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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- » This offer has expired
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- About Chubb home insurance
- 1. Go to a museum, aquarium or zoo
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- How Roth IRAs work
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- Best for:
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- How much should you spend on rent? It depends
- 1. Talk to each other
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- 1. Tweak your W-4
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- January
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- Frugal food tips
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- How much money you actually save with an off-airport car rental
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- 1. Set your budget
- 1. Sell spare electronics
- Auto insurance
- Best day to book a flight
- How does the program work?
- Minimum wage over time
- What is short selling?
- Create a budget plan that works for you
- What is a virtual assistant?
- 1. Consider an IRA
- An overview of Marriott elite night credits
- How to find a small business for sale
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- How to calculate your car lease payment
- How it works
- Best small cities to spend your retirement savings
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- Where to buy bonds
- What to do before applying for a mortgage
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- How to manage your money
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- 1. Non-retirement goals
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- What is a foreign transaction fee?
- What does SSSS mean on a boarding pass?
- Indicators that it's time to expand your business
- How the Hilton Honors daily food and beverage credit works
- 1. What does American Express trip cancellation insurance cover?
- 1. Strengthen your financial profile
- Control what you can
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- 5 Ways to get started in real estate investing
- Our tips
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- How the programs differ
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- 1. Credit score and credit history
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- Best ways to consolidate credit card debt
- How to spot origination fees
- 'I knew I would need people'
- Types of wage garnishment and how it happens
- 1. Get an Individual Taxpayer Identification Number
- How to find a business partner online in 9 steps
- How a balance transfer could hurt your credit score
- 17 passive income ideas
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- 8 tips for finding a tax preparer or tax professional near you
- How to earn ANA Mileage Club miles
- Read your mail
- How to compare FHA vs. conventional loans
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- Late winter and early spring
- What is a state income tax?
- Review return policies in advance
- 1. It’s an unsecured card for credit building …
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- How to budget money
- The best investments for beginners
- Average savings account rate: 0.47%
- Shop in the right place
- 6 things to do if your rental car is involved in accident
- Key terms in this article
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- Student loan forgiveness plans
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- What makes a business high risk?
- When does the Delta SkyMiles® Gold American Express Card provide coverage?
- How pay yourself first budgeting works
- On the day you’re pulled over
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- The best money-making apps
- Summary of cash advance apps
- 1. You're way over — or under — the allowed mileage
- What is IRS Direct File?
- Netflix subscription cost
- What are estimated tax payments?
- What does it mean to invest in the S&P 500?
- Average inflation rate
- Mint vs. NerdWallet at a glance
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- Transaction types
- Brokered vs. bank CD: 2 big differences
- Best SCRA credit card benefits for active duty military
- Lottery tax calculator
- Wells Fargo Active Cash® Card
- At a glance
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- How Self — formerly Self Lender — works
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- Robinhood at a glance
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- 2. Sell your gift cards
- Pathways for credit card debt settlement
- What is the standard deduction?
- How to find your EIN
- How to start a trucking company in 5 steps
- What is a dividend aristocrat?
- In this article
- When should I shred the paper check from a mobile deposit?
- Itemized deductions, definition
- Start by checking your home equity
- The best life insurance for seniors in March 2024
- Top 10 spot Bitcoin ETFs by fee
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- Advantages of business bank loans
- 1. Don’t assume any one company is the cheapest
- What is the child tax credit?
- 2. Read a book
- 1. Contact your old employer about your old 401(k)
- Defining CDs: The 'time deposit' account
- AmEx card ‘families’
- What the lawsuits are about
- What to know about airport lounge access via your credit card
- Mortgage rates may slow (but not stop) sellers
- Mutual of Omaha Medicare Supplement Insurance pros and cons
- In short: 3 revenue sources
- What to know about Chase’s Q4 2023 bonus categories
- Start with your student loan servicer
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- 1. Rewards rates are impressive, if your spending lines up
- 2. Learn more about your 401(k)
- Know your credit score
- Costco membership price
- Create a business plan
- Many borrowers say forbearance improved their financial situation
- What is the best streaming service?
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- How are dividends taxed?
- How to lower your credit utilization
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- Why you need a savings account
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- What is Breeze Airways’ cancellation policy?
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- What does a financial consultant do?
- Banking
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- How to pay your mortgage with a credit card
- How is PMI calculated?
- How many elite night credits do I need to earn status?
- When will the IRS issue a tax levy?
- What does this value mean?
- 1. Affirm
- How to use the pre-qualification calculator
- Are these the best stocks to buy now?
- Financing options for small businesses
- 1. Take inventory of your finances
- 2. Update your beneficiaries
- Best-performing marijuana ETFs
- Strategies to expand your business
- 1. Expect discounts and rewards at BP and Amoco locations …
- YNAB, for hands-on zero-based budgeting
- Best car insurance in Florida overall: Travelers
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- What to look for
- Why do I need a company overview?
- When to choose the American Express® Gold Card
- NerdWallet's car insurance estimator
- Where Travelers stands out
- How to save for retirement in three steps
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- 3. Pawn something
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- Best day to fly
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- How to apply for low-income internet
- What is required to be approved for a HELOC or home equity loan?
- How we ranked the top life insurers
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- Work out how much of your income should go to rent with the 50/30/20 rule
- Where Chubb stands out
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- 3. Catch a movie
- How much should you tip an Uber driver?
- Comprehensive vs. collision insurance
- Why do travelers get SSSS?
- Where Erie stands out
- Are robo-advisors worth it?
- Get a handle on your insurance
- Plan your meals
- 1. Brigit: Best for budgeting tools
- Refinance to a longer term
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- How do tax credits work?
- What is the dividend tax rate?
- How to calculate the inflation rate
- Fees and taxes
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- Walmart MoneyCard Cons:
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- Frugal shopping tips
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- How much should I save?
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- 2. Decide how much you want to invest
- How state income tax rates work
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- 2. Cash management accounts
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- How do I send money or pay bills through my mobile banking app?
- Join the loyalty program
- Understanding the stock market
- Liberty Mutual pet insurance plans and coverage
- What does JetBlue travel protection cover?
- If you decide to pay the speeding ticket
- How does a Roth IRA work?
- What is a mutual fund?
- What is the SALT deduction?
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- Types of startup business funding
- Some borrowers don’t make enough to afford loan payments
- General travel credit cards
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- How LLCs pay income taxes
- Pricing transparency
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- Start career planning early
- How do lottery taxes work?
- February
- Blue Cash Preferred® Card from American Express
- The 411 on 401(k) plans
- March mortgage rates forecast
- How do Vanguard index funds work?
- How much money do I need to buy a house?
- 2. Shop for a loan
- 4 steps to spot a fake check and avoid trouble
- Why short a stock?
- Holiday weekends
- Citi ThankYou® points: The basics
- How a tax levy can affect you
- Home equity loans and HELOCs vs. cash-out refinances: Understanding your options
- How to send money with Cash App
- The cheapest large car insurance company: State Farm
- How much is the 2023 child tax credit?
- Reasons to cancel
- Is it the same as a currency conversion fee?
- 1. Interest rate
- 1. Your credit card doesn’t give you access to every lounge
- AmEx Delta travel insurance benefits and limits
- Moves to make
- 3. Look into an IRA
- 2. Your car has excess wear and tear
- Where is Direct File available?
- When are estimated taxes due?
- How are business credit scores calculated?
- Investing for income: Dividend stocks vs. dividend funds
- 2. Income
- Compare cards
- Where Travelers falls short
- Another money-change option: Online currency converters
- Average net worth by age
- What’s a typical expense ratio?
- What is the 10-year treasury yield today?
- 4. Work today for fast cash today
- The measure of low income can vary
- Check the timeline
- Avianca LifeMiles calculator
- The pros and cons of a life insurance trust
- How to find the best stocks to buy now
- 2. … But it charges a flurry of fees
- 2. Don’t ignore local and regional insurers
- 3. Weigh a prenuptial agreement
- Where Chubb falls short
- Can I travel with my old passport number?
- Marijuana ETFs vs. stocks
- Don’t live in California? This could still be your future
- Where Erie falls short
- What are the benefits of Amazon Prime?
- If you pay for a credit monitoring service
- What is the difference between Costco memberships?
- How do streaming services fit into your budget?
- How does gap insurance work?
- Should I buy stocks when markets are at all-time highs?
- Other alternatives to Mint
- Example of the difference between APY and interest rate
- Overview of prepaid debit cards
- Where to look for information
- How much of your wages can be garnished?
- What other forecasters say
- How to monetize your Instagram with fewer followers
- How to find a financial consultant
- How to apply for a Self credit-builder loan
- 6 fast ways to send money in a crisis
- How the standard deduction works
- Does raising the minimum wage cause inflation?
- How much do virtual assistants make?
- Average annual PMI premium
- Types of itemized deductions
- What's the catch?
- Best life insurance for seniors in March 2024
- Adjust your expectations
- 4. Play a game inside
- How much comprehensive and collision coverage cost
- Why should you try to go after a high APY?
- Buyers would set their agents' pay
- How high-risk merchant accounts differ from regular accounts
- Be resourceful in the kitchen
- 2. You'll have no shortage of places to use those points
- How to choose the best mutual funds for you
- Apply for mortgage forbearance
- 3. Your car is worth more than its buyout price
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- Who qualifies for these SCRA benefits?
- What should I include in a company overview?
- How to estimate car insurance costs
- Issuer pre-qualification pages
- Savings accounts with strong APYs can help your money grow
- State availability
- How does Apple Music fit into your budget?
- Types of second mortgages
- If Great Lakes reported your account in error during auto forbearance
- What causes interest to capitalize on student loans?
- 2. Ensure you meet credit history qualifications
- How a balance transfer can help your credit score
- PMI calculator help
- The top 7 dividend aristocrats list
- Commit 20% to savings and debt repayment
- Why are eggs so expensive?
- What’s behind the pre-qualification calculation?
- Do the legwork yourself
- How much rent can you afford?
- Historical national rates
- 3. Ask about discounts
- 2. Find your 401(k) with your Social Security number
- How much do Uber drivers make per hour?
- Warning signs that you may have been selected for secondary screening
- Hotel breakfasts continue to evolve, and this iteration is solid
- 2. Make a larger down payment
- Most borrowers would advise others to take on less debt
- Best for buying a business owner’s policy online
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- Overall cost
- How do REITs work?
- See CD rates by bank
- Can you negotiate mortgage origination fees?
- Black Friday
- Who is a qualifying dependent?
- 'I would have lost everything'
- How investing pays off later
- Are Vanguard index funds a good investment?
- What mortgage can I afford?
- 5. Seek community loans and assistance
- Credit cards
- How to get a Fresh Start
- Where will I find participating hotels?
- 21 most-shorted stocks by short interest
- Use a budget planner
- Factors to consider when paying a mortgage with a credit card
- When are state income tax returns due?
- 3. High-yield money market accounts (MMAs)
- When is the best time to use Avianca LifeMiles?
- What should I do if my mobile banking app isn't working?
- 2. Afterpay
- What is a Bitcoin strategy ETF?
- Child tax credit 2024
- How to get your money back
- 5. Play a game outside
- What isn't covered by JetBlue flight insurance?
- State availability
- Mutual of Omaha Medicare Supplement Insurance plans
- 2. ... plus hearty rewards on food and more
- A closer look
- APY to interest rate calculator
- Mortgage selection tips
- 3. Monthly debt payments
- March
- What to do if Breeze cancels your flight
- Basic stock chart terms to know
- Where to exchange currency outside the U.S.
- Reasons why young renters prefer owning a home
- Where do I put my emergency fund?
- 3. Determine other ownership costs
- Programs that use the federal poverty level
- Do all workers earn at least the minimum wage?
- Media company strikes in 2024
- What are AI stocks?
- Marriott Bonvoy
- How to get rid of a tax levy
- An alternative to chasing the best stocks
- 2. Build a money management blueprint
- Stock trading information
- Steps to take when renewing your passport and getting a new passport number
- The risks of marijuana ETFs
- 2. Today vs. tomorrow
- Yes, you can keep your gas-powered car
- How to avoid foreign transaction fees
- Negotiations would be more complex
- Prices have fallen, but values are still up from 2020
- Long story: It's complicated
- What can you invest in with a Roth IRA?
- Episode transcript
- 2. Empower: Best for fast cash
- Estimated tax payments 2024
- Do personal credit scores affect business credit scores?
- When to consider bank CDs over brokered CDs
- Get internship and work experience
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Frugal entertainment tips
- What you can do about wage garnishment
- 5 ways to make money on Instagram
- How to calculate your net worth
- Credit-builder loans vs. secured cards
- Benefits of booking a rental car off-site (beyond savings)
- 6. Ask for forbearance on bills
- Involve your doctor
- What other benefits do members get?
- How to become a virtual assistant
- All year
- Other factors that affect what you'll pay each month
- How to receive or deposit money with Cash App
- What to watch for when you buy bonds
- 3. You can earn cash back, but with caveats
- How long will your mortgage loan last?
- 4. Check with Social Security
- Chubb home insurance coverage
- 6. Volunteer
- What happens if you don’t tip?
- How the federal funds rate influences your accounts
- 2. CD term
- 2. Which AmEx cards include trip cancellation insurance?
- Find nonprofit student loan assistance
- If you decide to fight the ticket in court
- Keep your pantry well-stocked
- Avoid credit bureaus' products
- 3. There's a solid sign-up bonus
- Apply for loan modification
- What are the income limits for IRS Direct File?
- Best for member satisfaction: State Farm Medicare Supplement Insurance
- Card readers and apps
- REITs' average return
- Do I have to pay state tax on lottery winnings?
- How a savings account works: withdrawal limits
- Travelers home insurance coverage
- More advanced stock chart terms
- Price vs. yield
- How to determine if settlement is right for you
- 3. Explore passively managed index funds
- How to earn Marriott elite night credits
- How much are Citi ThankYou® points worth?
- Cheap cell phone plans from brands owned by the big three
- How flexible are Avianca LifeMiles?
- How does a life insurance trust work?
- Top 9 Bitcoin strategy ETFs by fee
- Research items more before purchasing
- The cheapest midsize car insurance company: American National
- Try a simple budgeting plan
- Average interest checking account rate: 0.07%
- Child tax credit expansion: What the tax deal could mean for you
- What happens if you have a boarding pass with SSSS on it?
- Uninsured? Seek help
- 3. Consider paying points
- What you can do
- 4. Your friend wants to buy your leased car
- Is gap insurance worth it?
- How to invest in the S&P 500 in two steps:
- Go beyond the background check
- Factors that affect the cost of car insurance
- Retirement investment account types in a nutshell
- What to ask your credit card issuer
- What is the difference between a financial consultant and a financial advisor?
- Who can open a joint business account
- 1. High-yield savings accounts
- How much does it cost to buy Vanguard index fund shares?
- 7. Request a payroll advance
- The risks of short selling
- Starbucks Workers United and Starbucks are negotiating
- Dividend kings vs. aristocrats
- Types of state income tax
- How it can help
- 4. Work on your credit
- When your passport number changes
- 7. Visit the farmers market
- States that will tax student loan forgiveness
- Erie home insurance coverage
- Tips for finding a high-risk merchant account
- Are Roth IRAs insured?
- 4. Save for college
- Average mutual fund return
- National Debt Relief at a glance
- Goodbudget, for hands-on envelope budgeting
- How much do streaming services cost?
- How do streaming services fit into your budget?
- When to choose the Chase Sapphire Preferred® Card
- Top credit cards that offer preapproval without a hard pull
- Qualifying for a second mortgage
- Why is net worth important?
- Self offers a related secured credit card
- 4. Find the right car for you
- Understand the terminology
- Standard deduction 2023
- 4. Peer-to-peer lending
- What’s the difference between pre-qualification and preapproval?
- 3. Early withdrawal penalty
- Problems with the food and beverage credit
- 3. Reward redemptions are flexible
- Lean on your community
- Learn the rules
- Who should make estimated quarterly tax payments?
- What is a good business credit score?
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- Point-of-sale hardware
- Consider a second major, minor or certificate
- How to maximize SCRA benefits
- Chase Sapphire Preferred® Card
- Contact Nelnet customer service if you have questions about your Great Lakes loans
- What to do when you get a garnishment judgment
- How to avoid capitalized interest on student loans
- How do I build an emergency fund?
- 3. Consider cards that don't require a Social Security number
- Budget for extra fees
- Benefits of Cash App
- Look for unexpected value
- 5. Ask about a trust
- 8. Go thrift shopping
- 3. Other investment options
- How to save on comprehensive and collision insurance
- JetBlue insurance cost
- What it means for buyers and sellers this spring
- The pros and cons of paying yourself first
- What’s a spousal Roth IRA?
- What to know about National Debt Relief
- Eliminate mortgage insurance
- 5. You like the car and don't want the hassle of car shopping
- How to access IRS Direct File
- If you fly Singapore Airlines’ economy class
- Types of REITs
- 4. Assets and additional applicants
- TV-buying tips
- How do you pick between the Chase Freedom Flex℠ and the Chase Freedom Unlimited®?
- April
- Eligible child and dependent care expenses
- Frugal DIY project tips
- Where to avoid exchanging currency
- 8. Take a loan from your retirement account
- If you join RediRewards
- How to find another company's EIN
- How much should you spend on a mattress?
- 3. Apple Pay Later
- Factor in other costs
- Bull markets vs. bear markets
- What’s not covered
- Should I just use cash instead?
- Cost for Mutual of Omaha Medigap plans
- What does this mean for you?
- Know the limits of credit monitoring services
- 4. Anniversary points can be valuable
- 5. Fund your FSA
- Decide among low interest, 0% or rewards
- Get the proper licenses, permits and insurance
- How to get gap insurance
- A quick guide to popular and new tax credits for 2024
- Ways to reduce credit card interest
- How to invest in dividend stocks
- Buying a brokered CD: the details
- Bank of America® Customized Cash Rewards credit card
- OpenSky® Secured Visa® Credit Card
- How to rebook
- How to apply for a joint business bank account
- How to negotiate a credit card debt settlement yourself
- Other low-income guidelines and programs to note
- Recent strikes
- How to keep Lifeline
- How to invest in dividend aristocrats
- How did we determine the Avianca LifeMiles points value?
- Why is there an egg shortage?
- How home equity loans, HELOCs and cash-out refinances are similar
- The Bitcoin ETF price war
- Managing expectations
- 5 steps to applying for a mortgage
- 4. Beware of the sky-high interest rate
- Peace of mind
- 9. Go for a walk
- 2. You might need to register
- Hilton’s new food and beverage credit prioritizes flexibility
- Details: Chase Freedom Flex℠
- 4. Take advantage of first-time home buyer programs
- 3. EarnIn: Best for large advances
- How do you sign up for a Costco membership?
- Elite status perks
- Best online business insurance for restaurants
- Inflation example
- Integrations with accounting software
- Cheapest term life insurance companies for smokers for 2024
- How to change or cancel your Spirit reservation
- Saving for retirement as a nontraditional worker
- Skip currency exchange: Use a credit or debit card
- 'We have the same issues'
- How to increase your net worth
- Expense ratios are just one fee investors pay
- 9. Borrow against life insurance
- Document the process
- Standard deduction 2024
- What states are increasing minimum wages in 2024?
- How to use the car lease calculator's results
- Cheap cell phone plans from brands that resell network service
- Disadvantages of business bank loans
- My experience getting SSSS on my boarding pass
- 4. Opening minimum deposit
- Is a robo-advisor right for you?
- 3. Who is covered?
- Prepare for how much it costs to have a baby
- Consider your legal options
- Who can use Direct File?
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Additional functionality
- Is United’s basic economy worth it?
- Should I take a lump sum payment or annuity payments?
- How much car insurance you need
- How much to keep in your savings account
- MAGI vs. AGI: What's the difference?
- 5. Contact the seller or visit a dealership
- Is a balance transfer a good idea?
- Why is the 10-year Treasury yield important?
- Fresh Start benefits available now — without enrolling
- How to invest in AI stocks
- Mattress-buying tips
- 4. Think about how much you want to actively trade
- 5. Online savings accounts
- Types of life insurance trusts
- Consider selling or regifting instead
- 5. Skip comprehensive and collision coverage for an older car
- Discounts
- Should I file taxes now or wait for the child tax credit expansion?
- 10. Take a hike
- Do I need comprehensive and collision insurance?
- How to claim AmEx travel insurance
- 4. The APR for purchases is sky-high…
- 5. It’s related to two other Wyndham consumer cards
- Dividend tax rate 2023
- Deposit timing
- Market your skills effectively
- How do you get a second mortgage?
- How to get a refund
- Do I need financial consulting services?
- Self loan fees and penalties
- 10. Use a credit card cash advance
- Get help if you need it
- What is a short squeeze?
- Home equity loan and HELOC rates
- How home equity loans and HELOCs are different from cash-out refinances
- Does pre-qualification affect your credit score?
- 5. A checking account is required
- 3. Search unclaimed property databases
- Liberty Mutual coverage options
- What's next?
- Erie home insurance rates
- How to open a Roth IRA in 6 steps
- 6. Subsidize your dependent care FSA
- How do you pay for purchases at Costco?
- Risks of debt settlement
- May
- How to calculate your modified adjusted gross income
- How to find local and state low-income assistance programs
- Obstacles to paying a mortgage with a credit card
- Best small cities to spend your retirement savings
- Cheapest car insurance after a speeding ticket: State Farm
- Look for savings
- 11. Ride a bike
- 5. Maturity date
- If you decide to negotiate the penalty
- How much is the SALT deduction?
- LLC payroll taxes
- Best car insurance in Florida for ease of use: State Farm
- Contract periods
- Next steps: Compare and apply
- Spirit Reservation Credits
- Looking for value with less fuss? Go with the Chase Freedom Unlimited®
- Discounts
- Frugal home expenses tips
- 2. Certificates of deposit
- 11. Look for a payday alternative loan
- Tips to find cheap flights any day of the week
- Dividend aristocrats ETFs
- World of Hyatt
- FAQ comparing home equity loans, HELOCs and cash-out refinances
- Where to find financing for small businesses
- Types of mortgage loans
- Stock market crash vs. correction
- Average certificate of deposit rate: 1.81% for one-year CDs
- 6. Raise your deductible
- How quickly could the IRS implement the child tax credit expansion?
- 4. How to file a claim
- 5. Shop around with multiple lenders
- Hire the right people
- Best for emergency medical coverage: Allianz Global Assistance
- Alternatives to savings accounts
- Who counts as a qualified care provider?
- Roth IRA vs. traditional IRA
- Are 10-year Treasury notes a good investment?
- Standard deduction for those 65 or older
- Minimum wage increases
- Where to find virtual assistant jobs
- How to change or cancel an EIN
- Do spot Bitcoin ETFs have custodianship risk?
- Consumer complaints
- 4. Whether it's time for a financial advisor
- Is JetBlue travel protection worth it?
- 5. ... and so is the APR for balance transfers
- Ready, set, save
- How to calculate quarterly estimated taxes
- Dividend tax rate 2024
- How much does it cost to invest in the S&P 500?
- Customer support
- Compare at a glance: brokered vs. bank CDs
- How do I deal with lottery taxes?
- Bank of America® Premium Rewards® credit card
- Credit card and travel insurance that can get your money back
- How to complain about Great Lakes
- Comparing lenders to get a bad credit auto loan
- Key terms in this story
- 6. Inspect and test-drive the car, if applicable
- How to find AI ETFs
- Advantages of itemized deductions
- 4. Klarna
- How to increase your pre-qualification amount
- Things to consider about Cash App
- 12. Sleep in the woods
- Restrictions and waiting periods
- Avoid the student loan scammers
- 7. Rock your HSA
- 4. Varo: Best for existing bank customers
- Is a Costco membership worth it?
- Which insurance companies sell gap coverage?
- What else you need to know
- Which card is right for you?
- Why some cars cost more to insure
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- When to skip the downtown rental
- 12. Get a personal loan
- What is the median household income in the U.S.?
- What is naked short selling, and why is it illegal?
- 5. Learn about dollar-cost averaging
- 2023 state income tax rates and brackets
- 6. High-yield checking accounts
- 7. Consider usage-based or pay-per-mile insurance
- Consumer experience
- Requirements: Who qualifies for the child tax credit?
- How can you reduce SSSS markings in the future?
- What are online planning services?
- 3. The lounge you visit might not be the swankiest
- What if the card benefits aren’t enough?
- 6. Consider alternative types of mortgages
- EveryDollar, for simple zero-based budgeting
- Best for extra benefits: Anthem Medicare Supplement Insurance
- Family travel considerations
- What is hyperinflation?
- Consumer complaints
- How do you buy Vanguard Index fund shares?
- How to redeem ANA Mileage Club miles
- Things to consider
- Travel and shopping protections
- 13. Gaze at the stars
- What to do with an old 401(k)
- Other possible outcomes
- Find small business funding
- How to report dividend income on your taxes
- June
- Exchange frequently? Consider a multicurrency account
- 3. Bonds
- How do you buy 10-year Treasury notes?
- Ex-dividend dates
- Who should get a home equity loan
- Getting the most from your pre-qualification limit
- Cheapest car insurance after an accident: State Farm
- Mutual fund fees
- Best online business insurance for contractors
- How to protect against inflation
- Full list of the best car insurance in Florida
- Tips for writing a company overview
- Are Roth IRAs safe?
- Additional child and dependent care credit requirements
- Consumer experience
- If wage garnishment is a financial burden
- How to find a cheap airport rental car
- 13. Rent out a room
- Should you pay your mortgage with a credit card?
- Disadvantages of itemized deductions
- What do the approvals mean for Bitcoin?
- The importance of diversification
- 14. Listen to music
- Liberty Mutual pet insurance rates
- How much does it cost to expand a business?
- 8. See if you’re eligible for the earned income tax credit (EITC)
- National Debt Relief vs. other options
- LLC self-employment taxes
- Cheapest final expense companies for 2024
- Breeze Airway cancellations recapped
- How to settle a dispute with Great Lakes
- Alternatives to paying more for a bad-credit auto loan
- 7. Determine which warranties are right for you
- What's next?
- Lodge a student loan complaint
- Choose between cash-back and travel rewards
- Find and manage supplies
- How much does gap insurance cost?
- How much does Direct File cost?
- How to control your dividend tax bill
- Why do I need a business credit score?
- Willing to spend time to maximize rewards? Go with the Chase Freedom Flex℠
- Do you pay tax on T-notes?
- Fresh Start benefits available later — after enrolling
- Who should get a HELOC
- 8. Check insurance costs when buying a car
- The bottom line
- Additional child tax credit
- 15. Make some music
- Delta SkyMiles® Gold American Express Card travel insurance, recapped
- Alternatives to Roth IRAs
- How to save on car insurance
- Where to find the best savings accounts
- The best place to exchange currency at the end of your trip
- Is it worth going to a tax preparer?
- Standard deduction for dependents
- The bottom line on short selling
- Could we be in an AI bubble?
- What's next?
- How to switch plans and keep your number
- 5. PayPal
- If you want to fly for free ...
- Sharing a Prime membership Using Amazon Household
- What taxes aren’t covered by the SALT deduction?
- 5. Dave: Best for repayment flexibility
- Next Steps
- Why you can trust NerdWallet
- Are these the best dividend stocks?
- July
- Upgrade Cash Rewards Visa®
- What are the best Vanguard index funds?
- 14. Moonlight as a dog sitter
- Interest-based passive income ideas
- If you're choosing between business travel hotels
- Which type of life insurance should I put in a trust?
- How long does it take to get pre-qualified for a mortgage?
- Frequently asked questions about Cash App
- Average money market account rate: 0.67%
- Other home insurance companies to consider
- 16. Make something
- Bottom line
- How to prepare if you're affected
- Trip cancellation insurance from AmEx recapped
- What’s the difference between IRS Free File and IRS Direct File?
- How to estimate taxes for an income tax extension
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- LLC sales taxes
- How do I get my business credit score?
- Steps to getting a refund from Spirit
- U.S. Bank Cash+® Visa Signature® Card
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Citi Custom Cash® Card
- Travelers vs. competitors
- Potential strikes ahead
- The complete list of dividend aristocrats
- Found the perfect small business for sale? Here are the next steps
- Mutual of Omaha member complaints
- 9. Give it away
- Can you lose money in mutual funds?
- Why is it called the SALT tax?
- How to fund a startup
- Choose a POS system
- Where to exchange currency: Frequently asked questions
- 8. Negotiate the best price
- 15. Become a rideshare or delivery driver
- 2024 state income tax rates and brackets
- Cheapest car insurance after a DUI: Progressive
- 17. Learn a new skill
- 4. Unlimited guests? Maybe not
- Alternatives to gap insurance
- Business travel considerations
- Cards with primary coverage
- When can't you take the standard deduction?
- If you’re collecting Marriott elite night credits
- Advantages of the standard deduction
- Why investing is important
- Discounts
- The bottom line
- Mutual funds: The bottom line
- Build your dream cafe
- Empower Personal Dashboard, for tracking wealth and spending
- Home shopping tips
- A closer look at these companies
- How to claim the child and dependent tax credit
- Calculating MAGI: Example
- Basic stock chart patterns
- 16. Cut your insurance premiums
- What's the difference between a CPA and a tax preparer?
- How much money can you make on YouTube?
- How to claim the child tax credit in 2024
- 18. Exercise
- Is Amazon Prime worth it?
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Other ways to get your money back
- August
- Figuring out how much you need to save
- 4. Build your credit, with or without a Social Security number
- Striking worker totals increased by 141% in 2023
- What do the approvals mean for other crypto investments?
- State availability
- The bottom line
- Other home insurance companies to consider
- 6. MoneyLion: Best for existing customers
- How to pay estimated taxes
- Best online marketplace for managing multiple policies
- LLC tax forms and deadlines
- Pros of investing in REIT stocks
- Why not both?
- 6. Sezzle
- 3. Make the most of your savings
- 19. Have a potluck
- Mutual of Omaha’s spending on care
- 10. Keep a file of your medical expenses
- The bottom line
- Medigap plan types
- Final thoughts on the different United economy fare classes
- Discover it® Secured Credit Card
- Important considerations when opening a Roth IRA
- American Express add-on coverage
- 9. Maximize trade-in value, if applicable
- How much is my 2023 standard deduction?
- Should you invest in AI stocks?
- What is credit card consolidation?
- Resources to help millennial homebuyers
- 17. Consolidate your debt
- More reading for active investors and traders
- More about the card
- The difference between interest rate and APY
- 20. Do something productive
- After deciding
- Cons of investing in REIT stocks
- Learn about the best life insurance companies
- Bottom line: Is it worth claiming the child and dependent care tax credit?
- Best of the rest
- Cheapest auto insurance for poor credit: Geico
- Never done it before? Here's what to consider
- When to expect your child tax credit refund
- Hotel credit card availability
- Are there drawbacks to investing in the S&P 500?
- September
- Earn an audience, and earn more in the long run
- Consumer experience
- 11. Consider selling those dogs weighing down your portfolio
- Frequently asked questions about estimated tax payments
- Is consolidating credit card debt a good idea?
- Best for those who pack expensive equipment: Travel Insured International
- Capital One Venture Rewards Credit Card
- The bottom line
- It pays to know
- 10. Make the purchase
- 18. Refinance your student loans
- More resources on investing
- Invest in bonds: next steps
- What type of financing for small businesses should you use?
- 21. Host a yard sale
- 5. You can't stay forever
- 7. SoLo Funds: Best for peer-to-peer cash advances
- LLC tax tips for business owners
- Investing in REITs: How to get started
- 4. Funds
- Standard deduction vs. itemized deductions
- What you can do
- Additional benefits
- 19. Change your cell phone plan
- 2023 vs. 2024 standard deduction
- 7. Zip
- Consequences of a child tax credit error
- 22. Engage with your community
- Choose between a general or co-branded travel card
- Mission Lane Visa® Credit Card
- If you stay at a Marriott in the Caribbean
- Other ways to make money
- Credit cards that earn ThankYou points
- Other types of mortgage loans
- 12. Get the timing right
- PocketGuard, for a simplified budgeting snapshot
- How to buy business insurance online
- October
- Avoid risky loans
- How ANA elite status works
- FHA vs. conventional loans: Summary
- How the FDIC calculates national rates
- The bottom line
- Modified adjusted gross income: The bottom line
- Best websites for finding a business partner online
- Investing
- Don’t expect new defaults for awhile
- When to claim the standard deduction
- Mutual of Omaha Medicare Supplement Insurance service area
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- State child tax credits
- What's next?
- What if you're not eligible?
- 8. Klover: Best for no-fee advances
- 4 reasons to start a trucking company
- The bottom line on investing for beginners
- Other pet insurance companies to consider
- How to prepare now for a potential accident in a rental car
- If you’re choosing between Hilton Honors vs. Marriott Bonvoy
- November
- The bottom line
- Cheapest car insurance for young drivers
- What is the $500 credit for other dependents (ODC)?
- Mutual of Omaha Medigap customer service
- Best for adventurous travelers: World Nomads
- Prosper® Card
- U.S. Bank Cash+® Visa Signature® Card
- Practical matters
- The bottom line on how to read stock charts
- OK, what's next?
- How to find additional student loan help
- Compare buy now, pay later apps
- Company overview examples
- Final thoughts on the best flight booking site
- More resources
- Child tax credit vs. child and dependent care credit
- Should you use a buy now, pay later app?
- Other life insurance options for seniors
- How we review pet insurance
- What are the Roth IRA rules?
- Home purchasing tips
- Compare alternatives
- Pros and cons of loan apps
- Airline credit cards
- Mortgages
- Honeydue, for budgeting with a partner
- December
- More about buying life insurance as a senior
- Capital One QuicksilverOne Cash Rewards Credit Card
- The bottom line
- Cheapest car insurance for senior drivers
- 4. Be persistent
- Prime Visa
- Best for medical coverage: Travelex Insurance Services
- Bilt World Elite Mastercard® Credit Card
- More about top-rated life insurance companies
- Additional resources
- Budgeting resources from NerdWallet
- Capital One Platinum Credit Card
- How to make money from home
- Alternatives to buy now, pay later
- Cheapest car insurance by state
- Are cash advance apps payday lenders?
- What it's like flying ANA
- 5. Stocks
- Personal loans
- Are apps like DailyPay and Payactiv cash advance apps?
- Methodology to identify the best budget apps
- Other notable options
- AvantCard Credit Card
- Best if you have travel credit card coverage: Seven Corners
- How to get cheap car insurance
- Target REDcard™ Credit Card
- Alternatives to cash advance apps
- Major issuers and their policies on instant credit access
- If you fly ANA airlines this year
- Hotel credit cards
- Risks of getting cheap auto insurance
- Blue Cash Everyday® Card from American Express
- Student loans
- Other ways to earn ThankYou® points
- 6. Alternative investments
- Best for long-term travelers: IMG
- How to make money offline
- The fine print
- Why you can trust NerdWallet
- Credit cards for dining
- Capital One Venture Rewards Credit Card
- Cash advance app star rating methodology
- 7. Real estate
- Taxes
- Capital One® Walmart Rewards™ Mastercard®
- Other ways to save money
- Travel rewards
- Apple Card
- Best for travelers with unpredictable work demands: Tin Leg
- How to choose the best investments in 2024
- Store credit cards
- PlayStation Visa Credit Card
- Venmo Credit Card
- Best for booking travel with points and miles: TravelSafe
- Best for group travel insurance: HTH Insurance
- Options with more style than substance
- Best Buy credit cards
- Types of travel insurance
- Reasons to buy a business
- Xbox Mastercard
- The bottom line
- Watch out for making money scams
- What does travel insurance cover?
- What’s not covered?
- How much does it cost?
- Do I need travel insurance?
- How to choose the best travel insurance policy
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- Methodology
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.