- Step 6: Establish relationships with vendors and suppliers.
- Taxes on bonuses: The bottom line
- 5. Optimize your stock portfolio
- October
- Mutual fund types
- Our pick for: No security deposit, low annual fee
- 2020-2022 earned income credit amounts
- Write an honest description
- 4. Explore your financing options
- How the FDIC calculates national rates
- PocketGuard, for a simplified budgeting snapshot
- 6. Keep an eye on your index funds
- 20. Become a resume writer
- 1099-OID
- 11. Stick to your budget
- Clif Family Foundation
- Avoid risky loans
- Pay off debt
- What if I don’t qualify?
- Tips for making money as a kid
- 18. Money-saving perks for stays booked through The Hotel Collection
- What is an export license?
- Flooding
- Final thoughts on Hilton Diamond vs. Gold
- Medical payments
- Investing
- Technology maintenance and repair services
- Gifting large sums of money to family
- 16. Ecommerce reseller
- Where to trade stocks
- When to claim the standard deduction
- 19. Homebuyer Residence Incentive Program (San Marcos)
- The bottom line on the new Robinhood IRA
- 17. Trip cancellation or interruption insurance
- Cryptocurrency cons
- 3. It’s harder to sell your business
- How will you take payments?
- Pest inspection
- 12. Education specialist or course creator
- 5. Tax Counseling for the Elderly (TCE)
- Stock (equity) funds
- California earned income tax credit (CalEITC)
- How to choose among the best ways to send money internationally
- Should you choose hotel and airline rewards over Avis Preferred Points?
- What else to know about Form W-4
- 21. Open a coworking space
- 3 best cold wallets
- 1099-PATR
- 5. Get discounts on entertainment
- Is it better to get a home equity loan or line of credit?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- 6. United Quest℠ Card
- Cheapest for 30-year-old drivers
- How much is non-owner car insurance?
- 6. Know when to sell stocks — and when not to
- 19. Complimentary benefits through Fine Hotels & Resorts
- What documents do I need to import goods?
- 9. Become an Instagram influencer
- What if you're not eligible?
- Loss assessment
- 8. Klover: Best for no-fee advances
- Price clothes to sell
- Address any lingering questions
- 1. Has the W-4 form changed?
- The 10 largest lottery jackpots
- 20. City Employee Loan Assistance (Waco)
- Pay off debt
- UnitedHealthcare Medicare service area
- State child tax credits
- 7. Honor the settlement agreement
- Is it as customizable as you need?
- Avoid taking on more debt
- Our pick for: Maximized value
- Alternatives to a credit card hardship program
- Prepaid expenses
- How it works
- Stock (value) funds
- California young child tax credit (YCTC)
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- 4. Saving money
- Cash advance apps
- 1099-Q
- Paying for vacations, cars or other stuff
- 17. Gig worker
- Corporate grants for nonprofits
- Should you buy stocks or bonds?
- 18. Trip delay reimbursement
- Step 7: Hire staff.
- Other policies
- How to get to La Mamounia
- California Department of Insurance
- November
- 5. Mutual funds
- B2B legal services
- Best insurance company for financial strength: Auto-Owners
- 22. Become an online coach
- 6. Map out major purchases
- How to find cheap full coverage auto insurance
- 12. Make the most of walk-throughs and open houses
- Alternatives to the best burial insurance
- NYC income tax rates
- Cryptocurrency legal and tax issues
- Wait to apply
- For credit scores of 690 or higher
- Cheapest full coverage car insurance in California for 30-year-olds
- 13. Medical billing and coding contractor
- Services
- The bottom line
- Where to get it
- Balanced funds
- California child and dependent care tax credit
- Prosper® Card
- Alternatives to startup business grants
- Reasons to take pause before renting from RVshare
- 2. What does it mean to be exempt from taxes?
- Best for adventurous travelers: World Nomads
- Compare buy now, pay later apps
- 1099-R
- Laid-back loans
- Kubota Hometown Proud Grant Program
- 19. Lost luggage reimbursement
- What to do if you can’t keep up with your HELOC payments
- What is the $500 credit for other dependents (ODC)?
- Frequently asked questions
- Tax monitoring and research fees
- 20. Free shipping with ShopRunner
- Looking for more insurance in California?
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- The bottom line
- Final thoughts on the best flight booking site
- Why it’s the best:
- 23. Flip failing websites
- Bank of America® Premium Rewards® credit card
- NJM: Best small regional insurer
- 18. Life coach
- More resources
- Repeat
- 1. What does "sole proprietor" mean?
- Step 8: Find the right POS system.
- Cheapest car insurance for young drivers: Geico
- 10. Monetize your Twitch channel
- Blended funds
- California adoption cost tax credit
- SBA microloans
- Travel and tourism service business ideas
- Ledger: 5.0 out of 5 stars
- Should you use a buy now, pay later app?
- Our pick for: Bank of America® customers
- 1099-S
- Joint bank accounts
- Grant programs in East Texas
- More about top-rated life insurance companies
- 20. Medical emergencies during travel
- Child tax credit vs. child and dependent care credit
- Title-related costs
- If you’re considering an upgrade to United Premium Plus
- 21. Concierge service
- 6. MilTax
- What are the Roth IRA rules?
- What’s not included
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- Summary: How to choose health insurance
- 24. Become a web developer
- 7. Restrict online shopping
- Comparing full coverage car insurance quotes
- Home purchasing tips
- 21. Down Payment Assistance Program (Beaumont)
- NYC tax rate schedule
- Margin trading risks
- 2. Can a sole proprietor have employees?
- If you want to get a Chase card with TSA PreCheck
- For any credit score
- Allstate vs. State Farm home insurance: The bottom line
- 14. Career coach
- 6. Index funds
- Bond (fixed-income) funds
- California nonrefundable renters tax credit
- Mortgages
- Pros and cons of loan apps
- MetLife: Best pet insurance for dogs
- 19. Virtual assistant
- 13. Don’t skip the home inspections
- Amazon Web Services (AWS) Imagine Grant
- What's next?
- UnitedHealthcare customer service
- Your decision: Is cryptocurrency a good investment?
- Cheapest minimum coverage car insurance in California for 30-year-olds
- 22. Low fares through the International Airline Program
- December
- Roth IRA withdrawal rules
- Buy now, pay later
- Cruise America: consider it the big box store of RV rentals
- 3. When should I review my W-4?
- 5. Stock your vending machine with inventory
- Honeydue, for budgeting with a partner
- 25. Start a podcast
- Pros
- 1099-SA
- 22. Homebuyers Assistance Program (Texarkana)
- The upside down: When debt and equity roles reverse
- Does homeowners insurance cover ... ?
- 3. Does a sole proprietor need an EIN?
- How it works
- Money market funds
- Event service business ideas
- Trezor: 4 out of 5 stars
- 23. Savings with the Cruise Privileges Program
- Roth IRA withdrawal penalty
- Capital One QuicksilverOne Cash Rewards Credit Card
- Friends and family
- Pros
- Amenities
- 26. Be a social media influencer
- What does a 1099 employee mean?
- 8. Delay purchases with the 30-day rule
- Why you can trust NerdWallet
- 20. Pet sitter and dog walker
- 23. Homebuyer Assistance Program (Tyler)
- Dividends and preferred stock
- 4. Be persistent
- 4. How do you change from sole proprietor to LLC?
- Closing costs for the seller
- 15. Child care provider
- 11. Sell your photography
- Where to get it
- How to track your California state refund
- How to save money on Florida condo insurance
- Our pick for: Average credit and rewards
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- Compare auto insurance rates for drivers with poor credit
- 4. Can I adjust my W-4 multiple times throughout the year?
- 14. Negotiate with the seller
- Step 9: Organize your finances.
- If you’re looking to stay at La Mamounia
- 24. Car Rental Privileges
- How do mutual fund profits work?
- How renting from Cruise America works
- Best insurance company for discounts: Amica
- Cons
- 6 things to know about New York state income tax
- The bottom line
- 6. Evaluate the price of the business with the earnings, assets or market approach
- Prime Visa
- Real estate agent commissions
- Cheapest auto insurance in California for 30-year-olds with poor credit
- Cheapest car insurance for senior drivers: State Farm
- 6. Make the right investments
- Best for medical coverage: Travelex Insurance Services
- 27. Create online courses
- SafePal: 3.8 out of 5 stars
- Bilt World Elite Mastercard® Credit Card
- 9. Get creative with gifts
- 21. Remote travel agent
- Selling bonds
- Types of homeowners insurance policies
- 25. Deals through the Amex Auto Purchasing Program
- 7. Direct File
- 1. Dividend payments
- Business credit cards
- Cons
- Other hardship assistance
- Why it’s the best:
- How to get to the Santo Mauro
- Our pick for: Paying rent
- USAA: Best for military and veterans
- Grant programs in the Upper Texas Gulf Coast
- Our pick for: Prime gaming
- Property and transfer taxes
- How to choose the right nurse entrepreneur idea
- Frequently asked questions
- 28. Become a marketing consultant
- 15. Buy adequate home insurance
- 24. First-Time Homebuyers Assistance Program (Baytown)
- Most popular: HO-3 insurance
- 26. An extra point when booking Platinum Destinations Vacations
- 2. Capital gains
- California state sales tax
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- 1. What is a service business?
- 22. Tour guide
- State Farm Good Neighbor Citizenship Company Grants
- Title insurance
- Assess your skills
- How to make money from home
- How it works
- Capital One Platinum Credit Card
- Budgeting resources from NerdWallet
- Methodology
- Alternatives to buy now, pay later
- 10. Lower your car costs
- 25. Homebuyer Assistance Program (Galveston)
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- 27. Additional value through the InCircle rewards program
- 7. Exchange-traded funds
- 3. Net asset value
- Our pick for: Average credit and no annual fee
- Crowdfunding
- 2. How do you start a service business?
- 29. Develop an app
- 23. Bookkeeper
- 12. Become a dog walker with Rover or Wag
- Are cash advance apps payday lenders?
- 5. Maximizing your credit cards
- How does Cruise America insurance work?
- 26. Homebuyer Assistance Program (Houston)
- Broadest coverage: HO-5 insurance
- Cheapest car insurance by state
- 28. AmEx Carbon Emissions Tracker
- Mutual funds vs. ETFs vs. stocks
- 5 things to know about California state tax
- Hardship financing to avoid
- 3. How do you calculate the break-even point for service businesses?
- Santo Mauro hotel recapped
- 11. Reduce your gas usage
- 24. Personal trainer
- Google Ad Grants
- Step 10: Market your retail business.
- Align your schedule
- Where to get it
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- 30. Make a smart appliance
- 27. First Time Homebuyer's Program (Texas City)
- Personal loans
- Why we love Cruise America
- 4. Do service businesses charge sales tax?
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Access to unique experiences
- Are apps like DailyPay and Payactiv cash advance apps?
- Methodology to identify the best budget apps
- 31. Tap into virtual reality experiences
- Other notable options
- Other home insurance companies to consider
- 28. First-Time Homebuyer Program (Brazoria County)
- Limited coverage: HO-1 and HO-2 insurance
- 29. The Global Dining Access by Resy
- 13. Sell unused gift cards
- 8. Stocks
- AvantCard Credit Card
- Best insurance company for customer satisfaction: State Farm
- 12. Bundle cable and internet
- 25. Baker
- Feed your passion
- Individual stocks
- Our pick for: Limited credit
- Cheapest for 40-year-old drivers
- Best if you have travel credit card coverage: Seven Corners
- 32. Make a niche dating site
- The Unless Project
- 29. Harris County Downpayment Assistance Program (Harris County)
- 30. Exclusive events
- Nationwide: Best for exotic pets
- Reasons to take pause before renting from Cruise America
- Pros and cons of starting a vending machine business
- Why it’s the best:
- Erie: Most generous coverage
- Target REDcard™ Credit Card
- Alternatives to cash advance apps
- 33. Develop a chatbot
- 13. Switch your cell phone plan
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- How to get cheap car insurance
- 31. An open invitation to events with Membership Experiences
- Cheapest full coverage car insurance in Florida for 40-year-olds
- 6. Borrowing money
- Pros
- Major issuers and their policies on instant credit access
- How homeowners insurance works
- 7. Secure capital to make the purchase
- Our pick for: Target gaming purchases
- The bottom line
- 14. List your spare bedroom on Airbnb
- Compare car insurance rates for drivers with an accident
- 34. Offer matchmaking skills
- Grant programs in South Texas
- 32. A better view with American Express Preferred Access
- Dividend stocks
- Outdoorsy: a hit and miss RV, peer-to-peer rental platform
- Cons
- 30. Home Closing Cost Program (Corpus Christi)
- Replacement cost vs. actual cash value
- Blue Cash Everyday® Card from American Express
- Student loans
- 35. Be a virtual assistant
- 14. Reduce your electric bill
- Aldi Cares Community Grants
- Cheapest for 40-year-old drivers
- Our pick for: Good credit
- 31. Homebuyer Assistance Program (Corpus Christi)
- Risks of getting cheap auto insurance
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- Best insurance company for military members: USAA
- Convenient features
- How renting from Outdoorsy works
- 36. Reinvent exercising
- 15. Lower your student loan payments
- 32. Down Payment Assistance Program (Laredo)
- Cheapest full coverage car insurance in California for 40-year-olds
- 33. No foreign transaction fees
- How to make money offline
- Best for long-term travelers: IMG
- Why it’s the best:
- Zendesk Tech for Good Impact Awards
- 37. Create eco-friendly, health-friendly makeup and beauty products
- Nationwide: Best online experience
- 33. Homeownership Incentive Program (San Antonio)
- 34. Upgrade with points
- 15. Sell your gently used clothes
- 9. Alternative investments
- 16. Cancel unnecessary subscriptions
- Why you can trust NerdWallet
- Capital One Venture Rewards Credit Card
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- 38. Open a food truck or restaurant pop-up
- 34. Home Ownership Program for Employees (HOPE) (San Antonio)
- 35. No preset spending limit
- Our pick for: Travel
- The Audacious Project
- Homeowners insurance deductibles
- Cheapest minimum coverage car insurance in California for 40-year-olds
- Taxes
- Cash advance app star rating methodology
- 39. Start an organization business
- 17. Refinance your mortgage
- 35. First Responders Homebuyer Assistance Program (San Antonio)
- 36. A lower annual fee on additional cards
- How does Outdoorsy insurance work?
- Capital One® Walmart Rewards™ Mastercard®
- Full list of the best car insurance companies
- 40. Do interior design for young professionals
- 36. Mortgage Assistance Program (Victoria)
- Our pick for: Walmart gaming purchases
- 37. CreditSecure
- 16. Trade in old phones, electronics for cash
- 10. Cryptocurrency
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- 18. Set savings goals
- Wells Fargo nonprofit grants
- Travel rewards
- Cheapest auto insurance in California for 40-year-olds with poor credit
- Apple Card
- Pets Best: Best flexible plans
- Reasons to love Outdoorsy
- How to choose a startup idea
- Openly: Fewest consumer complaints
- Protections
- Our pick for: Instant gratification
- Best car insurance companies by state
- How to find grants for nonprofits
- Retail and travel
- How to compare car insurance rates
- Best for travelers with unpredictable work demands: Tin Leg
- Your next step
- 38. Cell phone protection
- 17. Get a babysitting gig
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- Reasons to take pause before renting from Outdoorsy
- 19. Track spending
- 11. Real estate
- 1. Review your mission
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- 39. Purchase protection
- 7. Your credit score
- 1. Gather your information
- 20. Pay off high-interest debt
- 2. Refine your search with keywords
- 40. Return protection
- Venmo Credit Card
- How to find the best car insurance company for you
- PlayStation Visa Credit Card
- 18. Rent out your car
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- Our pick for: PlayStation purchases
- 41. Extended warranty
- Our pick for: Personalized rewards
- How much does it cost to rent an RV?
- 21. Keep savings in a high-yield savings account
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- 3. Narrow down based on location
- 8. Close the deal with the appropriate documents
- 42. Baggage insurance plan
- How to choose the best investments in 2024
- Best for booking travel with points and miles: TravelSafe
- State Farm: Best perks
- Cheapest for 50-year-old drivers
- 2. Choose the right liability car insurance coverage levels
- 22. Create a 50/30/20 budget
- 43. Car rental loss and damage insurance
- Different types of car insurance
- 4. Look for organizations with similar values
- 19. Sign up for TaskRabbit
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- 44. Premium Car Rental Protection
- Cheapest full coverage car insurance in Florida for 50-year-olds
- 5. Consider hiring a grant writer
- 45. Trip delay insurance
- Do you need insurance for an RV rental?
- Should you get minimum or full coverage car insurance?
- 23. Shop consignment and thrift stores
- Cheapest for 50-year-old drivers
- 46. Trip cancellation and interruption insurance
- 20. Become a private tutor
- Spot: Best for straightforward waiting periods
- Cheapest minimum coverage car insurance in Florida for 50-year-olds
- Emergency services: Assistance 24 hours a day
- Best for group travel insurance: HTH Insurance
- Cheapest full coverage car insurance in California for 50-year-olds
- 47. Premium Global Assist Hotline
- Why is car insurance so expensive?
- How to find the best home insurance policy in five common scenarios
- Best Buy credit cards
- 3. Decide if you need full coverage car insurance
- You’re a first-time home buyer
- 24. Join initiatives to get free items
- Our pick for: Best Buy purchases
- More about the card
- 21. Drive for Uber, Lyft
- 8. Taxes
- Should I consider buying an RV vs. renting one?
- Cheapest auto insurance in Florida for 50-year-olds with poor credit
- Cheapest minimum coverage car insurance in California for 50-year-olds
- You live in a high-risk area
- 25. Use car sharing services
- Cell phone protection
- 22. Make deliveries for Amazon, Uber Eats
- Why you can trust NerdWallet
- Purchase protection
- Cheapest auto insurance in Florida for 50-year-olds with one speeding ticket
- 9. Paying off debt
- You have a dog
- 26. Stock up on household supplies when they’re cheap
- Cheapest auto insurance in California for 50-year-olds with poor credit
- Return protection
- 4. Collect and compare car insurance quotes
- Types of travel insurance
- Extended warranty
- 23. Find work as a housesitter
- Types of travel insurance
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The car-buying process can be draining and daunting, from navigating auto loans to determining affordability and ownership costs. And the process can get even more difficult in the current market, where low inventory and higher-than-usual prices can make it hard to find the exact car you’re looking for.
Here’s a NerdWallet car-buying guide to help simplify the process and assist you with making the smartest financial decisions throughout the journey.
1. Set your budget
Setting a budget is the first step to take when buying a car — before you even start looking for a vehicle or set foot in a dealership. If you’re paying cash, this step will be easier and faster for you. Even then, you'll still want to be aware and prepared for the other costs associated with buying a car, like registration fees, taxes and insurance.
Most Americans finance their vehicle purchases. In 2022, 80% of new vehicles were financed and 40% of used cars were financed, according to research from Experian Automotive, an auto data research company. Setting a budget means determining how much you can afford for a down payment and for monthly car payments.
Here are the basics for setting a budget:
Determine the price of the vehicle you can afford based on your income and budget.
Use our auto loan calculator to see an estimate of your monthly car payment and total loan amount based on the vehicle price, interest rate, loan term, down payment and more. Try entering different vehicle prices and see how the loan payment changes.
Use our reverse auto loan calculator to determine your potential loan total, if you have a set monthly car payment already in mind.
2024
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
$368.47
2024
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Payment date | Principal | Interest | Monthly payment | Principal balance |
---|---|---|---|---|
Mar 2024 | $301.80 | $66.67 | $368.47 | $15,698.20 |
Apr 2024 | $303.06 | $65.41 | $368.47 | $15,395.14 |
May 2024 | $304.32 | $64.15 | $368.47 | $15,090.82 |
Jun 2024 | $305.59 | $62.88 | $368.47 | $14,785.23 |
Jul 2024 | $306.86 | $61.61 | $368.47 | $14,478.36 |
Aug 2024 | $308.14 | $60.33 | $368.47 | $14,170.22 |
Sep 2024 | $309.43 | $59.04 | $368.47 | $13,860.79 |
Oct 2024 | $310.72 | $57.75 | $368.47 | $13,550.08 |
Nov 2024 | $312.01 | $56.46 | $368.47 | $13,238.07 |
Dec 2024 | $313.31 | $55.16 | $368.47 | $12,924.76 |
Jan 2025 | $314.62 | $53.85 | $368.47 | $12,610.14 |
Feb 2025 | $315.93 | $52.54 | $368.47 | $12,294.22 |
Mar 2025 | $317.24 | $51.23 | $368.47 | $11,976.97 |
Apr 2025 | $318.56 | $49.90 | $368.47 | $11,658.41 |
May 2025 | $319.89 | $48.58 | $368.47 | $11,338.52 |
Jun 2025 | $321.22 | $47.24 | $368.47 | $11,017.29 |
Jul 2025 | $322.56 | $45.91 | $368.47 | $10,694.73 |
Aug 2025 | $323.91 | $44.56 | $368.47 | $10,370.82 |
Sep 2025 | $325.26 | $43.21 | $368.47 | $10,045.56 |
Oct 2025 | $326.61 | $41.86 | $368.47 | $9,718.95 |
Nov 2025 | $327.97 | $40.50 | $368.47 | $9,390.98 |
Dec 2025 | $329.34 | $39.13 | $368.47 | $9,061.64 |
Jan 2026 | $330.71 | $37.76 | $368.47 | $8,730.93 |
Feb 2026 | $332.09 | $36.38 | $368.47 | $8,398.84 |
Mar 2026 | $333.47 | $35.00 | $368.47 | $8,065.36 |
Apr 2026 | $334.86 | $33.61 | $368.47 | $7,730.50 |
May 2026 | $336.26 | $32.21 | $368.47 | $7,394.24 |
Jun 2026 | $337.66 | $30.81 | $368.47 | $7,056.58 |
Jul 2026 | $339.07 | $29.40 | $368.47 | $6,717.52 |
Aug 2026 | $340.48 | $27.99 | $368.47 | $6,377.04 |
Sep 2026 | $341.90 | $26.57 | $368.47 | $6,035.14 |
Oct 2026 | $343.32 | $25.15 | $368.47 | $5,691.82 |
Nov 2026 | $344.75 | $23.72 | $368.47 | $5,347.07 |
Dec 2026 | $346.19 | $22.28 | $368.47 | $5,000.88 |
Jan 2027 | $347.63 | $20.84 | $368.47 | $4,653.24 |
Feb 2027 | $349.08 | $19.39 | $368.47 | $4,304.16 |
Mar 2027 | $350.53 | $17.93 | $368.47 | $3,953.63 |
Apr 2027 | $352.00 | $16.47 | $368.47 | $3,601.63 |
May 2027 | $353.46 | $15.01 | $368.47 | $3,248.17 |
Jun 2027 | $354.93 | $13.53 | $368.47 | $2,893.24 |
Jul 2027 | $356.41 | $12.06 | $368.47 | $2,536.82 |
Aug 2027 | $357.90 | $10.57 | $368.47 | $2,178.93 |
Sep 2027 | $359.39 | $9.08 | $368.47 | $1,819.54 |
Oct 2027 | $360.89 | $7.58 | $368.47 | $1,458.65 |
Nov 2027 | $362.39 | $6.08 | $368.47 | $1,096.26 |
Dec 2027 | $363.90 | $4.57 | $368.47 | $732.36 |
Jan 2028 | $365.42 | $3.05 | $368.47 | $366.94 |
Feb 2028 | $366.94 | $1.53 | $368.47 | $0.00 |
2. Shop for a loan
After you’ve determined your budget, it's time to find the right loan for you. The loan amount and interest rate you’ll get will largely be based on your credit score and income. If you have a higher credit score, you’ll usually have a lower interest rate. On the flip side, those with poor credit scores typically qualify for loans with higher interest rates.
To completely understand what you qualify for, get a preapproved offer for a car loan. This is beneficial even if you plan to finance through a car dealership because it’ll give you negotiating power. For example, if the dealership tries to offer you a loan with 8% interest, you can show a preapproved offer for 5% interest for the dealership to match.
Compare the following lenders and get a preapproved offer.
Compare auto loans, rates and lenders: Find the right lender for your vehicle purchase.
Bad credit auto loan options: These loan options are for those with lower credit scores, in the mid-600s or below.
Loan options for first-time car buyers: See your finance options if you’re buying your first car.
Private-party auto loans: These lenders will finance cars purchased from a private seller.
3. Determine other ownership costs
Car costs go beyond just making loan payments. There are additional costs that increase how much you might have to shell out monthly, including registration fees, depreciation, interest, gas, insurance, maintenance and other fees.
Here are some resources to help you calculate the ongoing costs of owning a car:
Determine monthly ownership costs with this detailed breakdown.
Understand how much routine car maintenance usually costs.
Estimate your car insurance costs with our car insurance calculator.
Compare car insurance rates to make sure you’re not overpaying or overinsured.
4. Find the right car for you
Once you’ve analyzed the costs associated with buying a car, you can start to look for options based on the budget you’ve set. Depending on whether you’re looking for new, used or certified pre-owned options, you can shop with a trusted and reliable dealer in person or online through car-shopping marketplaces. You can also purchase used cars from private-party sellers on platforms like Craigslist and Facebook Marketplace.
Regardless of how you decide to shop, if you’re buying a used car, the first step to determine if a car is suitable is to look at its vehicle history report. These reports provide information about a car’s record of major accidents, previous owners and usage, mileage and more. They can even sometimes give you insight into a car’s past, like its maintenance record.
The following guides can help you during the car-buying process, based on what type of car you’re looking for.
How to buy a new car: These steps can help make the car-buying process for a new vehicle easier.
How to buy a used car: Whether you purchase from a dealer, a private-party seller or an online retailer, finding the exact used car you’re looking for can be rough in the current market. This checklist can make the process smoother.
Comparing car-buying apps: Apps like Autolist, Autotrader, CarFax and more can help you compare cars in your budget or even buy your car completely online.
5. Contact the seller or visit a dealership
After you’ve selected some options you’re ready to pursue, you can contact the seller or visit the dealership to see the car(s). This might be a matter of physically driving to the dealership and talking with a salesperson or entering data to receive an exact price online.
Here’s what to do once you’re ready to contact a seller or dealer:
Request a quote from a car dealer by email, phone or by filling out an online form to compare prices and costs across dealerships or sellers.
6. Inspect and test-drive the car, if applicable
If you’re buying a new car, it’s not necessary to have it inspected because there were no previous owners. But you should always test-drive a car to get a feel for how it moves on the road. However, if you’re buying a used car, there are additional steps you need to take to make sure you’re not paying more than a car is worth or buying a damaged vehicle.
Even after viewing a car’s vehicle history report, it's still important to view a car in person if you're able to and also have it inspected by a trusted and reliable mechanic. Pre-purchase inspections typically include test drives and can help to make sure there are no underlying problems with the car in question. Note that if you’re buying a car online, test driving may not be an option, but you should receive inspection documents at the very least.
Here’s what you need to know about a used car inspection:
Getting a third-party car inspection before you buy a used vehicle can help ensure it's in good condition.
7. Determine which warranties are right for you
Warranties and maintenance plans are not right for every buyer. But sometimes having the additional protection can make you feel safer and give you peace of mind. To determine if a warranty is right for you when buying, consider how long you expect to keep the car, how reliable the car is, and if it makes sense to waive a warranty at the time of buying and opt for it later on in the car’s life.
Note that you can buy other types of coverage — such as gap coverage and road hazard protection — from your auto insurer, which can often be cheaper.
Consider the following when deciding on a warranty plan:
Determine if you need an extended car warranty at all. If you have a reliable car and have some money saved to cover the cost of unexpected repairs, for example, you might not need one.
You can cancel your extended car warranty if you determine that it's not right for you.
8. Negotiate the best price
Deals are harder to find in the current market, but buyers can still try to negotiate down car prices to stay within their budget. Note that dealers might often charge more than the sticker price by adding fees and dealer options. Because of this, you'll want to compare the dealer’s asking price with the average market price.
When negotiating, be clear about whether you’re discussing the car’s “out-the-door” price, which includes taxes and fees, or only the sale price of the car. The following guide can help you while you negotiate.
How to negotiate car prices: Knowing your budget and doing research about the current market value of a car can help you during negotiations and potentially help you pay less than the manufacturer's suggested retail price (MSRP).
9. Maximize trade-in value, if applicable
If you’re trading in a car to purchase another, make sure you're getting the best trade-in price for your vehicle. The trade-in value is how much you’ll get toward the cost of another car when you trade in your car at a dealership. To get the best price for your trade-in, negotiate the trade-in value and the new car price separately.
Keep the following in mind as well, when trading in your car:
Determine what your car is worth before going to a dealer by using online retailers and pricing guides.
It's possible to trade in a car you owe money on, but it can be costly to do so. Learn more about negative equity to determine if it’s worth trading in the car right now.
10. Make the purchase
Now that you've decided on a car, it's time to make the purchase. This process includes reviewing and understanding your loan terms, questioning any unnecessary fees like dealer add-ons or advertising fees, understanding who your loan servicer is, where and how to make your payments, then signing to complete the process.
Before signing the contract, make sure to do the following:
Review your auto loan agreement by checking for things like what warranties are included or any unnecessary additional products and services, for example. Also, make sure any down payment or trade-in is credited.
Make sure the terms on your agreement match what you’ve calculated.
Pay necessary car-buying fees like sales tax, documentation fee and registration costs.