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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- 4. Have some cash
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- March
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- How the IRS decides whether to accept an offer in compromise
- How to invest in the S&P 500 in two steps:
- How do I open a SEP IRA?
- The risks of short selling
- How does Hulu fit into your budget?
- Who can open a joint business account
- What to do when your credit card expires
- What do U.S. passport status updates mean?
- Sign-up bonus
- Average condo insurance cost by coverage amount
- Types of state income tax
- Best way to avoid fees: Get a checking account
- 5. Avoid foreign transaction fees
- Factors that affect the cost of car insurance
- 6. Go where there is demand
- Use the travel credit
- What are the credit score ranges?
- What is a FICO score used for?
- Pressure to overspend
- Input new refinanced car loan information
- What are the benefits of early direct deposit?
- Dividend kings vs. aristocrats
- Deciding between term and permanent life insurance
- 6. Prepare in advance for rainy-day funding
- Understanding secured credit cards
- Country Financial renters insurance coverage
- Water
- Rising costs thwart debt payoff plans
- How much does it cost to buy Vanguard index fund shares?
- 5. Housesit
- Comparing and matching prices
- Borrow for the right reasons
- Lending Bitcoin
- When do passports expire?
- Auto-Owners home insurance coverage
- How to decide whether you need an extended car warranty
- Are Roth IRAs insured?
- 3. Redemption options are plentiful, but there are caveats
- What about the new IDR plan?
- 3. Discover would remain its own brand
- Some have barriers to improving credit
- Yes, you can skip seat selection
- 5. Pick a payment plan
- So, should you lease or buy an electric car?
- W-9 form 2023: What's new
- USAA Cashback Rewards Plus American Express® Credit Card
- How to get a hardship loan
- Risks of fixed-income investments
- How do streaming services fit into your budget?
- Why is food so expensive?
- Airlines that offer lie-flat seats on smaller aircraft
- Best life insurance company overall: MassMutual
- Personal loans for rising credit card rates
- 2023 standard deduction married filing jointly
- 4. Will you raise my credit limit?
- Resist the temptation to overspend
- Goodbudget, for hands-on envelope budgeting
- Walmart
- Local sales
- Can I have a 401(k) and an IRA?
- 4. Peer-to-peer lending
- How much will a real estate attorney cost?
- 1. High-yield savings accounts
- Will this hurt my credit?
- Blue Cash Preferred® Card from American Express
- Which issuers offer credit card locks?
- How flexible are Free Spirit points?
- How to claim the sales tax deduction
- 6 types of dividends
- 5. Other pay-over-time options are available
- 5. Someone else used your credit card account
- What does Clover Health Medicare Advantage cost?
- Earned income tax credit 2024
- Don't forget to check the limits to savings withdrawals
- Ethos customer complaints
- 5. Know the bank’s timeline
- What’s not on a home insurance declarations page
- Other great card features to keep in mind
- Which life insurance policy is right for me?
- 6. Website development
- Are Treasury bills a good investment?
- More about Midland National
- How to look good no matter what score lenders use
- An alternative: Blue-chip funds
- Who pays for a home appraisal?
- How are dividends taxed?
- What to know about joining a credit union
- 7. Think about recruiting efforts
- 5. Centurion Cardmembers still get to bring guests into the Centurion lounge
- ‘Hummer tax deduction’: Which vehicles does Section 179 cover?
- Perks: Goodies for carrying the card
- 4. Your account is available immediately upon approval
- How to keep Hilton points from expiring
- Kids need an ID when flying internationally
- How to use your Delta eCredit to book a new flight
- Upgrade your cyber hygiene
- Who should make estimated quarterly tax payments?
- Saver’s credit rates for 2023
- Banks and credit unions that clear checks fast
- Take precautions and mitigate further damage
- Kirkland’s
- What's next?
- 3. Rewards can’t be saved for a big splurge
- What is the average return of the S&P 500?
- What’s a spousal Roth IRA?
- Where to avoid exchanging currency
- How many years can you file back taxes for?
- April
- Things to do
- Pros and cons of brokerage account DRIPs
- 4. Utilize an eSIM card
- 6. Understand dipping, tapping and digital wallets
- What's next?
- Clear is about to get faster
- What if you’re unhappy with your massage?
- States that have estate taxes, inheritance taxes or both:
- Next steps to determine how much financial aid you can get
- Frugal DIY project tips
- How to choose the best savings account
- Factor in other costs
- Why the Roth IRA works for many savers
- 4. Choose a business name
- How does a HELOC work?
- Some nontravelers cite inflation as a reason for staying home
- Managing expectations
- What additional sources of income did you have?
- Are there any issues with early direct deposit?
- 4. Handle your taxes now
- Should I take a lump sum payment or annuity payments?
- Qualifying surviving spouse
- Know the limits of credit monitoring services
- How to find help
- The new normal and tips for buying a car now
- What is your personal money goal?
- Home equity loan rates in 2023
- How much should you spend on a mattress?
- More about Ethos life insurance
- What if I lose the cashier's check?
- Women tend to be less confident, more anxious than men about investing
- Do I have to pay California state tax?
- How to invest in AI stocks
- How to apply for a joint business bank account
- How to get multiple passports
- What doesn’t count as income
- For Medicaid beneficiaries
- How long does passport processing take?
- Redemptions
- Average condo insurance cost by company
- Can you invest in OpenAI’s partners?
- How to invest in dividend stocks
- Is it a good idea to consolidate credit cards?
- What is Ohio’s standard deduction?
- 8. Look for sites with parking options
- The importance of a direct 401(k) rollover
- History of getting to 1.5%
- How to cancel or change your JetBlue flight
- The Bitcoin ETF price war
- How to invest in dividend aristocrats
- Will my autopay preferences get updated automatically?
- Using card lock strategically
- Why invest in clean energy ETFs
- Many in credit card debt feel stressed, worried
- Paying for purchases
- Establish credit before you're desperate
- 6. You co-signed a loan or credit card application
- CD vs. high-yield savings account: At a glance
- Set up automatic transfers to boost your savings yields
- Auto-Owners home insurance rates
- W-4 form 2024
- What you pay
- How do I invest my SEP IRA?
- What you can do
- Skip currency exchange: Use a credit or debit card
- What happens if you don't pay your back taxes?
- 7. Wedding services
- How to change or cancel your Spirit reservation
- How are HELOC payments calculated?
- How to get the most affordable personal loan
- Married filing jointly vs. separately
- 5. It’s one of several ways you can pay for medical expenses
- Redeem points for travel through Chase
- Bottom line
- 3. EarnIn: Best for large advances
- Best homeowners insurance in Wyoming for consumer experience: Amica and Nationwide
- Reviewing the results
- What happens if I exceed my 401(k) limit by mistake?
- Flag fraud attempts
- Finding a real estate attorney
- How much does term life insurance cost?
- Are my finances stable enough to refinance?
- Grant programs in Chicagoland
- Alternatives to checks
- 6. Write online reviews
- 3. Deferred interest may be an option … but it comes with potential risk
- What states are increasing minimum wages in 2024?
- How much of your fee goes to Upwork?
- Step 3: Choose your lender and loan
- Additional functionality
- You must recertify your income and family size every year
- 6. Rebounding from bank account fraud
- Other hardship loan options
- Workers fear losing hard-fought union benefits
- The long straddle
- How does a debt consolidation loan work?
- Closed School options for grants, military, private loans
- Google Pay
- Home appraisal process
- When do you have to pay taxes on stocks?
- How much car insurance you need
- How much to keep in your savings account
- The bottom line
- Watch out for capital gains taxes
- Embrace: Best for many ways to save
- Other ways to pay
- Shop
- Mortgage borrowing 101
- Clothes, vintage and crafts
- What advice would you give to someone interested in a side hustle?
- Membership Rewards cards
- 5. Online savings accounts
- Saver’s credit rates for 2024
- 5. Stay vigilant about fees
- Types of life insurance trusts
- Why is the IDR account adjustment happening?
- Get more help with monthly budget planning
- Why is the 10-year Treasury yield important?
- How to store the Bitcoin you buy
- Accepting payments or tips in Bitcoin
- How to qualify for the earned income credit
- Mattress-buying tips
- What’s the difference between the Dow Jones Industrial Average and the S&P 500?
- Get a credit-builder product or a secured loan
- What destinations aren’t served by Southwest?
- 4. The deal faces regulatory hurdles
- How to use your homeowners declarations page
- What is a short squeeze?
- Interest rate
- How long-term care insurance works
- What causes Treasury bill rates to fall?
- How can I pay off debt if I can’t get a balance transfer card?
- 6. The Centurion Black Card offers an unbelievable level of concierge service
- 5. Obtain licenses and permits
- Potential impact of multiple credit cards on your credit scores
- Some are traveling for concerts, weddings this summer
- The annual fee is not worth it if you ...
- How did we determine our Spirit Airlines points value?
- 7. You applied for a lot of credit
- Chase Freedom Flex℠
- How to open a savings account or CD
- When are New York state income taxes due?
- When does Medicare coverage for ESRD end?
- Should I do a balance transfer?
- How to open a Roth IRA in 6 steps
- 4. You can spend your way to a $250 RCI vacation credit
- Which airlines charge the most?
- May
- 8. Thrifted clothing
- Pros and cons of jumbo loans
- Do debt consolidation loans hurt your credit?
- What’s the filing deadline for my Ohio state income tax bill?
- 7. Say no to dynamic currency conversion
- Compare the best savings and money market accounts
- Best life insurance company for applicants with HIV: Guardian
- Gift tax limit 2023
- What is a good DTI ratio?
- How to qualify for Hyatt Globalist
- Does Section 179 cover real estate?
- 5. Which credit score do you use?
- Rent vs. inflation
- Look for savings
- Best insurance company for affordability: NJM
- Moving forward
- How did paying off debt improve your credit?
- How do I deal with lottery taxes?
- Rising interest rates are making it harder for many to pay off debt
- How does cryptocurrency work?
- 7. Start a blog
- 5 types of employer-sponsored retirement plans
- 4. Financing plans are available, but they come with terms
- Ways to get the best home equity loan rates
- How to send money to others
- Discounts
- How to find the 2024 W-4
- What is California's standard deduction?
- Tips to find cheap flights any day of the week
- How to find AI ETFs
- What are the advantages of filing back taxes?
- 3. Know your rights
- What is a W-9 form used for?
- How much life insurance should I buy?
- LLC payroll taxes
- Choose a fiduciary
- When issuers check your income
- Types of mortgage loans
- Buying a put option vs. short selling
- Do I pay taxes on reinvested dividends?
- 4. Refer a friend to a Southwest credit card
- Spirit Reservation Credits
- How to find business class lie-flat seats on domestic flights
- Frugal home expenses tips
- Where can you see your United travel fund balance?
- Can I open a savings account online?
- Dividend aristocrats ETFs
- What will count toward IDR forgiveness?
- Learn more
- Country Financial renters insurance rates
- State Farm home insurance rates
- Timing your shopping
- JetBlue
- How to freeze your child’s credit
- Cashier’s check vs. certified check vs. money order
- Americans perceive investing advantages, disadvantages for women
- Can you have multiple passports recapped
- 9. Custom artwork
- If you haven’t received your passport
- What does a condo insurance rate include?
- Why you may not be getting a response after an interview
- When debt consolidation isn't worth it
- State tuition recovery funds
- 5 things to know about Ohio state tax
- Alternatives to savings accounts
- What if you can’t afford to tip?
- 3 ways to avoid inheritance tax
- Pros and cons of a 401(k) rollover into an IRA
- FICO vs. VantageScore
- Step 3: Compare health plan networks
- What not to do
- How did you stay motivated during your debt-free journey?
- Calculating the value of the saver's credit
- Best for emergency medical coverage: Allianz Global Assistance
- 2. Certificates of deposit
- Do spot Bitcoin ETFs have custodianship risk?
- Whom should I contact for more help?
- Sample life insurance rates for men and women
- Fees
- 3. Get disability and life insurance
- Married filing jointly
- Are 10-year Treasury notes a good investment?
- 8. Game on Twitch
- 4. You’ll get an incentive for opening the card
- Do I have to pay New York state income tax?
- Minimum wage increases
- Passport Type P recapped
- Other things to know about IRS offers in compromise
- How much does it cost to invest in the S&P 500?
- 5. There’s an introductory 0% APR offer on balance transfers
- Income-driven repayment disadvantages
- SEP IRA vs. Roth IRA
- Do I have to pay Illinois state income tax?
- Form W-9 vs. W-4
- SBA 504 loan: Best for financing fixed business assets
- Spirit Airlines delayed flight compensation recapped
- Find the best HELOC lender for you
- 8. Research your card’s travel protections
- Compare the best CD accounts
- What do home appraisers look for?
- What is net investment income tax?
- Transfer points for more value
- What to do if you can’t open a savings account
- Target
- What about a JetBlue same-day switch?
- How to calculate quarterly estimated taxes
- 6. Reallocate your portfolio
- Citi Custom Cash® Card
- Discounts
- IRAs
- 8. You closed an old credit card
- Available Medicare Advantage plans
- What does a trademark protect?
- If you’re wondering where Southwest can take you …
- Step 4: Gather loan documents
- 5. The bigger the company, the higher the interest rates
- What is naked short selling, and why is it illegal?
- Which American Airlines flights can be changed online
- Next Steps:
- The bottom line on OpenAI
- 2023 state income tax rates and brackets
- Key takeaways of dividend reinvestment
- 5. Direct spending toward Southwest credit card bonus categories
- Why some cars cost more to insure
- What if you don’t qualify for Section 179?
- What factors impact your credit scores?
- 6. Find suppliers
- 4. Varo: Best for existing bank customers
- Travel ID requirements for kids recapped
- 6. High-yield checking accounts
- How are cryptocurrencies created?
- 9. Sell photography
- Set and stick to a repayment plan
- Day-trading Bitcoin
- How much can you borrow with a home equity loan?
- What is the median household income in the U.S.?
- Consumer complaints
- Do I have to update my W-4 every year?
- Other things to consider
- What part of my income gets taxed by California?
- Preferred Cash Rewards Visa® Signature Credit Card
- 10. Digital downloads
- PayPal
- Gift tax limit 2024
- Maximum and average DTI ratios by mortgage type
- 3 tips to control central air conditioning installation costs
- 6. When do you report account information to the credit bureaus?
- EveryDollar, for simple zero-based budgeting
- Making the call
- How do I get a FICO score?
- HELOC requirements
- Full list of the best homeowners insurance in Wyoming
- What you can do if you have credit card debt
- How do you buy Vanguard Index fund shares?
- 5. If you’re not a die-hard Best Buy shopper, you can do better
- Use a co-signer
- Other options
- How to do well on Upwork
- IDR waiver will count past payments toward forgiveness
- Exchange frequently? Consider a multicurrency account
- June
- Form W-9 vs. W-2
- Days in the cycle
- For the uninsured
- 9. Use your card to access airport lounges
- Compare the best checking accounts
- Some helpful links from the IRS
- 7. AmEx offers Centurion cardmembers exclusive perks
- American Family home insurance rates
- What are your next financial goals?
- Ex-dividend dates
- How do you buy 10-year Treasury notes?
- Discounts
- 5. You won’t want to carry a balance
- Who counts as a qualifying child for the earned income credit?
- Consumer experience
- When should you freeze your credit?
- How can I avoid cashier's check fraud?
- Questions to ask before signing up for a gym membership
- Capital loss deduction
- 11. Dropshipping
- How to reduce your condo insurance cost
- The long strangle
- Types of fixed-income investments
- Cost
- Life insurance
- 5. Pay for an international plan add-on
- How to confirm if a flight has business class lie-flat seats
- Best life insurance company for consumer experience: Northwestern Mutual
- How to pay lower taxes when selling stocks
- Disadvantages of franchising for the franchisee
- What if JetBlue cancels your flight?
- Secure 2.0 changes: Saver's match
- 3. Bonds
- What do the approvals mean for Bitcoin?
- Will parent PLUS loans qualify?
- How to book in Chase's travel portal with points or cash
- Why you might prefer the Capital One Venture X Rewards Credit Card
- 10. Pet sit
- 9. You paid off a loan
- PayPal Cashback Mastercard®
- What is New York state's standard deduction?
- United Airlines
- SIMPLE IRA vs. SEP IRA
- Could we be in an AI bubble?
- Watch out for 'upgrades'
- How much do life insurance policies cost?
- Calculating capital gains tax on a home sale
- LLC self-employment taxes
- How to track your passport status, recapped
- Best Android personal expense tracker apps
- 6. Transfer points from Chase Ultimate Rewards®
- Home inspection vs. appraisal
- How the lifetime gift tax exclusion works
- The bottom line
- Building your business credit score
- It’s more expensive to rent than ever before
- How to get a home equity line of credit
- Electronics
- Consumer complaints
- Power and lighting
- Why are there so many kinds of cryptocurrency?
- How to evaluate dividends
- Clover Health Medicare Advantage service area
- Home equity loan requirements
- How to adjust your Form W-4
- Is Upwork the right freelance marketplace for you?
- Am I a resident for California state tax purposes?
- How to apply for income-driven repayment
- How to rebook your American Airlines flight for a cheaper fare
- Am I a resident for Illinois state income tax purposes?
- What happens if your estimated income is off
- What's next?
- Compare the best banks, credit unions and cash management accounts
- Discounts
- How much does homeowners insurance cost in Wyoming?
- Other shopping apps to help you save and earn
- If you're weighing the cost of the Chase Sapphire Reserve®
- Term life insurance shopping guide
- Do you pay tax on T-notes?
- 11. Do freelance work
- Become an authorized user
- Recap: How to get a cashier's check
- The bottom line on short selling
- The best place to exchange currency at the end of your trip
- 12. Natural cleaning and hygiene products
- Jumbo loans and conforming loan limits
- How to save on car insurance
- Where to find the best savings accounts
- 8. Yes, you can buy a mansion or a private jet on a Centurion Card
- Benefits of an IRA
- 7. Secure funding
- Choosing between cards? Rewards and perks might make the difference
- What’s next, a 2% standard?
- What to do with the Bitcoin you buy
- Grant programs in Cook County and Chicago
- Consumer experience
- Consumer complaints
- Shop around and read the fine print
- Can I claim the EITC without a child?
- Pros and cons of investing in semiconductor stocks
- Other debt payoff options
- Cons of a credit freeze
- How to save money on a gym membership
- July
- What's next?
- Are these the best dividend stocks?
- Getting there
- Disability insurance
- Best insurance company for accident forgiveness: Geico
- Step 4: Compare out-of-pocket costs
- 5. Dave: Best for repayment flexibility
- Which type of life insurance should I put in a trust?
- Will my servicer know if I qualify?
- Married filing separately
- Next Steps
- What are the best Vanguard index funds?
- Interest-based passive income ideas
- What is the average and median retirement savings?
- Am I a resident for New York state income tax purposes?
- The bottom line
- Step 5: Submit your application and get funded
- 4. If the car is sold, ask if you still owe money
- LLC sales taxes
- Tax-loss harvesting rules
- 13. Consulting
- Fear of store closures in small towns, despite assurances
- Find local conforming loan limits
- Cost of long-term care insurance
- If you're looking for the best way to use your cell phone abroad
- Steps to getting a refund from Spirit
- Compare the best bank accounts for students and kids
- Venmo
- Getting a home appraisal report
- How to finance central air installation
- How did rent get so expensive?
- How much can you borrow with a HELOC?
- How to estimate taxes for an income tax extension
- Looking for past years' saver's credit thresholds?
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- The complete list of dividend aristocrats
- How do ETFs work?
- Consumer experience
- Retirement accounts for small-business owners and self-employed individuals
- Are home equity loans a good idea?
- Where to exchange currency: Frequently asked questions
- Illinois state sales tax
- 2024 state income tax rates and brackets
- 9. You can get many of the Centurion Card's perks from The Platinum Card® from American Express
- Max out the food delivery perks
- How long are United travel funds good for?
- Factors that don’t affect your credit scores
- Consumer complaints
- Can a Delta eCredit be used for someone else?
- What other options can get your money back?
- Capital One Venture Rewards Credit Card
- 12. Create a podcast
- What about Bitcoin mining?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- How to claim the earned income tax credit
- Other home insurance companies to consider
- The edge of your seat
- Ways to get the best jumbo mortgage rates
- Summary of the best banks and credit unions of 2024
- Best life insurance company for coverage amounts: New York Life
- 2023-2024 lifetime gift tax exemption
- Protections: Peace-of-mind benefits
- Average cost of homeowners insurance in Wyoming by city
- Co-branded travel cards
- You can save money on holiday travel in 2024
- Credit freeze or credit lock?
- Can’t afford income-driven repayment?
- Will you owe capital gains taxes on your home sale?
- The bottom line
- How much money can you make on YouTube?
- Empower Personal Dashboard, for tracking wealth and spending
- Consumer experience
- Are cryptocurrencies financial securities, like stocks?
- 13. Become a rideshare or delivery driver
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Why a financial advisor's fee structure matters
- Should you invest in AI stocks?
- August
- 14. Collectible and vintage reselling
- Other ways to get your money back
- If you're looking to book business class lie-flat seats
- Avoid other redemption options
- How to improve your credit
- Figo: Best pet insurance for cats
- If you want to use Delta eCredits
- What do the approvals mean for other crypto investments?
- What if I had delinquencies or a student loan in default?
- Other home insurance companies to consider
- How to buy semiconductor stocks
- The bottom line
- USAA Rewards™ American Express® Credit Card
- LLC tax forms and deadlines
- The synthetic long
- Hilo vs. Kona recapped
- Shopping protections
- 6. MoneyLion: Best for existing customers
- How to pay estimated taxes
- Grant programs in northern Illinois
- Which card should you get?
- Get credit for the bills you pay
- Who can access your frozen credit reports?
- Important considerations when opening a Roth IRA
- Compare top-rated life insurance companies
- How to avoid capital gains tax on home sales
- 15. Virtual assistant services
- Tax advantages of buying long-term care insurance
- Walmart2Walmart
- The cheapest home insurance in Wyoming
- 14. Tutor
- The bottom line
- Consequences of an EIC-related error
- More reading for active investors and traders
- What is credit card consolidation?
- DTI isn't a full measure of affordability
- 10. You can get better rewards on many other cards
- Capitalize on other travel perks
- If you’re looking to use your United travel funds
- Can you cruise without a passport?
- 8. Design your bar
- Loyalty programs
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- After deciding
- What is the normal fee for a financial advisor?
- Selling a put option
- 7. Rent cars with Southwest car rental partners
- How much is the gift tax rate?
- Is getting a HELOC a good idea?
- ETF creation and redemption
- State Farm vs. competitors
- Are dividends taxed?
- Are there drawbacks to investing in the S&P 500?
- September
- 16. Coaching or mentoring
- Earn an audience, and earn more in the long run
- Best life insurance company for permanent life insurance: Pacific Life
- How can I check and monitor my credit?
- Best insurance company for having few customer complaints: American Family
- Can I get a refund?
- If you want to book an open-jaw flight using Chase points ...
- Is consolidating credit card debt a good idea?
- Types of financial planning help
- If you're ready to start a budget
- Team it with a different card
- The bottom line
- What to know about Wyoming homeowners insurance
- Frequently asked questions about estimated tax payments
- Best for those who pack expensive equipment: Travel Insured International
- Single
- Grant programs in central Illinois
- Pros and cons of cryptocurrency
- 15. Rent out items
- Next steps
- If you're considering Delta
- 5. Work on improving your credit
- Find the best life insurance policy for you
- LLC tax tips for business owners
- 9. Develop your marketing strategies
- 7. SoLo Funds: Best for peer-to-peer cash advances
- U.S. Bank Cash+® Visa Signature® Card
- Other potential alternatives
- Can I still get a past year's earned income tax credit?
- Practice good credit habits
- W-4 calculator
- Related articles
- How to buy long-term care insurance
- 8. Visit restaurants through Rapid Rewards Dining
- If your DTI is high
- Travel protections
- Final thoughts on Hilton points expiration
- Step 5: Compare benefits
- How much do ETFs cost?
- 16. Use cash back apps
- The bottom line
- California state tax credits
- Other types of mortgage loans
- Other ways to make money
- Western Union
- How to avoid gift tax
- Winter travel trailer camping, recapped
- How to get the types of business insurance you need
- Who is most likely to rent?
- Other home insurance companies to consider
- 4. Money market funds
- Apparel and shoes
- October
- How taxes on real estate, rental, and investment sales work
- Fixed-income taxes
- Mutual fund types
- Advantages of franchising for the franchisor
- FHA vs. conventional loans: Summary
- PocketGuard, for a simplified budgeting snapshot
- Understanding life insurance quotes
- 9. Earn Southwest points while eating and drinking
- What else to know about Form W-4
- Best life insurance company for customer satisfaction: State Farm
- Is it better to get a home equity loan or line of credit?
- ETFs vs. mutual funds vs. stocks
- Grant programs in Metro East Illinois
- What if you're not eligible?
- How to invest in fixed-income securities
- 8. Klover: Best for no-fee advances
- Is there an over-55 home sale exemption?
- USAA Rewards™ Visa® Signature Credit Card
- Understanding state 'partnership' plans
- More about term life insurance
- Check your credit scores and reports
- November
- Rent vs. income
- Best insurance company for financial strength: Auto-Owners
- Business cards
- 5. Mutual funds
- Cryptocurrency legal and tax issues
- NYC income tax rates
- Additional tips for making money on TikTok
- Call vs. put options
- How to redeem rewards on the Chase Sapphire Reserve®
- What to do if you can’t keep up with your HELOC payments
- Best for adventurous travelers: World Nomads
- OK, what's next?
- Best stocks for beginners
- What are tax deductions?
- Zelle:
- The bottom line
- Bank of America® Premium Rewards® credit card
- Final thoughts on the best flight booking site
- Additional resources for veteran entrepreneurs
- Why is financial planning important?
- What are the Roth IRA rules?
- Next Steps
- Summary: How to choose health insurance
- Best life insurance company for older applicants: AARP
- What's next?
- MetLife: Best pet insurance for dogs
- Pros and cons of loan apps
- 6. Index funds
- Your next step
- Your decision: Is cryptocurrency a good investment?
- December
- 10. Shop online through Rapid Rewards Shopping
- Credit cards for dining
- Honeydue, for budgeting with a partner
- The four options market participants and their incentives
- The bottom line on investing in stocks
- How to track your California state refund
- Advantages of put options
- Wyoming insurance department
- How do mutual fund profits work?
- What to know about the best ways to send money
- Best insurance company for discounts: Amica
- 6 things to know about New York state income tax
- How to find cheap American Airlines flights
- What are tax write-offs?
- Best term life insurance companies of 2024
- Disadvantages of franchising for the franchisor
- Looking for more insurance in Wyoming?
- Best for medical coverage: Travelex Insurance Services
- Bilt World Elite Mastercard® Credit Card
- How to find the right ETFs for your portfolio
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January
With a fresh page on the calendar comes a fresh start for sales. These items are discounted in January:
Bedding and linen. Department stores hold bedding and linen “white sales” in January with deep discounts on sheets and towels.
Fitness equipment. Retailers will meet goals to get in shape with decent deals. Expect workout gear and apparel sales to abound at sporting goods stores. (Tip: Tread lightly on a treadmill purchase unless you're sure you’ll use it. It’ll always be cheaper to walk around the block.)
TVs and electronics. Just before the Super Bowl, retailers normally discount TVs and other home theater essentials.
Mark your calendar: Martin Luther King Jr. Day is Jan. 15.
Freebie day: National Spaghetti Day is Jan. 4.
February
It’s the month of love and gift-giving, but February might be a better time to buy major items for yourself than trinkets for your loved one. Options include:
TVs. Television sales spill over from January into February ahead of the Super Bowl. Aside from Black Friday, this is one of the best times to buy a TV.
Winter items. With winter winding down, retailers will be looking to unload inventory of cold-weather products. Look for sales on apparel and winter sports gear that you'll need later in the year.
Home goods. Expect retailers to put home stuff on sale for Presidents Day and the weekend preceding the holiday.
Leftover chocolate. The savvy couple does Valentine’s Day a week late to save a buck. Grab a heart-shaped box of candy on Feb. 15, when stores will be discounting their Valentine’s Day leftovers. It’ll be easier to get a dinner reservation after Feb. 14 too.
Mark your calendar: Super Bowl Sunday is Feb. 11, Valentine's Day is Feb. 14 and Presidents Day is Feb. 19.
Freebie day: National Frozen Yogurt Day is Feb. 6.
March
There aren’t any major shopping holidays in March, but that doesn’t make for a total lack of sales. Look for deals on these products:
Tax software. Retailers like to discount tax software in March, ahead of Tax Day in April.
Grills. Buy your summer grilling necessities now to avoid a spike in prices when summer arrives.
St. Patrick’s Day essentials. Around St. Patrick’s Day, online retailers and department stores usually discount green clothing, party supplies and jewelry.
Vacuum cleaners: Some retailers will be ready to reward early spring cleaners with a deal on a Dyson, Shark or other brand of vacuum.
Mark your calendar: St. Patrick’s Day is March 17 and Easter Sunday is March 31.
Freebie day: Pi Day is March 14, because 3.14 (get it?).
April
April has its fair share of spring deals and discounts, including:
Vacuums. April is the real cleaning month and will bring more deals on vacuums. Look for markdowns at department stores as well as on manufacturers’ websites.
Tax-themed items. Year after year, retailers and restaurants try to lighten the burden of Tax Day with discounts and freebies on services like paper shredding. Keep an eye out for these around mid-April.
Beauty products. Time to get outside and look your best. The Sephora spring sale is usually this month.
Sustainable items. To celebrate Earth Day, be on the lookout for retailer deals on sustainable items, such as reusable totes and water bottles, sustainably made clothing and other “green” products. Is this the year you start composting? We support that.
Mark your calendar: Tax Day is April 15.
Freebie day: Earth Day is April 22.
May
April discounts give way to more in May. Here’s a look at some items to consider buying this month:
Spring apparel. By May, retailers will discount spring clothing that has already been hanging on racks for a month or two.
Furniture. Three of the biggest blowout shopping days are Black Friday, Labor Day and Memorial Day. Memorial Day is in May, so look for furniture and home decor discounts from big-box stores.
Small kitchen appliances. Use May discounts as an opportunity to buy small kitchen appliances, such as coffee makers and blenders. Typically, these products are included in Memorial Day sales, and they make great gifts for upcoming summer weddings.
If last year’s shopping research is any indication, prices on select kitchen gadgets could drop the Friday before Mother’s Day.
Mark your calendar: Mother’s Day is May 12 and Memorial Day is May 27.
Freebie day: National Hamburger Day is May 28.
June
June is short on days, but long on the list of deals. Smart purchases include:
Lingerie. Stock up on undergarments in June. That’s when Victoria’s Secret, for example, has been known to host its famous semiannual sale. The sale also typically occurs in December.
Other semiannual sales. The midway point is known for sales at lots of stores. In past years, we’ve seen stores like Bath & Body Works and Brooks Brothers hold semiannual sales in June.
Gym memberships. Consider buying a gym membership during the summer, and be sure to negotiate for the best deal. Gyms may be eager for sign-ups when people are more likely to spend time outside.
Tools and other dad gifts. In preparation for Father’s Day, many retailers will offer deals on a variety of power tools and outdoor gear, as well as things like men’s clothing. Solo Stove has discounted its portable fire pits around this time in the past.
Mark your calendar: Father’s Day is June 16.
Freebie day: National Doughnut Day is June 7.
July
In July, prices drop like it’s hot. Consider buying these:
Summer apparel. The sun is still out, but demand for summer clothes starts to go down. So, buy up shorts, tanks and flip-flops while stores make it worth it. Buy only what’s on sale, though.
July Fourth items. Retailers like a reason to celebrate. In the days leading up to Independence Day, there’s usually an abundance of sales on red, white and blue products, as well as on barbecue and backyard items, sporting goods, jewelry and furniture.
Personal electronics on Prime Day. Amazon’s Prime Day happened on July 11 and 12 in 2023, so you can likely expect similar timing in 2024. It’s basically Black Friday in July, and it’s a hot sale for electronics and gadgets, among other categories. It also drives other retailers to compete with copycat sales.
School supplies. Kids won't want to think about the end of summer yet, but retailers start putting school supplies on sale in late July. If you have supply lists in hand, shopping back-to-school early can help you avoid the August rush.
Mark your calendar: Independence Day is July 4.
Freebie day: National Ice Cream Day is July 21 and National Lipstick Day is July 29.
August
Close out summer by buying summer products? That’s right. Look for end-of-season clearance sales in August on:
Back-to-school supplies. The start of school marks the need to buy low-cost items such as notebooks and pencils and more expensive ones like calculators and laptops. Generally, the closer to the start of the school year you buy, the better your chances of getting a good price.
Backyard products. Ride out the end of summer with a big deal on lawn mowers and other seasonal outdoor equipment, like a grill.
Swimsuits. There may not be many swimming days left by the time August rolls around, but that’s exactly why swimsuit clearance sales will crest. Buy swimsuits now for next year.
Tax-free shopping. Back-to-school can be expensive. However, to aid in the purchase of school supplies, clothes, personal computers and other approved necessities, many states offer a tax-free weekend. If yours does, check the date and have your list ready.
Mark your calendar: For many school districts, the first day of school is in August.
Freebie day: National Waffle Day is Aug. 24.
September
With deals on items as varied as mattresses and pool toys, September is a surprising month for good buys. Score reasonable prices on these:
Mattresses. Year after year, September is a good time for mattress sales. Expect deals from department stores and mattress centers, usually as a part of Labor Day promotions.
iPhones. Apple often announces its latest iPhone lineup and other products in September. The unveiling is usually followed by a drop in prices on the models that have been around awhile. Check out used iPhones around this time too.
Appliances. Expect a series of blowout deals in the week leading up to Labor Day, including promotions on appliances big and small.
Mark your calendar: Labor Day is Sept. 2.
Freebie day: National Cheeseburger Day is Sept. 18.
October
Retailers won't ghost you in October. There will be plenty of deals on these product categories:
Outdoor furniture. Expect deals on patio furniture and outdoor living products when the weather turns cool.
Jeans. Fall inventory arrives in stores in August and September, but you’ll pay top dollar unless you wait a few weeks. October is a great time to buy a new pair of jeans.
Candy. The closer you get to Halloween, the better your chances of snagging a discounted bag of candy for trick-or-treaters.
Holiday gifts. Amazon has held a Prime Day-like shopping event in October for the past two years. The multi-day event sparked similarly-timed sales from retailers like Target, Walmart and Best Buy and featured deals that rival Black Friday and Cyber Monday. These events have made early October a top time to buy gifts or things you need for yourself.
Mark your calendar: Columbus Day and Indigenous Peoples Day are Oct. 14 and Halloween is Oct. 31.
Freebie day: National Taco Day is Oct. 4 and National Dessert Day is Oct. 14.
November
November is the real month for Black Friday sales, which means some of the most popular technology products fall to their lowest prices. Expect most retailers to offer some kind of deal on products in nearly every category — not just on Black Friday, but throughout the month.
Electronics. Gadgets like TVs, tablets and laptops take center stage during Black Friday sales. Look for discounts on headphones, smart speakers and activity trackers, too.
Clothing. November has to be the busiest month for clothing catalogs. Scan the brands you like for discounts, and shop stores like Gap, Land’s End and American Eagle directly online for surprise coupon codes.
Streaming subscriptions: As if you need another password to remember, November has become a great time to sign up for a new streaming service. Popular content providers like Hulu and Paramount+ have offered solid subscription discounts during extended Black Friday sales in the past.
Mark your calendar: Thanksgiving is Nov. 28 and Black Friday is Nov. 29.
Freebie day: National Sandwich Day is Nov. 3.
December
The end of the year is just the beginning of discounts in some product categories. Look for sale prices on these items in December:
Electronics. Those Black Friday electronics deals from late November will spill over into the new month.
Small kitchen appliances. Cyber Monday 2024 falls on Dec. 2, and it’ll likely be a great time to get an air fryer. NerdWallet monitored prices on 10 popular products during every major sale of 2023. Each of the three kitchen gadgets on our list — an air fryer, stand mixer and coffee machine — hit low prices on Cyber Monday.
Toys. Toys are popular holiday gifts, and stores generally drop prices as the season draws to a close. Look on Black Friday but buy in December.
Christmas decorations. Beginning the day after Christmas, shop sales for deep discounts — often upward of 50% — on decorations, wrapping paper, ornaments, artificial trees and similar seasonal fixings.
Mark your calendar: Christmas is Dec. 25. Hanukkah starts Dec. 7.
Freebie day: National Cookie Day is Dec. 4.