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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- 1. Get help with utility bills and groceries
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- January
- 1. Set your budget
- Create a budget plan that works for you
- What is the Flex Modification program?
- When is a construction loan used?
- How to use the mutual fund calculator
- Step 1: Check your credit
- What is zero-based budgeting?
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- Calculate your closing costs
- 1. Strengthen your financial profile
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- What is an REO property?
- CD early withdrawal penalty calculator
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- When does checking my credit score lower it?
- How to use the business line of credit calculator
- The case for getting boosted ahead of travel
- What is an auto loan co-signer?
- What qualifies you to be a tax-exempt individual?
- Average retirement savings balance by age
- When can you retire?
- What is a tax extension?
- How to start selling on Poshmark
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- 1. Create a Shopify store
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- Uncovering your financial beliefs
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- 1. There are two Merrick Bank credit cards
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- 1. Clean up your credit
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- Retirement plans changed for some over past year
- 1. It offers deferred interest
- For the bedroom
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- Refer a friend to Marriott Bonvoy
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- Wells Fargo Active Cash® Card
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- Where to find free protection
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- What is a business credit score?
- Mint vs. NerdWallet at a glance
- Table of Contents
- In this article
- Transaction types
- 1. Understand asset allocation
- Factors to consider
- What is mortgage pre-qualification?
- Does Florida have a state income tax?
- Banks that offer joint business accounts
- The self-employment tax rate for 2023
- Plaid: The basics
- What minimum credit score is needed to buy a car?
- 7 high-dividend ETFs
- Rolling over your 401(k): The options
- Summary of cash advance apps
- How loan-to-value affects your car loan
- What is the 50/30/20 rule?
- Bonus tax rate
- Content marketing tools
- 2. Find money for child care
- Compare car insurance rates by age
- Do you need a passport for a Bahamas cruise?
- Wise is best for:
- The market outlook for home buyers
- The average stock market return isn't always average
- ASPCA: Best pet insurance for broad coverage
- When to save vs. invest
- An overview
- Understanding your required coverages
- How to lower your credit utilization
- Ending the ‘continuous enrollment provision’
- 1. Take inventory of your finances
- 1. T.J. Maxx loyalists can rake in rewards ...
- What are the benefits of crowdfunding?
- What is a life insurance policy?
- Wire transfer fees by financial institution
- Where Farmers stands out
- Why the Chase Sapphire Preferred® Card is better for most people
- Why mortgage rates change every day
- How much are closing costs?
- Credit cards with no balance transfer fees
- Types of USDA loans
- Nationwide life insurance
- How is PMI calculated?
- What can you do during Medicare open enrollment?
- How will the Student Aid Index be calculated?
- Free tax filing options in 2024
- How actual cash value works
- 22 popular tax deductions and tax breaks
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- 1. Mortgage interest deduction
- Cheap car insurance
- 1. The card works in tandem with other M1 accounts
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- Safe, FDIC-insured and government-backed options
- How to fill out a W-4
- 1. Use your FSA
- When to use an insurance broker
- When is the 2024 tax extension deadline?
- What LifeLock does and what it costs
- 1. Not everyone can apply for the cards
- Construction loan types
- When a personal loan is best
- Lottery tax calculator
- Gather key information about your current loan
- 1. You’ll earn bonus rewards on more than just Nissan purchases
- Where Nationwide stands out
- Best-performing REIT mutual funds: April 2024
- Google Sheets budget templates
- How the home sale tax exemption works
- 20 high-dividend stocks
- Calculator assumptions
- Which airlines allow unaccompanied minors to fly?
- Do you need to put 20% down on a house?
- ESPP lookback feature
- How to order foreign currency from your bank
- 529 plan benefits
- New York state income tax rates
- How tax rules have changed
- How to calculate your home equity
- The wrong time to ask for a credit limit increase
- Check your number online
- Why have an auto loan co-signer?
- Wise pros
- Median retirement savings balance by age
- 5 steps for retirement planning
- Note Poshmark’s seller fees
- What is the cheapest car insurance in California?
- How many Instagram followers do you need to make money?
- Start your family budget with estimates
- United MileagePlus Miles value over time
- Chase Sapphire Preferred® Card
- Best car insurance in California overall: Travelers
- Bluebird by American Express
- Savings bond calculator
- Fetch Rewards
- How to get an apartment with little or no credit
- Married filing separately: Standard deduction
- How tax-deductible donations work
- The best homeowners insurance companies of 2024
- Best day to fly
- Standard benefits
- 2. You may need an offer by mail to apply
- Freezing your Experian credit report online
- What does JetBlue travel protection cover?
- When to open a CD
- BEST STORE CARDS
- 9 steps in financial planning
- Best AI ETFs by one-year performance
- 2. Consider your tolerance for risk
- How much is PMI?
- Will Florida tax my investment gains?
- What does personal property insurance cover?
- What happened to gas prices in March?
- The self-employment tax rate for 2024
- Best affordable homeowners insurance in Utah: Travelers
- How credit scores affect auto loans
- Ease of earning hotel points
- State minimum wages in 2024
- 1. Brigit: Best for budgeting tools
- Virginia Housing first-time home buyer programs
- Holiday weekends
- Marriott points calculator
- Grace period
- SMS marketing tools
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- How LLCs pay income taxes
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- Takeaways From 'How to Get Rich'
- 2. You don’t want to feel tied down
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- February
- 2. Shop for a loan
- Zero-based budgeting example
- How to calculate a factor rate
- How do Vanguard index funds work?
- How to manually calculate how much life insurance you need
- Information you need to freeze your credit
- Best-performing REIT ETFs: April 2024
- Where Farmers falls short
- Personalized versus average interest rates
- American Express Membership Rewards: The basics
- Pricing transparency
- Why agent commissions matter
- How to pick a digital wallet
- How to find bank-owned properties
- Nationwide life insurance policies
- At what age can you fly alone?
- Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
- Airlines that service DFW
- How the annual gift tax exclusion works
- Taxes and Medicare premiums can change after a death
- Are auto loan interest rates rising?
- Consolidation vs. refinancing
- 7 best stocks to buy now, according to analysts
- Winner: Hilton
- Best credit union personal loans for 2024
- Unauthorized activity is detected
- How are bonuses taxed?
- 2. There's no annual fee, technically
- How to calculate adjusted gross income
- How are stocks taxed?
- 3. Recover unclaimed money
- Wise cons
- Should you hire a real estate attorney?
- How tax extensions work
- What are the limits on Medicare acupuncture coverage?
- How food prices have changed over time
- Am I eligible for the Flex Modification program?
- Learn more
- 2. Set up a dropshipping business
- Step 2: Pre-qualify and compare offers
- Credit age matters, but other factors matter more
- Tools you can use
- 2. Account frozen? Submit documentation
- ‘Procedural terminations’
- How do lottery taxes work?
- Current car loan information you will need
- What’s behind the pre-qualification calculation?
- Where Nationwide falls short
- How are business credit scores calculated?
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- Simple interest calculation examples
- How do you calculate closing costs on a house?
- Airlines that don't have lie-flat seats in business class on wide-body aircraft
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- Sign-up bonus
- Florida corporate income tax
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- 2. Depreciation deduction
- Types of itemized deductions
- How to use the Capital One Venture X Rewards Credit Card travel credit
- Many plan to leave full-time work before traditional retirement age
- 5-year, 10-year, 20-year and 30-year S&P 500 returns
- Are Cardless credit cards good?
- How to make more money on Poshmark
- How to pick a good savings account
- 2. Annual fees may vary by consumer
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- How do United miles compare with other airlines?
- Why look for flight payment plans with no credit checks?
- How the standard deduction works
- World benefits
- Other alternatives to Mint
- 3. Get ready to pay some fees
- Fees you can challenge
- Optional service: PNC Overdraft Coverage
- Investing for income: Dividend stocks vs. dividend funds
- Investing terms, simplified
- Key features of IRAs vs 401(k)s
- Short resignation letter example
- ESPP eligibility and limits
- Average annual PMI premium
- 1. IRS Free File
- Which flights and passengers qualify?
- Reflect on recent money experiences, too
- How do I find the best 529 plans?
- How to calculate self-employment tax
- How Plaid works
- Why your age (and dependency status) matters for eligibility
- Calculating net worth: What are assets and liabilities?
- What to look for in a personal finance tool
- Does raising the minimum wage cause inflation?
- Use a credit utilization calculator
- Website analytics tools
- Why checking your credit is smart
- What you need for a Bahamas cruise
- For the kitchen
- 3. Homeownership requires more ongoing work
- July 2021 new credits and benefits on The Platinum Card® from American Express
- Recent changes to food costs
- Reasons revenge travel may not last
- 2. Non-Nissan redemption is relatively unprofitable
- What are the different types of crowdfunding?
- Buying a call option
- How Chase checking account fees compare
- What is identity theft?
- NerdWallet’s budget planner
- 2. Make a larger down payment
- Types of tax transcripts
- Qualifying for a USDA-guaranteed mortgage
- How to buy a bank-owned home
- Minimum down payment requirements
- Types of AI ETFs
- PMI calculator help
- What can’t you do during Medicare open enrollment?
- Baggage fees
- 2. Rebalance your debts and income
- How is the Student Aid Index used?
- How to use average car interest rates
- Consolidating private student loans
- Why your tax basis matters
- Earnings basics
- Dividend vs. growth stocks
- How much is condo insurance in your city?
- How do Marriott Bonvoy points compare to other hotel programs?
- What are the pros and cons of car loan co-signers?
- Wise transfer methods and options
- 2. You won't want to carry a balance
- 2. Spend any unused commuter benefits
- What Medicare Supplement plan is most popular?
- Does Medicare Advantage cover acupuncture?
- How we chose the cheapest companies in California
- Use a budget planner
- 3. Monetize your social media presence
- 3. Ask your bank for relief
- Are Vanguard index funds a good investment?
- Different levels of coverage
- Married filing separately rules
- 2. ... But it's not ideal for everyday purchases
- State availability
- World Elite benefits
- How do REITs work?
- Who qualifies for the home sales tax exclusion?
- What isn't covered by JetBlue flight insurance?
- Overall cost
- When to consider bonds
- Are digital wallets safe?
- Use a different card if you’re only going to earn 1% back
- Steps to making a buy now, pay later return
- Priority boarding
- International roaming: prepaid
- What is mortgage preapproval?
- What’s covered by Chase Freedom rental car insurance
- Qualified vs. non-qualified ESPP plans
- Why are gas prices going up?
- About home equity loans
- 4. Get down payment assistance for a home
- Understand the COVID-related documentation you’ll need
- How brokers are paid
- March
- 3. Determine other ownership costs
- Be ok with baby steps
- Prepare to pay back your refund
- Episode transcript
- Best California auto insurance for your budget: Auto Club of SoCal
- 2. Build a money management blueprint
- Full Review
- Who might prefer the Capital One Venture Rewards Credit Card
- How your credit score affects your rate
- How to be a smart customer
- Nationwide life insurance rates
- Important dates
- What’s the Florida state sales tax?
- Conduct a body check-in
- Who has to pay self-employment tax?
- What is a FICO Auto Score?
- How to find the best stocks to buy now
- Do all workers earn at least the minimum wage?
- All year
- The worst they can say is no. Shouldn’t I try?
- 3. M1 Plus members earn extra cash back at select merchants
- Average daily balance
- CRM tools
- Is a business line of credit right for me?
- Some plan to skip retirement, by choice or otherwise
- 3. Get checkups, refill prescriptions
- Retirement savings by age
- 4. You’re not convinced it’s a good investment
- What is a hardship loan?
- Decide what type of account you want: checking vs. savings
- 5 ways to make money on Instagram
- Most expensive time to go to Disneyland
- When is the best time to use United miles?
- Coupons.com
- 4 more ways to estimate how much life insurance you need
- How to buy a life insurance policy
- Do personal credit scores affect business credit scores?
- What’s the difference between simple interest and compound interest?
- 4. Neither card offers perks
- Best car insurance companies: Our winners
- Optional service: PNC Overdraft Protection
- Tip about banks vs. credit unions
- Child travel policies by airline
- How to buy AI ETFs
- DFW airport terminals
- Other good ways to pay abroad
- Planning can help reduce the penalty
- 529 plans by state
- How to invest in dividend ETFs
- 2. Empower: Best for fast cash
- How are dividends paid out?
- How a car loan LTV can surpass 100%
- 3. Property tax deduction
- Best car insurance companies: Our winners
- Best for member satisfaction: AARP/UnitedHealthcare Medicare Part D
- Other tips for spending your travel credit
- 3. Cardholders enjoy a longer return period and exclusive offers
- How to file a tax extension
- Is LifeLock worth the price?
- California income tax deadlines and extensions
- 3. Rewards aren't competitive
- Will food prices go down in 2024?
- How do I apply for a Flex Modification?
- 4. Sell print-on-demand products
- How to start a zero-based budget
- Then get a baseline of your expenses
- 4. Monitor bank transactions online
- How to convert a factor rate
- Making a flight payment plan with no credit check
- When a home equity loan is best
- I bonds calculator
- Do I have to pay state tax on lottery winnings?
- What’s the difference between pre-qualification and preapproval?
- What kind of Mastercard is my card?
- REITs' average return
- 3. Consider paying points
- Card readers and apps
- Investing through retirement and brokerage accounts
- Best for member satisfaction: State Farm Medicare Supplement Insurance
- IRA vs. 401(k): A road map
- 3. Use mutual funds for the base of your portfolio
- Free checked bag
- Best homeowners insurance in Utah for coverage: Openly
- Do you include a 401(k) in a net worth calculation?
- What are the credit score ranges?
- Average condo insurance cost by coverage amount
- Are bonuses taxed differently?
- Is per-card or overall utilization more important?
- Where to find your AGI on your 1040
- How to check your credit score without hurting it
- For non-U.S. citizens
- What is an auto loan co-borrower?
- What to expect the stock market to return
- For the bathroom, etc.
- What a good credit score can get you
- Medicare Supplement Insurance plan comparison chart
- A mammoth task for states
- Serve American Express Prepaid Debit Account
- How much does it cost to buy Vanguard index fund shares?
- Standard deduction 2023
- Input new refinanced car loan information
- Advantages of filing separately vs. jointly
- Nationwide home insurance coverage
- How to unfreeze your credit
- Frequently asked questions about Chase checking accounts
- Farmers home insurance coverage
- 7 types of identity theft and the warning signs
- The Federal Trade Commission’s budget worksheet
- When you should lock your mortgage rate
- Startup business grants from private companies and nonprofits
- What's available during Medicare open enrollment?
- Who can open a joint business account
- Delta's checked baggage fees
- Find your own calming techniques
- Where to rent an RV
- Savings account simple interest vs. compound interest
- Other factors can help you buy a car with bad credit
- How do streaming services fit into your budget?
- Digital marketing tools
- Request your passport number from the State Department
- Not everyone has started saving for retirement
- 4. Investigate vacation, sick leave
- How much will a real estate attorney cost?
- When to invest vs. save
- How to get a hardship loan
- Cheap car insurance in California by age
- 4. Find the right car for you
- Exceptions to state minimum car insurance requirements
- Refer a friend to a Marriott credit card
- Capital One Venture Rewards Credit Card
- How to reduce your risk
- Freezing your Experian credit report via postal mail
- How much are American Express Membership Rewards points worth?
- Airlines that offer lie-flat seats on smaller aircraft
- Nationwide customer complaints and satisfaction
- 20% rebate on eligible in-flight purchases
- 3. Don’t ask for too much cash
- Gift tax limit 2024
- Where Plaid is used: Examples
- Actual cash value vs. replacement cost coverage
- New York state supplemental income tax
- What you need to submit the FAFSA
- How are dividends taxed?
- 5. Find tax credits for health insurance
- The bottom line
- Why have an auto loan co-borrower?
- What is a tax exemption?
- 5. Sell handmade goods
- 5. Know the bank’s timeline
- Treasury bond and note calculator
- 3. The card’s special financing offer comes with limitations
- Which life insurance policy is right for me?
- How to prepare for dealer fees
- Which card should you get?
- When to estimate closing costs
- JetBlue insurance cost
- Point-of-sale hardware
- Qualifying for a Single Family Housing Direct Home Loan
- CD early withdrawal penalties at banks and credit unions
- Immediate resignation letter example
- When to consult with an advisor
- Local sales taxes in Florida
- Kids need an ID when flying internationally
- How to pay self-employment tax
- How to reduce your gains
- About home equity lines of credit
- Net worth calculator
- An alternative to chasing the best stocks
- Redeeming award nights
- 6 types of dividends
- The challenges after buying a high-LTV car
- How much should you spend on a mattress?
- 4. Deduction for repairs
- What's next?
- Your card has a hold placed on it
- Protect your vacation budget with travel insurance
- 4. Home Depot offers a separate card for bigger projects
- Choose a Medicare Supplement Insurance company
- April
- The bottom line
- How to ensure continued coverage
- 3. There's an upfront incentive, but it won't fund a shopping spree
- What is a good business credit score?
- Types of REITs
- Pet insurance coverage at a glance
- Take advantage of perks and protections
- More about the card
- What state has the highest gas prices?
- Prepaid 529 plans by state
- How much interest will I earn on $10,000?
- Earn extra bonus points
- Average condo insurance cost by company
- 4. A paid M1 Plus membership unlocks more perks
- Social media marketing tools
- The significance of adjusted gross income
- 6. Apply for college grants
- The difference between tax exemptions, tax deductions and tax credits
- 5. Sign up for health insurance
- Other ways to avoid headaches
- Do I have to pay California state tax?
- Cheapest for 20-year-old drivers
- Why is food so expensive?
- Streamlined Flex Modifications
- What does a construction loan cover?
- 6. Sell digital products and downloads
- The pros and cons of zero-based budgeting
- Can United miles be used on other airlines?
- Why revenge travel could stick around
- Bank of America® Customized Cash Rewards credit card
- Best car insurance in California for customer complaints: Amica
- Standard deduction 2024 (taxes filed 2025)
- 5. There are no other Merrick Bank credit cards to graduate to
- Farmers home insurance rates
- Today’s rates for specific kinds of mortgages
- 4. Take advantage of first-time home buyer programs
- Compare at a glance
- PNC’s $5 safety buffer
- More about Nationwide life insurance
- How many banks have collapsed?
- How to apply for a joint business bank account
- Address your debt
- How to consolidate private student loans
- Other tech tools to help you manage your money
- The importance of a direct 401(k) rollover
- Cruising versus flying
- Consumer takeaways
- Finding a real estate attorney
- Find a bank that suits your needs
- Optional coverages
- RetailMeNot
- Should I take a lump sum payment or annuity payments?
- Reviewing the results
- Does pre-qualification affect your credit score?
- Domestic vs. international fees
- More ways to take charge of your budget
- Integrations with accounting software
- Does Florida have property tax?
- Gift tax limit 2023
- 2. Free tax software
- Tax deductions for self-employment
- The bottom line
- What states are increasing minimum wages in 2024?
- Mattress-buying tips
- Get more help with monthly budget planning
- Additional Medicare Part D companies
- When do you have to pay taxes on stocks?
- W-4 form 2024
- 5. Loyalty doesn't always pay off
- What affects your credit score?
- Embrace: Best pet insurance for many ways to save
- Other hardship loan options
- 5. Contact the seller or visit a dealership
- Step 3: Choose your lender and loan
- Hotels on points in Boston
- Now move on to the budgeting
- 6. Rebounding from bank account fraud
- How lenders determine your factor rate
- Reasons to get a personal loan vs. home equity loan
- 4. You won't be able to finance a Nissan with the credit card
- 4. You may get first dibs on merchandise ...
- Additional functionality
- How to make an appointment at a passport agency
- Getting information about an Experian credit freeze by phone
- What does pet insurance cover?
- CDs vs. Treasurys vs. savings bonds
- How to invest in dividend stocks
- Next steps
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Pre-qualification vs. preapproval
- How to make a rental car insurance claim
- What isn’t covered by personal property insurance?
- Small, but a nice gesture
- RVshare: the biggest (and usually best) peer-to-peer RV rental company of them all
- Best homeowners insurance in Utah for consumer experience: American Family and Nationwide
- Elite status
- 3. EarnIn: Best for large advances
- Your card status has changed
- How has the Marriott points value changed over time?
- 5. Investing through M1 is automated
- Interest rate
- How does credit utilization affect my credit score?
- The bottom line
- 6. Research your 401(k) fees
- When to enroll in Medicare Supplement Insurance
- 4. You can qualify for one of the Ollo cards with fair credit
- How do construction loans work?
- 7. Sell thrifted or vintage goods
- Flight payment plans with no credit check recapped
- Treasury bills calculator
- What do closing costs include?
- Deposit timing
- 4. Consider a co-signer
- Forgive yourself for past mistakes
- Compare your net worth
- What to know about loan-to-value when refinancing
- Design tools
- May
- ONE VIP Visa Prepaid Card
- Moving forward
- Additional costs for international wires
- How do I get a copy of my actual tax return?
- Overdraft policies for PNC Virtual Wallet
- 4. Know when to leave it to the pros
- Get pre-qualified or preapproved?
- What state has the lowest gas prices?
- How the lifetime gift tax exclusion works
- When are New York state income taxes due?
- Managing expectations
- LLC payroll taxes
- Watch out for scams
- What are the pros and cons of car loan co-borrowers?
- How tax extensions work if you owe taxes
- What is California's standard deduction?
- What to expect when you open your new account
- 8. Help other business owners set up online stores
- Best California car insurance for ease of use: State Farm
- Standard deduction for those 65 or older
- How to increase your pre-qualification amount
- 5. It offers a decent sign-up bonus (if you can get it)
- Buying a call option vs. owning the stock
- How much life insurance should I buy?
- What are fleet cards?
- 5. Shop around with multiple lenders
- Contract periods
- How to find business class lie-flat seats on domestic flights
- How to redeem rewards on the Costco Anywhere Visa® Card by Citi
- How to save money every month
- How you could lose FAFSA eligibility
- What does a condo insurance rate include?
- How did we determine the value of Marriott Bonvoy points?
- What is your modified adjusted gross income (MAGI)?
- How to find the 2024 W-4
- When you need a passport for a cruise
- How to get a good credit score
- How to pick a good brokerage account
- How do I deal with lottery taxes?
- 5. ... But you won't want to carry a balance
- Food and beverage
- How to freeze your child’s credit
- Discounts
- Once you request your Experian credit freeze
- Is JetBlue travel protection worth it?
- Benefits of a larger down payment
- Best Medicare Advantage plans
- When are Florida taxes due?
- Do I have to pay New York state income tax?
- Can you stack rewards?
- Pros and cons of a 401(k) rollover into an IRA
- Credit union personal loan rates
- Minimum wage increases
- 5. Other expenses
- Advantages of itemized deductions
- Strategies for keeping your credit utilization low
- Direct mail marketing tools
- What is net investment income tax?
- What's next?
- 7. Learn your vesting schedules
- Insurance broker vs. independent agent
- 6. Inspect and test-drive the car, if applicable
- No impact on forgiveness under IDR, PSLF
- How did we determine the value of United miles?
- Bank of America® Premium Rewards® credit card
- Other ways to cut wire-transfer costs
- No-closing-cost mortgages
- Customer support
- Cards to consider despite their balance transfer fee
- Are there other ways to get tax records?
- Ways to get the best USDA mortgage rates
- How to build your credit before car shopping
- What factors impact your credit scores?
- There are typos or everyday mistakes
- Another benefit of having an auto loan co-signer or co-borrower
- Ready to get started?
- What part of my income gets taxed by California?
- If you want to make the most of Marriott’s refer-a-friend promos
- Step 4: Gather loan documents
- Upside
- Getting the most from your pre-qualification limit
- Tips to find cheap flights any day of the week
- How do fleet cards work?
- 6. Consider alternative types of mortgages
- Resignation due to health issues letter example
- Why did First Republic Bank fail?
- Extra personal property coverage for valuable items
- Travel ID requirements for kids recapped
- What is the median household income in the U.S.?
- How previously incarcerated people can strengthen their loan application
- How tax extensions work if you're due a refund
- 5. Watch out for the APR
- Close your old account, if needed
- How are food prices tracked?
- 9. Develop a Shopify app or theme
- Try a worksheet or app
- Other financing options
- How do you buy Vanguard Index fund shares?
- Ways to build your credit
- Claiming tax-deductible donations on your tax return
- Benefits for all Chase checking accounts
- U.S. passport agency locations
- How much should you put down on a house?
- Best for extra benefits: Anthem Medicare Supplement Insurance
- Is Florida a low-tax state?
- 5. Use collateral to secure the loan
- How to get financing to open a laundromat
- Federal student loan consolidation
- 4. Varo: Best for existing bank customers
- Days in the cycle
- Project management tools
- How to look up passport numbers recapped
- Do I have to update my W-4 every year?
- June
- Full list of the top auto insurance companies in California
- Consumer complaints
- Primary vs. secondary coverage
- 2024 lifetime gift tax exemption
- You don’t need to have $10,000 to take advantage of compound interest
- How your car loan can help you build better credit
- How to reduce your condo insurance cost
- Disadvantages of itemized deductions
- How to minimize the tax impact of a bonus
- How to pay lower taxes when selling stocks
- How to make the most of The Platinum Card® from American Express
- How to get a construction loan
- Are Roth IRAs safe?
- Nationwide home insurance rates
- When should you freeze your credit?
- How important is it to pay no balance transfer fee?
- How to confirm if a flight has business class lie-flat seats
- 3 investing myths
- Seat selection
- How are gas prices determined?
- What is New York state's standard deduction?
- Disadvantages of franchising for the franchisee
- LLC self-employment taxes
- How many tax extensions can you file?
- Am I a resident for California state tax purposes?
- 7. Determine which warranties are right for you
- 10. Become a Shopify Affiliate
- See if zero-based budgeting is right for you
- Married filing separately: Bottom line
- Tips for calculating how much life insurance you need
- How much do life insurance policies cost?
- Cheaper ways to send money
- Consumer experience
- Calculating capital gains tax on a home sale
- 3. Volunteer Income Tax Assistance (VITA)
- Full list of the best homeowners insurance in Utah
- How to get a loan from a credit union
- Who would benefit from a Cardless credit card?
- How to get a refund if the IDR account adjustment forgives your debt
- FamZoo Prepaid Card
- Standard deduction for dependents
- How long does it take to get pre-qualified for a mortgage?
- Seller-paid closing costs
- Why did Silicon Valley Bank fail?
- How to earn more interest in a savings account
- The bottom line
- How to evaluate dividends
- How to adjust your Form W-4
- Other ways to buy insurance
- How much does a tax extension cost?
- Tips for making money on Shopify
- Alternatives to Roth IRAs
- Why do I need a business credit score?
- Other considerations to determine your down payment
- 6. Find the right lender
- What's next?
- What is the average and median retirement savings?
- July
- The bottom line
- Keep budgeting and communicating
- What are the best Vanguard index funds?
- Ibotta
- Term vs. whole life insurance tool
- Cons of a credit freeze
- Who pays the gift tax?
- Am I a resident for New York state income tax purposes?
- LLC sales taxes
- Tax extensions for overseas taxpayers and military members
- Step 5: Submit your application and get funded
- U.S. Bank Cash+® Visa Signature® Card
- Charitable contributions 2023
- Discounts
- Selling a call option
- Can you get a passport in one day?
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- 5. Dave: Best for repayment flexibility
- Factors that don’t affect your credit scores
- Next Steps
- 8. Negotiate the best price
- U.S. Bank Altitude® Connect Visa Signature® Card
- When can't you take the standard deduction?
- Keys to crowdfunding success
- How do I get my business credit score?
- Another Chase checking account perk: the Chase Disney debit card
- Fleet fuel cards: benefits and drawbacks
- Farmers vs. competitors
- What are the best dividend stocks?
- Do you pay taxes when you receive a gift?
- How much does homeowners insurance cost in Utah?
- Credit union vs. online lender
- Advantages of the standard deduction
- Your readiness to buy a home
- Types of gas
- How to consolidate federal loans
- Other closed-loop cruises
- Credit freeze or credit lock?
- Will you owe capital gains taxes on your home sale?
- How much money can you make on YouTube?
- Final thoughts on Hyatt vs. Hilton
- How to improve your credit
- What is the highest credit score, and how many people have it?
- What happens after you file a tax extension?
- Figo: Best pet insurance for cats
- August
- As a last resort, contact your member of Congress
- If you're looking to book business class lie-flat seats
- Why did Signature Bank fail?
- How much personal property insurance do you need?
- Is the gift tax deductible?
- LLC tax forms and deadlines
- Greenlight Prepaid Mastercard
- How much is my 2023 standard deduction?
- 3. Make the most of your savings
- Alternatives to crowdfunding
- Consumer complaints
- How Chase premium checking accounts compare
- Cards that earn American Express Membership Rewards points
- Important considerations when opening a Roth IRA
- The bottom line
- 9. Maximize trade-in value, if applicable
- Dosh
- Who can access your frozen credit reports?
- Compare top-rated life insurance companies
- Pros of investing in REIT stocks
- How to avoid capital gains tax on home sales
- What does pet insurance not cover?
- Medigap plan types
- If you’re considering booking a rental car with your Chase Freedom credit card
- How much is the gift tax rate?
- Average cost of homeowners insurance in Utah by city
- 6. MoneyLion: Best for existing customers
- How do you file a state tax extension?
- Consumer experience
- How to get a passport in 24 hours
- Other fees
- Compare insurance rates by driver history
- If you want to cruise to the Bahamas
- After deciding
- Fuel card vs. business gas credit card
- 11 ways to prevent identity theft
- 4. GetYourRefund.org
- Next steps
- How can I check and monitor my credit?
- September
- Baggage and other perks
- Additional benefits for premium Chase checking accounts
- Cons of investing in REIT stocks
- What’s happening with Silvergate Capital Corp.?
- Why are California gas prices so high?
- Earn an audience, and earn more in the long run
- Are dividends taxed?
- 10. Make the purchase
- AmEx Centurion Lounge locations
- Types of financial planning help
- Our lists of the best options
- The cheapest home insurance in Utah
- Standard deduction vs. itemized deductions
- LLC tax tips for business owners
- The Platinum Card® from American Express
- 2023 vs. 2024 standard deduction
- Find the best life insurance policy for you
- The bottom line
- What happened to Credit Suisse?
- How to make a personal property claim
- Common gift tax return triggers
- Next steps
- Which states have tax deadline extensions?
- California state tax credits
- What is credit card consolidation?
- Nationwide vs. competitors
- Investing in REITs: How to get started
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Taxes on bonuses: The bottom line
- W-4 calculator
- Walmart MoneyCard
- Receipt Hog
- Why call options can make sense
- Is a Chase checking account the right choice?
- Small-business incubator programs
- Other ways to make money
- October
- When to claim the standard deduction
- How taxes on real estate, rental, and investment sales work
- What to know about Utah homeowners insurance
- Advantages of franchising for the franchisor
- How does credit card consolidation work?
- Understanding life insurance quotes
- Does your business need a fleet fuel card?
- Comparison of unaccompanied minor fees by airline
- DFW airport transportation
- Cheapest for 30-year-old drivers
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Final thoughts on Centurion Lounge access
- Are other banks are in trouble?
- Does the president control gas prices?
- What else to know about Form W-4
- Worth it for the long-haul
- Is there an over-55 home sale exemption?
- The bottom line
- 5. Tax Counseling for the Elderly (TCE)
- 8. Klover: Best for no-fee advances
- November
- Should I take my money out of the bank?
- What are tax deductions?
- NYC income tax rates
- OK, what's next?
- Is consolidating credit card debt a good idea?
- Rakuten
- Pet insurance coverage by company
- Alternatives to startup business grants
- How does the Israel-Hamas war affect gas prices?
- Final thoughts on the best flight booking site
- Bundles — are they worth it?
- The bottom line
- Why is financial planning important?
- First-time home buyer programs near Virginia
- If you travel to Boston with points and miles
- Branded cruise line credit cards
- Can I still use my credit card after debt consolidation?
- How does pet insurance work?
- Are we in a recession?
- MetLife: Best pet insurance for dogs
- Low-fee alternatives to prepaid cards
- National first-time home buyer programs
- December
- Cruise America: consider it the big box store of RV rentals
- Pros and cons of loan apps
- Other cash-back apps to consider
- 6. MilTax
- How to track your California state refund
- 4. Be persistent
- Shopkick
- Are we headed for a depression?
- Cheapest car insurance by state
- Prime Visa
- What are tax write-offs?
- 6 things to know about New York state income tax
- Utah insurance department
- CoinOut
- Disadvantages of franchising for the franchisor
- Other hardship assistance
- California state sales tax
- Swagbucks
- The bottom line
- Prepaid-like options from fintechs: Apple Cash and Cash App
- How to make money from home
- 7. Direct File
- How do you claim tax deductions?
- Looking for more insurance in Utah?
- Credit cards do cash back too
- 10 ways identity theft happens
- 5 things to know about California state tax
- Airport hotels at DFW
- How to get cheap car insurance
- Hardship financing to avoid
- Other home insurance companies to consider
- Are cash advance apps payday lenders?
- How we picked the apps
- Airport security at DFW
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Best prepaid debit cards: Summary of fees and ATMs
- Nationwide: Best pet insurance for exotic pets
- Target Circle™ Credit Card
- What are prepaid debit cards?
- Who can get pet insurance?
- The final word
- Alternatives to cash advance apps
- Other ways to earn American Express Membership Rewards points
- Customs at DFW
- Outdoorsy: a hit and miss RV, peer-to-peer rental platform
- Cheapest for 40-year-old drivers
- Do you need pet insurance?
- Prepaid debit cards vs. regular debit cards
- DFW airport guide recapped
- How to make money offline
- The fine print
- Frequently asked questions about prepaid cards
- What does pet insurance cost?
- Capital One® Walmart Rewards™ Mastercard®
- How to get pet insurance
- Cash advance app star rating methodology
- Comparing cruise prices across websites
- Pets Best: Best pet insurance for flexible plans
- Full list of the best car insurance companies
- Full list of the best car insurance companies
- EXCELLENT GENERAL-PURPOSE CARDS FOR SHOPPING
- How to compare car insurance rates
- Mitigate cancellation policy risks with travel insurance
- Best car insurance companies by state
- Best car insurance companies by state
- PlayStation Visa Credit Card
- How to report identity theft
- Travel cards with cruise benefits
- How much does it cost to rent an RV?
- How to start a profitable business
- How to find the best car insurance
- How to find the best car insurance
- The best of the rest
- Booking a cruise recapped
- What happens when you report identity theft?
- Do you need insurance for an RV rental?
- Cheapest for 50-year-old drivers
- How to find the best home insurance policy in five common scenarios
- Spot: Best pet insurance for straightforward waiting periods
- What is the best identity theft protection service?
- Best Buy credit cards
- Should I consider buying an RV vs. renting one?
- If you want to maximize The Platinum Card® from American Express
- Xbox Mastercard
- The bottom line
- How to choose an insurance company
- How much is pet insurance?
- How to compare homeowners insurance
- How to find the best dog insurance
- Watch out for making money scams
- Cheapest for 60-year-old drivers
- How to find the best cat insurance
- Find the best homeowners insurance in your state
- How we ranked the best homeowners insurance companies
- How to compare pet insurance companies
- Cheapest for 70-year-old drivers
- How we ranked the best pet insurance companies
- Cheapest car insurance for military families
- How to get cheap car insurance in California
- Minimum auto insurance requirements in California
- Alternative car insurance in California
- How AAA car insurance works in California
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.