Best Things to Buy Every Month in 2024
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A new year is a good opportunity to take charge of your personal budget and develop a strategy for buying the things you want.
Create a list of the big buys you plan to make this year and use our guide to time each purchase right, so you can save money.
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- Consider how the buyer will pay for it
- How to save big with a sales tax holiday
- Lube shops vs. dealerships
- Multiple redemption options
- Protect your credit
- Black Friday
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- 21 most-shorted stocks by short interest
- Which careers have apprenticeships?
- See CD rates by bank
- When did stagflation last occur? What's different today?
- Wells Fargo joint account
- TransUnion credit freeze by postal mail
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- Calculate your DTI
- 5. Seek community loans and assistance
- Joann
- Use a budget planner
- When credit scores shouldn't be your top priority
- Buyer tips
- What is a business credit card?
- Your lease is ending
- Fiduciary duty vs. suitability standard
- Will your disability benefits change when you turn 65?
- You may want to save for in-home care
- What other forecasters say
- 3. Determine other ownership costs
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- 3. Move your automatic payments to a different card
- Key differences between term life and whole life
- Tend to your health
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- Median down payment by age
- Best Georgia car insurance for your budget: Auto-Owners
- Types of withholding and payroll tax
- March
- Transportation
- Do I have to pay state tax on lottery winnings?
- 4. Contact the IRS
- When debt consolidation is a smart move
- 3. The IRS has the paperwork you’ll need
- What CD early withdrawal penalties cost at some big banks
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- How does the IRS Free File program work?
- How brokers are paid
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- The challenge: Low inventory means slim pickings for buyers
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- An easier approach: ESG funds
- 3. Monthly debt payments
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- How your credit score affects your rate
- 3. Look like you know where you're going
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- 4. Automate your savings
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- Does Singapore Airlines have free Wi-Fi?
- How to pay off a mortgage early
- Cash App
- Kikoff fees and penalties
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- How long does it take to receive a replacement credit card?
- 4. It doesn’t have an annual fee, ideal for your XP
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- What is a hardship loan?
- 4. Neither card offers perks
- Best for extra perks: Aetna
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- 2. Empower: Best for fast cash
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- All year
- Should you pay the outstanding balance?
- When is the best time to use United miles?
- DFW airport terminals
- 5 ways to make money on Instagram
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- Benefits of QuickBooks Desktop Premier Plus
- 2. Decide how much to invest
- Best insurance company overall: Travelers
- 2. Consider debt consolidation
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- 6. Ask for forbearance on bills
- Exclusions
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- When will Bitcoin reach its cap?
- 3. … but the fees will take a bite out of that cash back
- How to consolidate payday loans
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- How lenders view your DTI ratio
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- How much does a Chick-fil-A franchise cost?
- 401(k)s and other employer-sponsored retirement plans
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- Should you buy growth stocks?
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- Best for member satisfaction: State Farm Medicare Supplement Insurance
- Cost of term life vs. whole life
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- 3. Use mutual funds for the base of your portfolio
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- You're eyeing travel perks or a massive sign-up bonus
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- 3. Property tax deduction
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- 3. Negotiate with your internet provider for a better deal
- What if there were no cleaning fees?
- Equitable customer complaints and satisfaction
- 3. Enjoy a tiki drink (or Dole Whip) at Trader Sam’s
- Best for member satisfaction: AARP/UnitedHealthcare Medicare Part D
- Consider other options, too
- Details: Chase Freedom Flex℠
- How to invest in mutual funds
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- Which states have an estate tax?
- 5. Reach out for help
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- What are the benefits of early direct deposit?
- Use your card's 'flexible financing'
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- Try to quit smoking
- Are bonuses taxed differently?
- Get input from a professional
- Closing costs calculator
- Budgeting with your partner
- BTC vs. BCH: Which is better?
- Advantages of filing separately vs. jointly
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- How much does it cost to buy Vanguard index fund shares?
- More to consider
- What's a money mistake you recently made? What did you learn from it?
- Cheap car insurance in Texas by age
- What the seller gets out of it
- Ask if the buyer can close despite a low appraisal
- How to know which premium travel credit card is best for you
- When can you withdraw from your Roth IRA?
- The risks of short selling
- Pros of apprenticeships
- Restrictions
- Is gap insurance worth it?
- How much are Capital One miles worth?
- State and institutional FAFSA deadlines
- Will you earn credit card rewards by purchasing lottery tickets?
- Savings account simple interest vs. compound interest
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- Input new refinanced car loan information
- When do passports expire?
- TransUnion credit freeze by phone
- 2. An interest-bearing checking account that earns 1% or more
- Is identity theft insurance worth it?
- When is the best time to use Alaska miles?
- How to unfreeze your credit
- 7. Request a payroll advance
- What's next?
- Best in Texas for having few consumer complaints: Chubb
- When you should lock your mortgage rate
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- What a good credit score can get you
- 3. Miles are scarce but valuable
- How do I open a SEP IRA?
- You'll (really) want to stay healthy
- Catering to nomads
- Where to find your AGI on your 1040
- 7 types of identity theft and the warning signs
- Mercury home insurance coverage
- Are Roth IRAs insured?
- 4. Find the right car for you
- 4. Pay the card in full
- Cheap car insurance in California by age
- Standard deduction 2023
- Why do I have to pay FICA tax?
- 5. Carrying a balance can inflict damage over time
- How to get a home equity loan
- How to claim the sales tax deduction
- How to get a hardship loan
- Qualifying for a second mortgage
- Local sales
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- Food
- Partner awards
- 4. Save for college
- 3. Redemption options are plentiful, but there are caveats
- Best life insurance company overall: MassMutual
- Earned income tax credit 2024
- Blue Cash Preferred® Card from American Express
- What’s the difference between pre-qualification and preapproval?
- Strategies to avoid a CD penalty
- Staying safe
- Request your passport number from the State Department
- Drawbacks of QuickBooks Desktop Premier Plus
- Roth IRA income limits 2023
- American Airlines premium economy vs. Main Cabin Extra
- 3. Don’t ask for too much cash
- More about Equitable
- How to day trade stocks
- Conventional loan limits
- If you paid via other methods, you have fewer options
- What does UPMC for Life Medicare Advantage cost?
- Why haven't I received my tax refund?
- 3. Prime members earn lucrative rewards
- How to apply for a Kikoff line of credit
- Who pays the closing costs?
- What is a tax exemption?
- What is the current unemployment rate?
- What is a good business credit score?
- How to book a seat in JetBlue Mint
- Avoid this situation next year
- Look beyond your paycheck
- What doesn’t impact your life insurance premium
- Cons of apprenticeships
- So what is the best Roth IRA?
- Using the mortgage points calculator
- IRA income limits
- 2024 IRS Free File: Participating tax software providers
- Capital One joint account
- How do I avoid foreign transaction fees on my debit card?
- Lifting a TransUnion credit freeze
- The lies told to auto insurers
- Save on bag fees
- How to get a liquor license in all 50 states
- How much do index funds cost?
- 4. Bundle your services for a better combined price
- National second chance banking
- Kirkland’s
- Keep at it
- 4. Leave the Rolex at home
- How do I build an emergency fund?
- Contact Nelnet customer service if you have questions about your Great Lakes loans
- Why is food so expensive?
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- Should you use a 401(k) loan to pay off debt?
- Do you have to contact anyone to switch from SSDI to Social Security?
- Which life insurance policy is right for me?
- Net worth calculator
- Home equity loan rates in 2023
- Why the Roth IRA works for many savers
- Are there any issues with early direct deposit?
- What’s a spousal Roth IRA?
- Should you pay a loan with a credit card?
- How to resolve an issue with a pending transaction
- How long does it take to get approved for a credit card?
- Types of REITs
- Qualifying surviving spouse
- Average down payment by state
- Cheap car insurance in Texas for 20-year-olds
- How to check your tax withholding
- How to contact your servicer
- How much should you spend on a mattress?
- April
- Synchronize closing timetables
- Transfers to other Chase cards
- Should I take a lump sum payment or annuity payments?
- 5. File taxes without a W-2
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- Spirit Airlines change fees
- How to find another company's EIN
- What to do once your Equifax credit freeze is in place
- Dispute responsibly
- 4. Flight redemptions get a 20% discount
- What are the risks of buying lottery tickets with a credit card?
- Why the Chase Freedom Unlimited® could be more appealing for some
- How much interest will I earn on $10,000?
- Is stagflation the same as a recession?
- 4. Deduction for repairs
- 4. Assets and additional applicants
- 8. Take a loan from your retirement account
- Business loan vs. business credit card: How to choose
- You want to turn a profit
- How do I know if I'm working with a fiduciary financial advisor?
- How to connect to Singapore Airlines Wi-Fi
- 5. Redeem your rewards
- Cheapest for 20-year-old drivers
- How to invest in dividend stocks
- What does a construction loan cover?
- The pros and cons of zero-based budgeting
- How to invest in AI stocks
- The difference between tax exemptions, tax deductions and tax credits
- How to apply for a joint business bank account
- How many banks have collapsed?
- 5. There are no other Merrick Bank credit cards to graduate to
- Best Georgia car insurance for customer complaints: Country Financial
- A quick guide to popular and new tax credits for 2024
- How has social media changed the way people learn about money?
- Is unemployment rising or falling?
- Do I have to pay California state tax?
- Best sustainable investments
- Is it a good idea to consolidate credit cards?
- Can United miles be used on other airlines?
- USPS mail hold
- You can finance through the builder — or any lender you choose
- 5. Fund your FSA
- Categories from previous years
- What if I lose the cashier's check?
- How to get gap insurance
- How to transfer a parent PLUS loan to the student
- Federal FAFSA deadline
- Why all-inclusives make sense for travelers
- How to invest in the S&P 500
- What doesn’t count as income
- 9 best health care stocks by one-year performance
- Compare cards
- How to lower debt-to-income ratio
- How to consolidate private student loans
- 4. Eat at the Anaheim Packing District
- 3. Open an investment account
- Endorsements
- Today’s rates for specific kinds of mortgages
- Best car insurance in California for customer complaints: Amica
- Does your DTI affect your credit score?
- How to open a Chick-fil-A franchise in 4 steps
- The significance of adjusted gross income
- USAA home insurance rates
- Buy only as much coverage as you can comfortably afford
- W-4 form 2024
- Standard deduction 2024
- Other Kikoff credit-building tools
- Frequently asked questions about IRS IP PINs
- Secured credit cards vs. prepaid debit cards
- 2. Free tax software
- 3. EarnIn: Best for large advances
- Negotiating a buydown
- Average cost of term life insurance by age
- How to get an apprenticeship
- How did we determine the value of Capital One miles?
- Reviewing the results
- How can you prepare for stagflation?
- Bottom line
- Alternatives to QuickBooks Desktop Premier Plus
- Calculate your reduced Roth contribution
- 3 excuses that keep you from making money investing
- 3. A CD ladder
- Historical Alaska mile values
- Diversifying with index funds
- 5. Check on assistance programs for a monthly discount
- 3. Work with your creditors
- 9. Borrow against life insurance
- 5. Use (and hide) your phone strategically
- 4. Getting into debt would be expensive
- What states are increasing minimum wages in 2024?
- How do I invest my SEP IRA?
- What’s a 'good' insurance credit score?
- 4. You’ll get a small introductory bonus
- 5. Contact the seller or visit a dealership
- How did we determine value?
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Google Pay
- How to choose between term and whole life insurance
- Are home equity loans a good idea?
- Other hardship loan options
- Best for local support: Blue Cross Blue Shield
- How to change a United flight
- Clothes, vintage and crafts
- Mattress-buying tips
- Fees
- How does a debt consolidation loan work?
- How to fill out Schedule E
- Is United’s basic economy worth it?
- The most valuable perks of the Hilton Honors American Express Aspire Card
- How to qualify for the earned income credit
- Average Disney World hotel room costs
- 4. You can write off Bitcoin losses
- When a car payment doesn't fit your budget
- Additional functionality
- Get more help with monthly budget planning
- Types of life insurance trusts
- What is American Airlines Main Plus?
- Additional Medicare Part D companies
- Find your conventional loan limit
- They lack information
- Workers fear losing hard-fought union benefits
- What affects your credit score?
- Should you claim early Social Security benefits?
- Estimate your 2024 IRS tax refund date
- Limiting the cost of Singapore Airlines Wi-Fi
- How do construction loans work?
- How does credit card approval work?
- Should I file taxes now or wait for the child tax credit expansion?
- Foundation grants for nonprofits
- How do you get a second mortgage?
- How to calculate the unemployment rate
- How do tax refund loans work?
- Review buyer 'extras'
- Sign-up bonus
- Debt
- 6. Request more time to file
- Chase Freedom Flex℠
- Do I still have to pay the IRMAA if I choose Medicare Advantage?
- How to unfreeze your credit with Equifax
- Elite status
- What is a short squeeze?
- Does pre-qualification affect your credit score?
- 5. It lacks transfer partners
- How to get parent PLUS loan forgiveness
- Online joint bank accounts
- The challenge: High prices push affordability to the worst it’s been in almost 40 years
- Drivers are inflating insurance claims
- Earn miles through the card
- 4. Consider a co-signer
- Some not-so-great first investments
- If everyone hates Airbnb cleaning fees, why still charge them?
- 10. Use a credit card cash advance
- Unique Aeroplan perks
- How to understand DTI ratio
- What is the difference between an inheritance tax and an estate tax?
- ESG investing vs. socially responsible investing vs. CSR
- When are New York state income taxes due?
- Compare your net worth
- Ways to get the best home equity loan rates
- How to open a Roth IRA in 6 steps
- How does cryptocurrency work?
- 6. Check the account periodically for trailing refunds
- 4. Know when to leave it to the pros
- Gift tax limit 2023
- How much liability car insurance you need
- Citi Flex Pay
- 3. What are your other options?
- When to get your first credit card for travel
- May
- How do I deal with lottery taxes?
- Do debt consolidation loans hurt your credit?
- 6. Subsidize your dependent care FSA
- 4. You can spend your way to a $250 RCI vacation credit
- Best life insurance company for applicants with HIV: Guardian
- 3. Bigger spenders can earn status
- How to redeem Hertz Gold Plus Rewards points for max value
- Watch out for fees
- Moving forward
- What’s the difference between S&P 500 index funds and S&P 500 ETFs?
- What are IRS Free File Fillable Forms?
- Pros and cons of investing in health care stocks
- How flexible are Alaska miles?
- Best insurance company for affordability: NJM
- The best times to day trade
- What is a good DTI ratio?
- Best homeowners insurance in Texas for consumer experience: Nationwide
- 6. Dress appropriately for the culture
- 5. Other cards might be a better option
- Consider the costs of cashing out your 401(k)
- How much does Costco travel insurance cost?
- 4. Airline miles program has useful partners
- What is the stock market doing today?
- What’s old is new again
- Book your travel reservations through the AARP Travel Center
- 5 types of employer-sponsored retirement plans
- Discounts
- Consider rounding up your coverage
- How to find the 2024 W-4
- State thresholds for the medical expense deduction
- Kikoff vs. Self
- How to find AI ETFs
- How much is the SALT deduction?
- Best Georgia car insurance for ease of use: State Farm
- What is California's standard deduction?
- Withholding tax vs. estimated tax
- LLC payroll taxes
- Diagon Alley
- Average certificate of deposit rate: 1.81% for one-year CDs
- Next steps
- State Farm home insurance rates
- Other ways to skip the TSA lines without paying
- When issuers check your income
- 5. Treasure hunt for antiques in Old Towne Orange
- Next steps: Compare and apply
- 11. Look for a payday alternative loan
- Special limits
- Is it worth trying to earn Free Spirit points?
- What is Georgia's standard deduction?
- Best California car insurance for ease of use: State Farm
- How much does a fiduciary financial advisor cost?
- Can you collect SSI and Social Security disability or retirement benefits?
- How much life insurance should I buy?
- Discounts
- 5. Financing options are available, but proceed with caution
- What's next?
- Standard deduction for those 65 or older
- Best for emergency medical coverage: Allianz Global Assistance
- Married filing jointly
- What not to do
- Taxes for rollover IRAs: 2 rules to know
- How quickly could the IRS implement the child tax credit expansion?
- What is the labor force participation rate?
- How buydowns differ from ARMs
- When debt consolidation isn't worth it
- How to change or cancel an EIN
- Cashier’s check vs. certified check vs. money order
- 4. You won’t want to carry a balance
- Benefits of a larger down payment
- Which card (or cards) should you get?
- Passport Type P recapped
- 3. Get disability and life insurance
- Other ways to track down your luggage, in addition to an AirTag or Tile
- Quick start guide: How to invest in index funds
- How to freeze your child’s credit
- Regional and state-based second chance checking accounts
- Minimum wage increases
- Your car was totaled
- How to get a good credit score
- 401(k) loan alternatives
- Do I have to pay New York state income tax?
- What is your modified adjusted gross income (MAGI)?
- How much does it cost to invest in the S&P 500?
- 6. Inspect and test-drive the car, if applicable
- How do I grow my home's equity?
- How to use a secured credit card to build credit
- What's your best advice for taking on a side gig?
- Language
- 0% intro APR offer
- More from tax filing resources:
- How did we determine the value of United miles?
- Advantages of itemized deductions
- Average cost of whole life insurance by age
- 5. There’s an introductory 0% APR offer on balance transfers
- Citi Custom Cash® Card
- How to increase your pre-qualification amount
- Other Roth IRA rules
- Insurance broker vs. independent agent
- How to get American Airlines Main Cabin Extra Seats for free
- States with the highest padded-claims costs
- 5. Other expenses
- 4. Pick an investment strategy
- 4. Seek help through debt relief
- 7. Buy a local SIM card to avoid high roaming costs
- How to complain about Great Lakes
- How are food prices tracked?
- How to calculate quarterly estimated taxes
- Ways to lower your DTI ratio
- Available Medicare Advantage plans
- SEP IRA vs. Roth IRA
- Average car insurance rates for poor credit
- Where's my 2024 state tax refund? Track your status
- If you fly first class on Singapore Airlines
- IRAs
- How much can you borrow with a home equity loan?
- How are cryptocurrencies created?
- Work on improving your health
- What if your application is denied?
- 2023 state income tax rates and brackets
- Why did First Republic Bank fail?
- What percent down payment do you need for a house?
- UMPD vs. collision: Which should you buy?
- What if a travel rewards card isn’t for you?
- 4. Varo: Best for existing bank customers
- The importance of tax withholding
- How do I find out if the Medicare IRMAA applies to me?
- What else you need to know
- 7. Rock your HSA
- What is naked short selling, and why is it illegal?
- Which insurance companies sell gap coverage?
- Traditional IRA withdrawal rules
- Things to consider when opening a joint bank account
- What about my goals besides retirement?
- 6. Sample beers at Brewery X
- Day trading risk management
- 12. Get a personal loan
- What is the median household income in the U.S.?
- Is a robo-advisor a fiduciary?
- How to reduce or avoid the federal estate tax
- What is stock market volatility?
- Consumer complaints
- Making the call
- Best for extra benefits: Anthem Medicare Supplement Insurance
- PayPal
- Do I have to update my W-4 every year?
- Gift tax limit 2024
- Requirements: Who qualifies for the child tax credit?
- How do you buy Vanguard Index fund shares?
- How much does it cost to refinance a mortgage?
- Bottom line
- What part of my income gets taxed by California?
- The bottom line
- Memberships
- How do you claim the premium tax credit?
- 5. Failure to report Bitcoin can be costly
- How much should you put down on a house?
- Marriott Bonvoy's exclusive transfer partners
- Park Hopper Plus
- When did all of the tech layoffs start?
- 5. Use collateral to secure the loan
- How to transfer Chase Ultimate Rewards® points to Avios
- How did we determine the value of Alaska miles?
- Federal student loan consolidation
- Maximum and average DTI ratios by mortgage type
- Full list of the best home insurance companies in Texas
- Other things to consider
- Claiming tax-deductible donations on your tax return
- How does coverage for prescription food work?
- 5. Some fees are high
- ESG investing examples
- How fast does a secured card build credit?
- Full list of the best car insurance companies in Georgia
- Best for low-cost plan availability: Humana
- June
- The bottom line
- How much money can you put in a Roth IRA?
- 5. You can see if you pre-qualify without a hard pull on your credit
- Who counts as a qualifying child for the earned income credit?
- Average Disney World food costs
- Getting the most from your pre-qualification limit
- Discounts
- You don’t need to have $10,000 to take advantage of compound interest
- How to look up passport numbers recapped
- Contributing too much to a Roth
- How to buy health care stocks
- What's the tax filing deadline for my Georgia state income tax bill?
- Full list of the top auto insurance companies in California
- How to get a tax refund sooner
- Consumer complaints
- Consumer experience
- Alternatives to term and whole life insurance
- How to get a construction loan
- How to minimize the tax impact of a bonus
- Where does an IRS audit take place?
- Need more auto liability insurance? Grab an umbrella
- Why you might prefer the Capital One Venture X Rewards Credit Card
- How much does a tax refund loan cost?
- Partner perks
- PayPal Cashback Mastercard®
- Disadvantages of itemized deductions
- Best life insurance company for consumer experience: Northwestern Mutual
- How can I avoid cashier's check fraud?
- Is joining the Hertz Gold Plus Rewards loyalty program worth it?
- Deaths and driving distractions
- If you're considering using a baggage tracker…
- Tips for writing a company overview
- When should you freeze your credit?
- Disadvantages of franchising for the franchisee
- 13. Rent out a room
- Conditions
- Which Costco travel insurance plan is best for me?
- If you inherit or bequeath something, watch out for capital gains tax
- What is New York state's standard deduction?
- Home equity loan requirements
- Why are there so many kinds of cryptocurrency?
- 7. Determine which warranties are right for you
- See if zero-based budgeting is right for you
- Closing costs for the buyer
- Could we be in an AI bubble?
- Married filing separately: Bottom line
- How the lifetime gift tax exclusion works
- 3. Volunteer Income Tax Assistance (VITA)
- Is solar panel installation right for your home?
- Final thoughts on changing your United flight
- Electronics
- How is the job market right now?
- LLC self-employment taxes
- Earn rewards with Hawaiian Airlines
- Tips to get a approved for a personal loan with bad credit
- 8. See if you’re eligible for the earned income tax credit (EITC)
- The picture so far
- Where to buy identity theft insurance
- 7. Sample boysenberry boba and fried chicken at the California Marketplace at Knott's Berry Farm
- Best Android personal expense tracker apps
- 8. Join solo female traveler Facebook groups
- How to settle a dispute with Great Lakes
- Other ways to pay off your payday loans
- How to earn Avis Preferred Points
- SIMPLE IRA vs. SEP IRA
- How much do life insurance policies cost?
- Do all auto insurers use credit-based insurance scores?
- Types of ESG investments
- Singapore Airlines Wi-Fi, recapped
- How to adjust your Form W-4
- Why did Silicon Valley Bank fail?
- Barclays Easy Pay
- More about the influencers
- Why do I need a business credit score?
- Am I a resident for California state tax purposes?
- How buydowns differ from discount points
- Shopping
- Basic economy
- How do I pay the Medicare IRMAA surcharge?
- How much does gap insurance cost?
- How to earn more interest in a savings account
- What happens if your estimated income is off
- The challenge: Multiple offers are common, and first-time buyers have less cash
- Bottom line: Is day trading right for you?
- How much does homeowners insurance cost in Texas?
- What isn’t covered by Costco travel insurance?
- Bottom line
- How do you invest in the stock market?
- Is an AARP membership worth it for travelers?
- Consumer experience
- Manage any preexisting medical conditions
- Standard deduction for dependents
- Additional child tax credit
- How to find the best refinance rates
- What does the Job Openings and Labor Turnover Summary report show?
- Shopping/travel/fraud protections
- Fees to check in and obtain your boarding pass for your Spirit flight
- The bottom line on short selling
- Recap: How to get a cashier's check
- Can I claim the EITC without a child?
- Other considerations to determine your down payment
- Consumer complaints
- Marriott Bonvoy transfer partners to avoid
- Other ways to buy insurance
- 6. Find the right lender
- Other ways to save on prescription food
- Are these the best dividend stocks?
- Interest-based passive income ideas
- What taxes aren’t covered by the SALT deduction?
- Married filing separately
- What are the best Vanguard index funds?
- 5. Dave: Best for repayment flexibility
- July
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- 8. Don your dirndl at Old World Village
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- 8. Negotiate the best price
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- 15. Become a rideshare or delivery driver
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- 16. Cut your insurance premiums
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- August
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- 9. Ride the Giant Wheel at the Irvine Spectrum
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- 9. Maximize trade-in value, if applicable
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- 17. Consolidate your debt
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- Ask about discounts for paying your premium annually
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- After deciding
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- Are there drawbacks to investing in the S&P 500?
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- When to expect your child tax credit refund
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- How to shop for Medicare Advantage plans
- September
- Fees for in-flight refreshments
- Best life insurance company for permanent life insurance: Pacific Life
- If you want to leverage Marriott’s transfer partners ...
- Best insurance company for having few customer complaints: American Family
- NerdWallet’s online broker ratings
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- 10. Make the purchase
- Best for those who pack expensive equipment: Travel Insured International
- It pays to know
- Single
- More resources on investing
- Bad credit loans to avoid
- 11. Consider selling those dogs weighing down your portfolio
- Is consolidating credit card debt a good idea?
- Types of financial planning help
- 18. Refinance your student loans
- If you're ready to start a budget
- Frequently asked questions about estimated tax payments
- How to build your credit and get cheaper insurance
- Shop around
- Investing in REITs: How to get started
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- 7. SoLo Funds: Best for peer-to-peer cash advances
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- U.S. Bank Cash+® Visa Signature® Card
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- What to know about Texas homeowners insurance
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- W-4 calculator
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- Types of FIRE
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- How much do ETFs cost?
- If your DTI is high
- 19. Change your cell phone plan
- Western Union
- Taxes on bonuses: The bottom line
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- How to avoid gift tax
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- If you stay at a Marriott in the Caribbean
- Other tips for spending on a credit card in Vegas
- Apparel and shoes
- October
- 12. Get the timing right
- How the FDIC calculates national rates
- Boiling it all down
- Advantages of franchising for the franchisor
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- Mutual fund types
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- November
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- Best for adventurous travelers: World Nomads
- What is the $500 credit for other dependents (ODC)?
- OK, what's next?
- Alternatives to personal loans for bad credit
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- 6. MilTax
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- December
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January
With a fresh page on the calendar comes a fresh start for sales. These items are discounted in January:
Bedding and linen. Department stores hold bedding and linen “white sales” in January with deep discounts on sheets and towels.
Fitness equipment. Retailers will meet goals to get in shape with decent deals. Expect workout gear and apparel sales to abound at sporting goods stores. (Tip: Tread lightly on a treadmill purchase unless you're sure you’ll use it. It’ll always be cheaper to walk around the block.)
TVs and electronics. Just before the Super Bowl, retailers normally discount TVs and other home theater essentials.
Mark your calendar: Martin Luther King Jr. Day is Jan. 15.
Freebie day: National Spaghetti Day is Jan. 4.
February
It’s the month of love and gift-giving, but February might be a better time to buy major items for yourself than trinkets for your loved one. Options include:
TVs. Television sales spill over from January into February ahead of the Super Bowl. Aside from Black Friday, this is one of the best times to buy a TV.
Winter items. With winter winding down, retailers will be looking to unload inventory of cold-weather products. Look for sales on apparel and winter sports gear that you'll need later in the year.
Home goods. Expect retailers to put home stuff on sale for Presidents Day and the weekend preceding the holiday.
Leftover chocolate. The savvy couple does Valentine’s Day a week late to save a buck. Grab a heart-shaped box of candy on Feb. 15, when stores will be discounting their Valentine’s Day leftovers. It’ll be easier to get a dinner reservation after Feb. 14 too.
Mark your calendar: Super Bowl Sunday is Feb. 11, Valentine's Day is Feb. 14 and Presidents Day is Feb. 19.
Freebie day: National Frozen Yogurt Day is Feb. 6.
March
There aren’t any major shopping holidays in March, but that doesn’t make for a total lack of sales. Look for deals on these products:
Tax software. Retailers like to discount tax software in March, ahead of Tax Day in April.
Grills. Buy your summer grilling necessities now to avoid a spike in prices when summer arrives.
St. Patrick’s Day essentials. Around St. Patrick’s Day, online retailers and department stores usually discount green clothing, party supplies and jewelry.
Vacuum cleaners: Some retailers will be ready to reward early spring cleaners with a deal on a Dyson, Shark or other brand of vacuum.
Mark your calendar: St. Patrick’s Day is March 17 and Easter Sunday is March 31.
Freebie day: Pi Day is March 14, because 3.14 (get it?).
April
April has its fair share of spring deals and discounts, including:
Vacuums. April is the real cleaning month and will bring more deals on vacuums. Look for markdowns at department stores as well as on manufacturers’ websites.
Tax-themed items. Year after year, retailers and restaurants try to lighten the burden of Tax Day with discounts and freebies on services like paper shredding. Keep an eye out for these around mid-April.
Beauty products. Time to get outside and look your best. The Sephora spring sale is usually this month.
Sustainable items. To celebrate Earth Day, be on the lookout for retailer deals on sustainable items, such as reusable totes and water bottles, sustainably made clothing and other “green” products. Is this the year you start composting? We support that.
Mark your calendar: Tax Day is April 15.
Freebie day: Earth Day is April 22.
May
April discounts give way to more in May. Here’s a look at some items to consider buying this month:
Spring apparel. By May, retailers will discount spring clothing that has already been hanging on racks for a month or two.
Furniture. Three of the biggest blowout shopping days are Black Friday, Labor Day and Memorial Day. Memorial Day is in May, so look for furniture and home decor discounts from big-box stores.
Small kitchen appliances. Use May discounts as an opportunity to buy small kitchen appliances, such as coffee makers and blenders. Typically, these products are included in Memorial Day sales, and they make great gifts for upcoming summer weddings.
If last year’s shopping research is any indication, prices on select kitchen gadgets could drop the Friday before Mother’s Day.
Mark your calendar: Mother’s Day is May 12 and Memorial Day is May 27.
Freebie day: National Hamburger Day is May 28.
June
June is short on days, but long on the list of deals. Smart purchases include:
Lingerie. Stock up on undergarments in June. That’s when Victoria’s Secret, for example, has been known to host its famous semiannual sale. The sale also typically occurs in December.
Other semiannual sales. The midway point is known for sales at lots of stores. In past years, we’ve seen stores like Bath & Body Works and Brooks Brothers hold semiannual sales in June.
Gym memberships. Consider buying a gym membership during the summer, and be sure to negotiate for the best deal. Gyms may be eager for sign-ups when people are more likely to spend time outside.
Tools and other dad gifts. In preparation for Father’s Day, many retailers will offer deals on a variety of power tools and outdoor gear, as well as things like men’s clothing. Solo Stove has discounted its portable fire pits around this time in the past.
Mark your calendar: Father’s Day is June 16.
Freebie day: National Doughnut Day is June 7.
July
In July, prices drop like it’s hot. Consider buying these:
Summer apparel. The sun is still out, but demand for summer clothes starts to go down. So, buy up shorts, tanks and flip-flops while stores make it worth it. Buy only what’s on sale, though.
July Fourth items. Retailers like a reason to celebrate. In the days leading up to Independence Day, there’s usually an abundance of sales on red, white and blue products, as well as on barbecue and backyard items, sporting goods, jewelry and furniture.
Personal electronics on Prime Day. Amazon’s Prime Day happened on July 11 and 12 in 2023, so you can likely expect similar timing in 2024. It’s basically Black Friday in July, and it’s a hot sale for electronics and gadgets, among other categories. It also drives other retailers to compete with copycat sales.
School supplies. Kids won't want to think about the end of summer yet, but retailers start putting school supplies on sale in late July. If you have supply lists in hand, shopping back-to-school early can help you avoid the August rush.
Mark your calendar: Independence Day is July 4.
Freebie day: National Ice Cream Day is July 21 and National Lipstick Day is July 29.
August
Close out summer by buying summer products? That’s right. Look for end-of-season clearance sales in August on:
Back-to-school supplies. The start of school marks the need to buy low-cost items such as notebooks and pencils and more expensive ones like calculators and laptops. Generally, the closer to the start of the school year you buy, the better your chances of getting a good price.
Backyard products. Ride out the end of summer with a big deal on lawn mowers and other seasonal outdoor equipment, like a grill.
Swimsuits. There may not be many swimming days left by the time August rolls around, but that’s exactly why swimsuit clearance sales will crest. Buy swimsuits now for next year.
Tax-free shopping. Back-to-school can be expensive. However, to aid in the purchase of school supplies, clothes, personal computers and other approved necessities, many states offer a tax-free weekend. If yours does, check the date and have your list ready.
Mark your calendar: For many school districts, the first day of school is in August.
Freebie day: National Waffle Day is Aug. 24.
September
With deals on items as varied as mattresses and pool toys, September is a surprising month for good buys. Score reasonable prices on these:
Mattresses. Year after year, September is a good time for mattress sales. Expect deals from department stores and mattress centers, usually as a part of Labor Day promotions.
iPhones. Apple often announces its latest iPhone lineup and other products in September. The unveiling is usually followed by a drop in prices on the models that have been around awhile. Check out used iPhones around this time too.
Appliances. Expect a series of blowout deals in the week leading up to Labor Day, including promotions on appliances big and small.
Mark your calendar: Labor Day is Sept. 2.
Freebie day: National Cheeseburger Day is Sept. 18.
October
Retailers won't ghost you in October. There will be plenty of deals on these product categories:
Outdoor furniture. Expect deals on patio furniture and outdoor living products when the weather turns cool.
Jeans. Fall inventory arrives in stores in August and September, but you’ll pay top dollar unless you wait a few weeks. October is a great time to buy a new pair of jeans.
Candy. The closer you get to Halloween, the better your chances of snagging a discounted bag of candy for trick-or-treaters.
Holiday gifts. Amazon has held a Prime Day-like shopping event in October for the past two years. The multi-day event sparked similarly-timed sales from retailers like Target, Walmart and Best Buy and featured deals that rival Black Friday and Cyber Monday. These events have made early October a top time to buy gifts or things you need for yourself.
Mark your calendar: Columbus Day and Indigenous Peoples Day are Oct. 14 and Halloween is Oct. 31.
Freebie day: National Taco Day is Oct. 4 and National Dessert Day is Oct. 14.
November
November is the real month for Black Friday sales, which means some of the most popular technology products fall to their lowest prices. Expect most retailers to offer some kind of deal on products in nearly every category — not just on Black Friday, but throughout the month.
Electronics. Gadgets like TVs, tablets and laptops take center stage during Black Friday sales. Look for discounts on headphones, smart speakers and activity trackers, too.
Clothing. November has to be the busiest month for clothing catalogs. Scan the brands you like for discounts, and shop stores like Gap, Land’s End and American Eagle directly online for surprise coupon codes.
Streaming subscriptions: As if you need another password to remember, November has become a great time to sign up for a new streaming service. Popular content providers like Hulu and Paramount+ have offered solid subscription discounts during extended Black Friday sales in the past.
Mark your calendar: Thanksgiving is Nov. 28 and Black Friday is Nov. 29.
Freebie day: National Sandwich Day is Nov. 3.
December
The end of the year is just the beginning of discounts in some product categories. Look for sale prices on these items in December:
Electronics. Those Black Friday electronics deals from late November will spill over into the new month.
Small kitchen appliances. Cyber Monday 2024 falls on Dec. 2, and it’ll likely be a great time to get an air fryer. NerdWallet monitored prices on 10 popular products during every major sale of 2023. Each of the three kitchen gadgets on our list — an air fryer, stand mixer and coffee machine — hit low prices on Cyber Monday.
Toys. Toys are popular holiday gifts, and stores generally drop prices as the season draws to a close. Look on Black Friday but buy in December.
Christmas decorations. Beginning the day after Christmas, shop sales for deep discounts — often upward of 50% — on decorations, wrapping paper, ornaments, artificial trees and similar seasonal fixings.
Mark your calendar: Christmas is Dec. 25. Hanukkah starts Dec. 7.
Freebie day: National Cookie Day is Dec. 4.