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- March
- 2. Test websites and apps
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- 1. Health care and consumer staples stocks
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- How to unfreeze your credit
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- Self offers a related secured credit card
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- Best insurance company overall: Travelers
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- Goodbudget, for hands-on envelope budgeting
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- Best insurance company overall: Travelers
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- An alternative to chasing the best stocks
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- An alternative: Blue-chip funds
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- Step 3: Get certified, pay CrossFit fees
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- May
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- Still not sure which budget system is best for you?
- What is the median household income in the U.S.?
- Short-term loan
- What else you need to know
- Compare Roth 401(k) vs. traditional 401(k)
- The right savings rate
- What is Georgia's standard deduction?
- Why did First Republic Bank fail?
- How do I grow my home's equity?
- 6. High-yield checking accounts
- 1. Have a goal for your index funds
- Why it’s the best
- Debt-to-income ratio
- Protecting yourself while staying in a shared space
- Tips to find cheap flights any day of the week
- How did we determine the value of American miles?
- Costs of using a passport courier
- Travel ID requirements for kids recapped
- Optional tips add up
- 4. Capital One Travel
- Earning Miles&Go miles with partners
- 5. It offers a low intro APR on purchases and balance transfers
- Why liquid assets are important
- How long will the rental be covered?
- 6. Find suppliers
- Next Steps:
- Why some cars cost more to insure
- 5. Other cards with airport lounge access
- What do the approvals mean for Bitcoin?
- Dynamic pricing
- 6. Enrichment activities for children
- What it means for other home buyers
- Step 4: Gather loan documents
- 5. Book your cruise
- 5. It reports to all three credit bureaus
- U.S. passport agency locations
- 3 tips to control central air conditioning installation costs
- Compare car insurance rates for 35-year-olds
- Retail arbitrage
- How much is car insurance by company?
- Net worth of U.S. families by race or ethnicity
- What if you can’t pay your bills?
- 1. How long you have to rollover a 401(k): The 60-day rule
- Bonus features
- 6. Invest for more than retirement
- 5. Preferred dividends
- HELOC requirements
- Cold wallet
- How do you buy Vanguard Index fund shares?
- 7 ways to reduce your 401(k) taxes
- Why flying JSX still might not make sense
- Alaska lounge pass discounts
- Other low-down-payment mortgage options
- Additional standard deduction 2023 (taxes due 2024)
- How are food prices tracked?
- How much insurance you need in California
- Disability housing grants
- Things to consider
- 7. Improve your credit
- Use a co-signer
- How are cryptocurrencies created?
- 4. Varo: Best for existing bank customers
- Other insurance available from biBERK
- Book one to three months in advance
- Best for extra benefits: Anthem Medicare Supplement Insurance
- Bank of America® Customized Cash Rewards credit card
- How to get a lower interest rate on private student loans
- Commit 20% of your income to savings and debt paydown
- EveryDollar, for simple zero-based budgeting
- Claiming tax-deductible donations on your tax return
- Final thoughts on redeeming American Airlines miles
- Strategies to combine flexibility and high rates
- What's next?
- Which should you get?
- Charity Charge Nonprofit Business Card
- Bottom line
- Why it’s the best
- 5. Treasury notes, bills and bonds
- Benefits of RSUs
- Travel and shopping protections
- Use a co-signer
- 1. Examine your cooling needs
- 11. Business planning service
- Which card should you get?
- How much umbrella insurance do you need?
- Mutual fund fees
- Choice
- 5. Time your services
- June
- Earn more with loyalty
- Experian business credit scores
- You can use credit card benefits to travel in basic economy
- 4. Sell some merch
- Full list of the top auto insurance companies in California
- Avianca checked bag policy
- 4. The value of Southwest points
- 6. Optimize your finances with tax planning
- 3. Learn the difference between investing in stocks and funds
- Your next step
- Pell Grant disbursement
- TAP Air Portugal earnings rates
- How to do well on Upwork
- 6. Get the proper permits and licenses
- What if I don’t have personal auto insurance?
- Cons of booking a monthly Airbnb rental
- 7. Suspend your benefit
- 5. You won’t want to carry a balance
- 6. Make a complaint
- Earned Income tax credit
- American Express
- What do I need for my loan application?
- Who qualifies for the SAVE plan?
- Medicare Part D (prescription drugs)
- Custodial wallet
- Fees across U.S. airlines
- 6. Pell Grant award expands
- 9. Coverage if your trip is canceled or delayed
- Venmo Credit Card
- Net worth of U.S. families by education
- Best life insurance company for consumer experience: Northwestern Mutual
- How important is it to pay no balance transfer fee?
- Drawbacks
- 2. Taxes are withheld
- The long strangle
- Account linking
- How are gas prices determined?
- Personal loans
- 3. Bonds
- 6. Dividend funds
- Capital One® Walmart Rewards™ Mastercard®
- Should you fly JSX with your pet?
- Should you pay your mortgage with a credit card?
- When should you freeze your credit?
- Additional standard deduction 2024 (taxes due 2025)
- How can I avoid cashier's check fraud?
- 6. Oneworld business-class lounge (TBIT)
- 6. Find out who's responsible for paying what in a claim
- 2. Research index funds
- Chase Freedom Flex℠
- 4. Rewards for insurance premiums are capped
- 1. Use a CD ladder
- The cost of selling a house and moving
- Competitive pricing
- 6. Make last-minute plans to pass the time
- 7. Gather your loan paperwork
- How to maximize your rewards
- 2. Time it right
- 12. Tax consulting
- I bonds and taxes
- 5. Upwork
- 4. Borrow from your 401(k)
- How to get a loan from a credit union
- Find the best homeowners insurance in your state
- Hilton
- Am I a resident for California state tax purposes?
- Cheapest auto insurance in Florida for 20-year-olds with one speeding ticket
- 5. Make money from your blog with affiliate links
- LLC self-employment taxes
- How to track your passport status, recapped
- How to get a home equity line of credit
- What's the same?
- The magic of compound growth
- Native American Direct Loan
- Full list of the best car insurance in New Jersey
- Do all auto insurers use credit-based insurance scores?
- 5. LinkedIn
- Should you choose biBERK for business insurance?
- Credit cards for earning American AAdvantage miles
- 2. Managing money
- Example CD APYs at select institutions
- Repayment may lead to an overdraft
- MGM-Marriott partnership recapped
- Do I have to repay a Pell Grant?
- Walk or bike
- How does coverage vary for international rentals?
- ❌ Last-minute cancellation risks
- Smart strategies usually involve some delay
- 7. Mobile apps and entertainment for children
- Methodology
- When will I get my refund?
- 6. Complete your documentation
- The bottom line
- How much do life insurance policies cost?
- 10. Baggage delay insurance
- 7. Determine which warranties are right for you
- 6. Pick your investments
- How I bonds are taxed
- 5. Revise and condense your mission statement
- Resident status rules
- Why you might not want to roll a 401(k) to an IRA
- 7. Chat with an advisor
- Exchange frequently? Consider a multicurrency account
- Government bonds
- What's the tax filing deadline for my Georgia state income tax bill?
- Standard deduction for dependents
- Why did Silicon Valley Bank fail?
- 8. Don’t drive a lot? Consider usage-based insurance
- Become an authorized user
- Why are there so many kinds of cryptocurrency?
- Who would benefit from a Cardless credit card?
- Down payments and gift funds
- So, how much is a U.S. passport?
- Is Upwork the right freelance marketplace for you?
- How to improve your liquid net worth
- Step 6: Find a gym space, get permits
- 2. Open a no-penalty CD
- Learn more
- Willing to spend time to maximize rewards? Go with the Chase Freedom Flex℠
- Become an authorized user
- 3. Look for equipment rebates and tax credits
- Cheapest car insurance after a DUI
- Average annual car insurance costs from large companies
- 3. Loan processing takes over
- Hyatt
- 6. PenFed Pathfinder® Rewards Visa Signature® Card
- Security
- Why do I need a business credit score?
- Loans for buying other businesses
- How to evaluate dividends
- What to do with the Bitcoin you buy
- 5. Offer memberships
- What's next?
- In-flight purchase discount
- Frequently asked questions
- Recap: How to get a cashier's check
- How to switch plans and keep your number
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Fast-cash options to consider instead of an app
- First-time home buyer programs near Colorado
- 7. Find a location
- 7. Secure funding
- 8. Use a do-over
- How to save on car insurance
- Value-added pricing
- Medigap (Medicare Supplement Insurance)
- 7. Wait it out in the airport
- Where to find the best savings accounts
- Full list of the best car insurance companies in Texas
- Drawbacks of RSUs
- 11. Rental car coverage
- Verizon Visa® Card
- NerdWallet home insurance calculator methodology
- July
- Perks await when you fly economy with elite status
- What are the best Vanguard index funds?
- How to choose
- Cons of a credit freeze
- How do I make a budget template?
- 5. Understand your investment options
- How long do I need an SR-22 in California?
- Set a price alert
- Average money market account rate: 0.66%
- 7. Invest to build your future goals
- Airline partner earning rates
- What is the procedure for filing a claim?
- 3. Try a bump-up CD
- What do the approvals mean for other crypto investments?
- 8. Shared accessories and attire
- 8. Get a preapproval letter
- Can you get a passport in one day?
- How to finance central air installation
- 13. PR agency
- Dropshipping
- 3. Sell your castoffs
- Can you lose money in mutual funds?
- IHG
- LLC sales taxes
- Dividend per share (DPS)
- How much can you borrow with a HELOC?
- 3. Pick your index funds
- Why you can trust NerdWallet
- What company has the best rates for good drivers with poor credit?
- Checked bags for elite members
- 5. Dave: Best for repayment flexibility
- 5. How to earn a Southwest Companion Pass
- Alternatives to biBERK business insurance
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- Charitable contributions 2023
- 5. All three come with cell phone insurance
- Your home's condition
- Step 5: Submit your application and get funded
- How to apply for the SAVE plan
- Planning a cruise recapped
- 7. Application available in more languages
- 12. Travel assistance
- I bond tax benefits
- Capital One Venture Rewards Credit Card
- How much does umbrella insurance cost?
- 4. The underwriter makes a decision based on your documentation
- Credit union vs. online lender
- Mission statement examples
- Cheapest auto insurance in Florida for 20-year-olds with one at-fault crash
- 6. Sell your wares on Etsy
- Drawbacks
- Can you contribute to a rollover IRA?
- Customer support
- How do I get my business credit score?
- The best place to exchange currency at the end of your trip
- Which airlines are partnered with Alaska Airlines?
- 4. Debit card
- When can't you take the standard deduction?
- What is included in a small-business budget?
- Stocks
- How do I get a restricted driver’s license in California?
- 7. LAX Centurion Lounge (TBIT)
- Rebook if you find a cheaper price
- What’s coming to Honolulu public transit next?
- Step 7: Get a business checking account, credit card
- ❌ Strict cancellation policies
- Tax Day resources
- Next Steps
- 8. Negotiate the best price
- Home equity loan
- Our pick for: Flat-rate travel rewards
- Best life insurance company for coverage amounts: New York Life
- The bottom line
- Marriott
- Part-year resident status rules
- Best insurance company for accident forgiveness: Geico
- Types of gas
- Dividend yield
- 3. Funds that track specific sectors
- FHA appraisal
- Example money market account APYs at select institutions
- 5. Kiwi
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 8. Grow your financial well-being
- National first-time home buyer programs
- Cards with primary coverage
- Monitor your prices and adjust accordingly
- Enrolling in Medicare
- Why you can trust NerdWallet
- 13. Purchase protections
- 14. Professional organizing
- Best insurance company for accident forgiveness: Geico
- Examples of other Synchrony co-branded cards:
- 6. OfferUp
- How to get umbrella insurance
- 7. State Farm® Premier Cash Rewards Visa Signature® Card
- How much money can you make on YouTube?
- How to track your Georgia state tax refund
- Credit freeze or credit lock?
- How much should a small-business budget be?
- How do I get rid of an SR-22 in California?
- Other program partners
- Empower Personal Dashboard, for tracking wealth and spending
- 8. Get a refund
- 8. Fewer questions
- Home shopping tips
- Who can get a business credit card with no personal guarantee?
- As a last resort, contact your member of Congress
- How much is auto insurance based on your driving record?
- 4. Earn badges through Live videos
- 5. Enter a debt management plan
- Radisson
- August
- User experience
- Currency exchange: Frequently asked questions
- Business loan interest tax deductions: Special cases
- Why did Signature Bank fail?
- Bonds
- Are cryptocurrencies financial securities, like stocks?
- 6. The valuable extra benefits
- ❌ Costs
- Why a financial advisor's fee structure matters
- Capital One
- When is the SAVE plan available?
- How do I find my public and private keys?
- 9. Choose a real estate agent carefully
- 14. Customer service without the wait
- Cheapest auto insurance for poor credit
- 15. Photography
- Are I bonds low risk?
- Is a Synchrony credit card right for you?
- The synthetic long
- LLC tax forms and deadlines
- Tax-efficient strategies
- How much is my 2023 standard deduction?
- What is the difference between SR-22 and SR-1P?
- Get credit for the bills you pay
- 4. Decide where to buy your index funds
- Be flexible with destination, airport and dates
- 4. Set a budget for your stock market investment
- 8. Get the proper equipment
- Step 8: Get business insurance
- Your life situation
- 9. Shared home improvement equipment
- Why not both?
- Why are personal guarantees on business credit cards necessary?
- Get credit for the bills you pay
- Important considerations when opening a Roth IRA
- Home equity line of credit
- Print-on-demand services
- 5. Your loan is cleared to close
- The bottom line
- Wyndham
- Nonresident status rules
- Cheapest auto insurance in Florida for 20-year-olds after a DUI
- 7. Self-publish an e-book
- Drawbacks
- Reviews
- Where is the best place to exchange currency?
- If you refinance your original business loan
- Corporate bonds
- Final thoughts on the different United economy fare classes
- Vanguard 500 Index Fund (VFIAX)
- Who can access your frozen credit reports?
- Additional checked baggage fees
- 6. MoneyLion: Best for existing customers
- Medigap plan types
- 9. Estate planning: Protect your financial well-being
- American Express add-on coverage
- Medicare enrollment periods
- 9. You can list more colleges
- Compare top-rated life insurance companies
- 9. Maximize trade-in value, if applicable
- How to get a passport in 24 hours
- How much is auto insurance after an at-fault accident?
- Bottom line: Is umbrella insurance worth it?
- Dividend payout ratio
- Gap Good Rewards Mastercard® Credit Card
- 2 things to know about Georgia state tax
- Choose the best Alaska credit card offer for you
- Mutual funds
- Best for those who pack expensive equipment: Travel Insured International
- The difference between interest rate and APY
- Elite benefits on partner flights
- 8. Design your bar
- SAVE benefits available by October 2023
- Dealing with last-minute flight cancelations
- 10. Narrow down your ideal type of house and neighborhood
- Drawbacks to business cards with no personal guarantee
- More about the card
- Compare insurance rates by driver history
- 16. Event space
- Next steps
- Bottom line
- After deciding
- How do I find a currency exchange near me?
- Is getting a HELOC a good idea?
- 4. Fixed-income and dividend-yielding investments
- Vanguard Total Stock Market Index Fund (VTSAX)
- 8. Emirates Lounge (TBIT)
- Car insurance rates for drivers with good or poor credit by state
- Mortgage insurance
- ❌ No loyalty program
- What is the normal fee for a financial advisor?
- Should you buy I bonds?
- 5. Build a community
- 7. Poshmark
- Best life insurance company for permanent life insurance: Pacific Life
- September
- 8. Upgrade Triple Cash Rewards Visa®
- Why are California gas prices so high?
- Points or loan origination fees
- Earn an audience, and earn more in the long run
- What’s happening with Silvergate Capital Corp.?
- 7. The wait
- Silver benefits on partner flights
- Cost to start a CrossFit box
- Upcoming Sapphire Reserve lounges, recapped
- SAVE benefit starting in February 2024
- Cash-out refinance
- 17. Interior decorating
- Cheapest for 30-year-old drivers
- Where can you exchange currency for free?
- Are dividends taxed?
- Pros
- Vanguard Total Bond Market Index Fund (VBTLX)
- Exchange-traded funds
- 5. Buy index funds
- How to build your credit and get cheaper insurance
- Types of financial planning help
- It pays to know
- 10. Vacation rentals
- How to enroll in Medicare
- 10. Sibling discount removed
- 10. Make the purchase
- U.S. Bank Cash+® Visa Signature® Card
- 8. Get advertising revenue from your blog or YouTube channel
- LLC tax tips for business owners
- 5. Credit card
- 2023 vs. 2024 standard deduction
- What happened to Credit Suisse?
- Practice good credit habits
- Pros and cons of cryptocurrency
- The bottom line
- 6. BookWithMatrix
- Payment methods accepted at Costco
- 9. Develop your marketing strategies
- SAVE benefits available by July 2024
- Find the best life insurance policy for you
- Practice good credit habits
- 18. Woodworking or furniture building
- Our pick for: Customizable bonus categories
- What is credit card consolidation?
- California state tax credits
- Drawbacks
- Best insurance company for having few customer complaints: American Family
- Next steps
- Cons
- Vanguard Balanced Index Fund (VBIAX)
- Types of FIRE
- CREDIT CARD RENTAL BENEFITS CAN TAKE YOU FARTHER
- 7. SoLo Funds: Best for peer-to-peer cash advances
- 3. Building a budget
- 5. Focus on investing for the long-term
- 9. Open a business bank account
- Related articles
- Compare car insurance rates for drivers with a DUI
- Best insurance company for having few customer complaints: American Family
- Cheapest full coverage car insurance in Florida for 30-year-olds
- So, is interest on a business loan tax-deductible? Mostly
- 4. Money market funds
- Other ways to make money
- 9. American Airlines Admirals Club (Terminal 4)
- Cryptocurrency pros
- If you're considering applying for a Southwest credit card
- Complete financial plan and investment advice
- Gold, Navigator benefits on partner flights
- More from NerdWallet
- Rent
- If you want to book monthly Airbnb rentals
- 11. Electronics repair
- Personal loan
- October
- Vanguard Growth Index Fund (VIGAX)
- When to claim the standard deduction
- 6. Keep an eye on your index funds
- Types of FHA loans
- How the FDIC calculates national rates
- PocketGuard, for a simplified budgeting snapshot
- Other changes to income-driven repayment in the works
- 11. Stick to your budget
- 19. Graphic design
- Wholesaling
- How does credit card consolidation work?
- California earned income tax credit (CalEITC)
- Other cards with unique features
- Lean FIRE
- Investing
- Refer a friend
- Equipment
- 10. Pick a reliable POS system
- Can you keep your doctor on Medicare?
- Understanding life insurance quotes
- Cheapest car insurance for young drivers
- How to buy I bonds
- Best life insurance company for customer satisfaction: State Farm
- Does the president control gas prices?
- Is it better to get a home equity loan or line of credit?
- Vanguard Small Cap Index Fund (VSMAX)
- Are other banks are in trouble?
- Cryptocurrency cons
- Home purchase: Basic Home Mortgage 203(b)
- Best for adventurous travelers: World Nomads
- Specialized guidance and/or want to meet with an advisor face-to-face
- The bottom line
- 20. Clothing boutique
- California young child tax credit (YCTC)
- 9. Become an Instagram influencer
- 6. Manage your stock portfolio
- 10. Market your laundromat
- What to know before shopping for car insurance quotes.
- Employees
- How to compare life insurance quotes
- 1. Pick which types of I bonds you want to buy
- Average car insurance costs after a speeding ticket
- Cheapest minimum coverage car insurance in Florida for 30-year-olds
- MyLowe’s Rewards Credit Card
- Vanguard Total International Stock Index Fund (VTIAX)
- Fat FIRE
- How to prepare now for a potential accident in a rental car
- Check your credit scores and reports
- 8. Klover: Best for no-fee advances
- FHA refinance loans
- 4. Saving money
- Transfer American Express Membership Rewards
- Check your credit scores and reports
- 21. Bed and breakfast
- California child and dependent care tax credit
- November
- 5. Mutual funds
- Should I take my money out of the bank?
- Other LAX lounges
- Portfolio management only
- Insurance
- 12. Academics courses
- What Medicare doesn't cover
- 12. Make the most of walk-throughs and open houses
- Life insurance quotes vs. rates
- Is consolidating credit card debt a good idea?
- How does the Israel-Hamas war affect gas prices?
- What to do if you can’t keep up with your HELOC payments
- Above all, don’t panic
- OK, what's next?
- Barista FIRE
- Cryptocurrency legal and tax issues
- 22. Food truck
- Direct sourcing
- Bank of America® Premium Rewards® credit card
- California adoption cost tax credit
- 6. Mobile via IRS2Go
- Transfer Marriott Bonvoy points
- Final thoughts on the best flight booking site
- How much are car insurance quotes?
- The bottom line
- 2. Decide how much you want to invest in I bonds
- Our pick for: Bank of America® customers
- 10. Monetize your Twitch channel
- Best insurance company for financial strength: Auto-Owners
- FHA renovation loans
- Why is financial planning important?
- Best stocks for beginners
- The bottom line
- Cheapest auto insurance for senior drivers
- Best insurance company for financial strength: Auto-Owners
- Can I still use my credit card after debt consolidation?
- California nonrefundable renters tax credit
- Cheapest auto insurance in Florida for 30-year-olds with poor credit
- Limitations of FIRE
- Are we in a recession?
- Get airport lounge access through credit cards
- 13. Language courses
- Home purchasing tips
- 23. Restaurant or cafe
- Average car insurance costs after a DUI
- Best life insurance company for older applicants: AARP
- 6. Index funds
- Mortgages
- Other ways to save on car insurance if you have poor credit
- Other specialty FHA loans
- Stay with Airbnb
- Medicare vs. Medicaid
- 13. Don’t skip the home inspections
- 3. Figure out how long to keep your I bonds
- December
- Your decision: Is cryptocurrency a good investment?
- Pros and cons of loan apps
- Best for medical coverage: Travelex Insurance Services
- Honeydue, for budgeting with a partner
- 24. Craft brewery
- FHA loan limits
- How to track your California state refund
- Best LAX lounges, recapped
- Which factors determine car insurance quotes?
- Compare auto insurance rates for drivers with poor credit
- Private labeling or white labeling
- Cheapest auto insurance in Florida for 30-year-olds with one speeding ticket
- 11. Sell your photography
- Next steps
- Other ways to pay your taxes
- Are we headed for a depression?
- Pros
- Book travel extras
- The bottom line on investing in stocks
- 14. Business or marketing courses
- 14. Negotiate with the seller
- Cheapest car insurance by state
- 25. Ice cream shop
- Where can I find out more?
- Bilt World Elite Mastercard® Credit Card
- Best term life insurance companies of April 2024
- TJX Rewards® Platinum Mastercard®
- 7. Same-day wire transfer
- 26. Personal chef
- Our pick for: Paying rent
- How to apply for an FHA loan
- California state sales tax
- Best insurance company for discounts: Amica
- Cons
- 15. Personal wellness
- 15. Buy adequate home insurance
- 27. Landscape services
- Best insurance company for discounts: Amica
- Best whole life insurance companies of April 2024
- Cheapest auto insurance in Florida for 30-year-olds with one at-fault crash
- Book Delta Vacations
- How much is auto insurance for good and poor credit?
- How to make money from home
- Budgeting resources from NerdWallet
- 28. Pet grooming
- 7. Exchange-traded funds
- Best no medical exam life insurance companies of April 2024
- 5 things to know about California state tax
- 12. Become a dog walker with Rover or Wag
- Pros and cons of FHA loans
- Best if you have travel credit card coverage: Seven Corners
- 5. Maximizing your credit cards
- How to get cheap car insurance
- 29. Florist
- Making items yourself
- Are cash advance apps payday lenders?
- 16. Courses in hobbies or interests
- Average annual car insurance costs for drivers with good vs. poor credit
- Cheapest auto insurance in Florida for 30-year-olds after a DUI
- Benefits of FHA loans
- Book a cruise
- How to choose the best life insurance company
- 8. Check, money order or cashier’s check
- Personal loans
- 30. Massage therapist
- Other notable options
- Disadvantages of FHA loans
- Use the Bags on Time guarantee
- Methodology to identify the best budget apps
- 1. Look at customer satisfaction scores
- 13. Sell unused gift cards
- 8. Stocks
- Costco Anywhere Visa® Card by Citi
- Are apps like DailyPay and Payactiv cash advance apps?
- 17. Bookkeeping and accounting
- Risks of getting cheap auto insurance
- Cheapest for 40-year-old drivers
- Individual stocks
- 2. Consider financial strength
- 31. Nutritionist
- Best insurance company for customer satisfaction: State Farm
- Ways to get the best FHA mortgage rates
- Enroll in SkyMiles Dining
- Best insurance company for customer satisfaction: State Farm
- Major issuers and their policies on instant credit access
- 3. Evaluate the policy options
- Cheapest full coverage car insurance in Florida for 40-year-olds
- Alternatives to cash advance apps
- Best for long-term travelers: IMG
- 6. Borrowing money
- How to get the cheapest car insurance quote possible
- 18. Consulting
- Compare insurance rates for drivers with an accident
- 32. Personal trainer or fitness instructor
- How much is auto insurance based on age?
- 14. List your spare bedroom on Airbnb
- Dividend stocks
- 4. Get prices from a handful of companies
- Student loans
- 33. Beauty services
- How much is auto insurance for young drivers?
- 9. Cash
- Shop through Delta
- Cheapest minimum coverage car insurance in Florida for 40-year-olds
- 34. Life coach
- More about top-rated life insurance companies
- 19. IT support
- How to make money offline
- Verizon Visa® Card
- Best insurance company for military members: USAA
- Ride with Lyft
- Best insurance company for military members: USAA
- 15. Sell your gently used clothes
- 9. Alternative investments
- 35. Tutor
- Cheapest auto insurance in Florida for 40-year-olds with poor credit
- Rent with Turo
- 20. Graphic design
- Best for travelers with unpredictable work demands: Tin Leg
- 36. Daycare provider
- Taxes
- Average annual car insurance costs for young drivers by company
- Cash advance app star rating methodology
- Order from Starbucks
- 37. Senior care provider
- Cheapest auto insurance in Florida for 40-year-olds with one speeding ticket
- 16. Trade in old phones, electronics for cash
- 10. Cryptocurrency
- 10. IRS payment plan or installment agreement
- 21. Social media management
- Travel rewards
- 38. Interpreter or translator
- Full list of the best car insurance companies
- Buy tickets through Ticketmaster
- Full list of the best car insurance companies
- EXCELLENT GENERAL-PURPOSE CARDS FOR SHOPPING
- How to compare car insurance rates
- 39. Housecleaning
- How much is auto insurance based on gender?
- Chase Freedom Flex℠
- Best for booking travel with points and miles: TravelSafe
- Cheapest auto insurance in Florida for 40-year-olds with one at-fault crash
- 17. Get a babysitting gig
- Combine miles with another SkyMiles member
- 22. Marketing copywriter
- Best car insurance companies by state
- 11. Real estate
- 40. Automotive repair
- Best car insurance companies by state
- 7. Your credit score
- Purchase miles
- 1. Gather your information
- 23. Virtual assistant services
- 41. Handyman services
- Cheapest auto insurance in Florida for 40-year-olds after a DUI
- 18. Rent out your car
- How to earn Delta SkyMiles recapped
- 42. Dry cleaners
- How much is auto insurance based on vehicle type?
- How to start a profitable business
- How to find the best car insurance
- How to choose the best investments in 2024
- Best for group travel insurance: HTH Insurance
- 2. Choose the right liability car insurance coverage levels
- 43. Hardware store
- How to find the best car insurance
- Cheapest for 50-year-old drivers
- Discover it® Cash Back
- 1. Do your research
- 44. Self-storage business
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- 2. Get organized and make it official
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- 3. Decide if you need full coverage car insurance
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- 9. Paying off debt
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Cancel For Any Reason
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- Cheapest for 60-year-old drivers
- 25. Put your drone to work
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- Cheapest full coverage car insurance in Florida for 60-year-olds
- What does travel insurance cover?
- Watch out for making money scams
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- What’s not covered?
- 10. Insurance
- Cheapest auto insurance in Florida for 60-year-olds with poor credit
- How much does it cost?
- Cheapest auto insurance in Florida for 60-year-olds with one speeding ticket
- Cheapest auto insurance in Florida for 60-year-olds with one at-fault crash
- Do I need travel insurance?
- Cheapest auto insurance in Florida for 60-year-olds after a DUI
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- 11. Investing
- Cheapest for 70-year-old drivers
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- Methodology
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- 12. Starting or running a business
- Cheapest auto insurance in Florida for 70-year-olds with one at-fault crash
- 13. Travel
- Cheapest auto insurance in Florida for 70-year-olds after a DUI
- How to get cheap car insurance in Florida
- Learn more about personal finance
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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
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$368.47
2024
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Feb
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Payment date | Principal | Interest | Monthly payment | Principal balance |
---|---|---|---|---|
Apr 2024 | $301.80 | $66.67 | $368.47 | $15,698.20 |
May 2024 | $303.06 | $65.41 | $368.47 | $15,395.14 |
Jun 2024 | $304.32 | $64.15 | $368.47 | $15,090.82 |
Jul 2024 | $305.59 | $62.88 | $368.47 | $14,785.23 |
Aug 2024 | $306.86 | $61.61 | $368.47 | $14,478.36 |
Sep 2024 | $308.14 | $60.33 | $368.47 | $14,170.22 |
Oct 2024 | $309.43 | $59.04 | $368.47 | $13,860.79 |
Nov 2024 | $310.72 | $57.75 | $368.47 | $13,550.08 |
Dec 2024 | $312.01 | $56.46 | $368.47 | $13,238.07 |
Jan 2025 | $313.31 | $55.16 | $368.47 | $12,924.76 |
Feb 2025 | $314.62 | $53.85 | $368.47 | $12,610.14 |
Mar 2025 | $315.93 | $52.54 | $368.47 | $12,294.22 |
Apr 2025 | $317.24 | $51.23 | $368.47 | $11,976.97 |
May 2025 | $318.56 | $49.90 | $368.47 | $11,658.41 |
Jun 2025 | $319.89 | $48.58 | $368.47 | $11,338.52 |
Jul 2025 | $321.22 | $47.24 | $368.47 | $11,017.29 |
Aug 2025 | $322.56 | $45.91 | $368.47 | $10,694.73 |
Sep 2025 | $323.91 | $44.56 | $368.47 | $10,370.82 |
Oct 2025 | $325.26 | $43.21 | $368.47 | $10,045.56 |
Nov 2025 | $326.61 | $41.86 | $368.47 | $9,718.95 |
Dec 2025 | $327.97 | $40.50 | $368.47 | $9,390.98 |
Jan 2026 | $329.34 | $39.13 | $368.47 | $9,061.64 |
Feb 2026 | $330.71 | $37.76 | $368.47 | $8,730.93 |
Mar 2026 | $332.09 | $36.38 | $368.47 | $8,398.84 |
Apr 2026 | $333.47 | $35.00 | $368.47 | $8,065.36 |
May 2026 | $334.86 | $33.61 | $368.47 | $7,730.50 |
Jun 2026 | $336.26 | $32.21 | $368.47 | $7,394.24 |
Jul 2026 | $337.66 | $30.81 | $368.47 | $7,056.58 |
Aug 2026 | $339.07 | $29.40 | $368.47 | $6,717.52 |
Sep 2026 | $340.48 | $27.99 | $368.47 | $6,377.04 |
Oct 2026 | $341.90 | $26.57 | $368.47 | $6,035.14 |
Nov 2026 | $343.32 | $25.15 | $368.47 | $5,691.82 |
Dec 2026 | $344.75 | $23.72 | $368.47 | $5,347.07 |
Jan 2027 | $346.19 | $22.28 | $368.47 | $5,000.88 |
Feb 2027 | $347.63 | $20.84 | $368.47 | $4,653.24 |
Mar 2027 | $349.08 | $19.39 | $368.47 | $4,304.16 |
Apr 2027 | $350.53 | $17.93 | $368.47 | $3,953.63 |
May 2027 | $352.00 | $16.47 | $368.47 | $3,601.63 |
Jun 2027 | $353.46 | $15.01 | $368.47 | $3,248.17 |
Jul 2027 | $354.93 | $13.53 | $368.47 | $2,893.24 |
Aug 2027 | $356.41 | $12.06 | $368.47 | $2,536.82 |
Sep 2027 | $357.90 | $10.57 | $368.47 | $2,178.93 |
Oct 2027 | $359.39 | $9.08 | $368.47 | $1,819.54 |
Nov 2027 | $360.89 | $7.58 | $368.47 | $1,458.65 |
Dec 2027 | $362.39 | $6.08 | $368.47 | $1,096.26 |
Jan 2028 | $363.90 | $4.57 | $368.47 | $732.36 |
Feb 2028 | $365.42 | $3.05 | $368.47 | $366.94 |
Mar 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.