Best Things to Buy Every Month in 2024
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A new year is a good opportunity to take charge of your personal budget and develop a strategy for buying the things you want.
Create a list of the big buys you plan to make this year and use our guide to time each purchase right, so you can save money.
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- 1. Be flexible
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- 1. Reward social media sharing
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- Minimum wage over time
- What you need to know about Delta eCredits
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- How to use the auto lease buyout calculator
- 1. Sign up for Google Fi
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- Delta premium economy seats
- You can temporarily self-report income
- 1. Sell spare electronics
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- Don’t price it too high
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- Refinance to a lower rate
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- Smarter appliances and shorter life spans
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- Key context
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- 1. Get help with utility bills and groceries
- First, some background
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- Passport expiration rules for Mexico
- 2. Consider the high and low season
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- What is a health savings account (HSA)?
- January
- What is a business credit report?
- Buy down the interest rate: Is it worth it?
- Why you should join (or not opt out)
- Types of personal finance software and apps
- Our tips
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- Best day to book a flight
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- Payment information
- Key takeaways
- How to fill out Schedule A
- Chase Pay Over Time
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- Best Medicare Supplement Insurance companies
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- Daily mortgage rates chart
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- Travel rewards
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- 1. A $10 statement credit
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- 1. There are restrictions on who can apply
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- 1. Fill out the FAFSA
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- 1. You can't get it anymore
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- Key takeaways
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- If you have private insurance
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- 1. Shorter pay periods
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- 2. Sell your gift cards
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- Average inflation rate
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- What you need to know
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- 1. Low-interest or 0% intro APR credit cards
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- 2. Find money for child care
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- What your estimated buyout cost tells you
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- 3. Pawn something
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- YNAB, for hands-on zero-based budgeting
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- 4. Choose a travel card carefully
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- 1. It comes in six card designs
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- 2. Get free overseas data using T-Mobile and Sprint
- Asset allocation and diversification
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- 2. Immersive experiences
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- How we ranked the top life insurers
- Money Worship
- Delta main cabin
- 2. Search for scholarships
- Taking advantage of the card's perks
- February
- High CD rates for now
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- Who gets a 1099?
- How do Hyatt points compare to other hotel programs?
- 4. Have fun with interactive content
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- 2. Account frozen? Submit documentation
- 4. Work today for fast cash today
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- Trading in a car with positive equity
- 2. Credit card loan programs
- What is a financial therapist?
- 3. Recover unclaimed money
- Investing for income: Dividend stocks vs. dividend funds
- 2. You'll get bonus cash back — just not a whole lot of it
- Mortgage payoff calculator help
- 5. Get creative with accommodations
- How to calculate adjusted gross income
- Key findings
- Checking your business credit score
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- Lay the groundwork for the conversation
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- How to use the Capital One Venture X Rewards Credit Card travel credit
- 3. You'll get a solid sign-up bonus
- But it’s not always possible, or advisable
- Use a 529 account or college savings
- 5. Let your customers peek behind the scenes
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- What to carry only occasionally
- How we got here
- For people with Medicare
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- Remitly transfer methods and options
- Other tools to check your financial health
- 2. Rebalance your debts and income
- Pros and cons of investing in real estate
- When is the best time to use Avios?
- Do consider the comps
- 2. Set financial priorities
- Everyday points accrue fast
- What triggered your decision to get out of debt?
- Apply for mortgage forbearance
- Even costly repairs make sense sometimes
- Molina Medicare star ratings
- NerdWallet’s budget planner
- Money Avoidance
- 6. Plan your budget
- 5 brokers with high cash interest rates
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- The cost of passport changes
- Pros and cons of real estate ETFs
- Should I choose a home equity loan or a HELOC?
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- Should I file Form 4868?
- How do REITs work?
- Examples of dollar-cost averaging (versus lump purchases)
- Understand your budget and your payment options
- What should I do if my mobile banking app isn't working?
- About home equity loans
- 3. Ask your bank for relief
- 3. High-yield money market accounts (MMAs)
- 5. Seek community loans and assistance
- Dividend vs. growth stocks
- Check redemption rates
- What you can do to stay insured
- Goodwill letter template
- Requirements: Who qualifies for the child tax credit?
- How credit scores affect monthly car payments
- What does loss of use cover?
- Mega backdoor Roth 2024
- How to get car insurance quotes
- How to calculate APY
- How to get a Companion Pass faster
- How to search and book JetBlue awards online
- 3. Choose an affordable school
- 3. Limited redemption options ...
- When to opt out (or not join)
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- 6. Play game show host
- Rewards summary
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- How your credit score affects your rate
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- What is debt consolidation?
- The bottom line
- Numerous obstacles to retraining
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- 4. Get down payment assistance for a home
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- 7. Prioritize travel (If that’s how you want to spend your money)
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- March
- How much does a cashier’s check cost?
- Do I need a 1099 to file my taxes?
- 4. Having Icon status comes with plenty of pros ...
- Frugal entertainment tips
- Best for extra perks: Aetna
- Get a job
- What is the point of the stock market?
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- 2. Empower: Best for fast cash
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- Credit cards = happiness?
- Demystifying MCCs
- 6. Ask for forbearance on bills
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- Faster rollout of new banking technology
- 3. Exclusive merchandise for purchase
- 3. Third-party payment services
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- Backdoor Roth IRA rules
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- 3. You can earn a modest sign-up bonus
- 2. Cash back rewards are pretty good
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- Maintain control of the conversation
- Coinsurance vs. copay
- Joint bank accounts and marriage
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- How to convert Hyatt points to dollars
- 7. Put a face to the brand
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- My Chase Loan
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- REITs' average return
- Price vs. yield
- Do I have to pay state tax on lottery winnings?
- Try a simple budgeting plan
- 3. Buy a local SIM card in your destination
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- How a savings account works: withdrawal limits
- 2. Earned wage access as an employee benefit
- How to meet your monthly savings goal
- Asset management
- 4. Monitor bank transactions online
- How credit utilization affects your scores
- How are dividends paid out?
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- I bonds calculator
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- Apply for loan modification
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- Money Vigilance
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- 4. ... Not to mention needlessly restrictive
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- Is per-card or overall utilization more important?
- Getting an expedited passport
- How to set up an IRA
- How to unfreeze your credit
- When is the best time to use Alaska miles?
- Savings account simple interest vs. compound interest
- What it means for your money
- Serve American Express Prepaid Debit Account
- What happens after you apply for income-driven repayment?
- 7. Request a payroll advance
- When you should lock your mortgage rate
- Who can open a joint business account
- Don’t discount elite status
- OASDI limit 2024
- Easing the environmental impact
- How drastic are the changes?
- What a good credit score can get you
- The Federal Trade Commission’s budget worksheet
- Where to find your AGI on your 1040
- The state of home improvements
- 5. ... But keep an eye on fees and APR
- What to avoid
- 8. Use LinkedIn Groups to expand your network
- How do streaming services fit into your budget?
- How to choose a life insurance company in 2024
- What state has the highest gas prices?
- Freezing your Experian credit report via postal mail
- When not to file Form 4868
- When voluntary repossession makes sense
- 3. Don’t ask for too much cash
- 4. Peer-to-peer lending
- How to redeem Copa ConnectMiles for maximum value
- Miles&Go sweet spots
- Risks of fixed-income investments
- Weighing the pros and cons of debt consolidation
- Goodbudget, for hands-on envelope budgeting
- How much do streaming services cost?
- How much are American Express Membership Rewards points worth?
- 4. There's a 0% period for transfers, but also a fee
- Can I travel to Mexico with an expired passport?
- Be prepared for the response
- Using the mortgage points calculator
- Copay vs. deductible
- How much is car insurance in my state?
- How can I get more value from my Hyatt points?
- How does travel protection work?
- Information about your account
- Key terms in this story
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- Should your phone be your wallet?
- How to use your Delta eCredit to book a new flight
- How much do index funds cost?
- Citi Double Cash® Card
- Alaska first-time home buyer programs
- Resist the urge to buy everything immediately
- About home equity lines of credit
- 5. Know the bank’s timeline
- How did we determine the Avios points value?
- Treasury bond and note calculator
- Don’t overvalue your home’s upgrades
- Tips for avoiding late payments
- Other features that may be similar
- 4. Buy now, pay later services
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- How loan term affects your monthly car payment
- What’s not covered
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- 5. Find tax credits for health insurance
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- Money Status
- How does Spotify fit into your budget?
- Adjustable-rate mortgage cons
- The bottom line
- When should I receive my 1099?
- Frugal DIY project tips
- 9. Partner with a fellow small-business owner
- How to find another company's EIN
- How does a HELOC work?
- Types of REITs
- Does pet insurance cover bilateral conditions?
- How much interest will I earn on $10,000?
- 4. Utilize an eSIM card
- Pros and cons of joint loans
- How long you can receive home health services
- Amenities and other perks
- How to cancel an Equinox membership
- 8. Take a loan from your retirement account
- 6 types of dividends
- 4. Complimentary glam services
- The bottom line
- What additional sources of income did you have?
- Eliminate mortgage insurance
- Your 401(k) plan allows after-tax contributions
- 5. The cell phone protection perk isn't too impressive
- 3. The card gives useful discounts in Vegas ...
- APR vs. APY: What’s the difference?
- Why you may prefer the Wells Fargo Autograph℠ Card
- 4. Use grants if you qualify
- How do HSA and FSA contributions work?
- April
- How to open a joint account
- What if I lose the cashier's check?
- Other tech tools to help you manage your money
- A note about gift cards that function like prepaid debit cards
- Do I have to pay California state tax?
- The cabin experience
- Bank of America® Customized Cash Rewards credit card
- How many banks have collapsed?
- For Medicaid beneficiaries
- How to open a brokerage account
- Pros and cons of investing in stocks
- Should you consider municipal bonds?
- Today’s rates for specific kinds of mortgages
- Best car insurance in California for customer complaints: Amica
- How to apply for a joint business bank account
- Your options for retraining
- How to choose a financial therapist
- 6. Apply for college grants
- How to invest in dividend stocks
- 5 steps to applying for a mortgage
- Finding JetBlue award availability
- 5. You won't want to carry a balance
- The significance of adjusted gross income
- The beginnings and endings of bull markets
- Coinsurance vs. deductible
- How do you sign up for a Costco membership?
- 10. Give back
- Schedule A tips and tricks for itemizing
- What states are increasing minimum wages in 2024?
- Finding a home even harder in Q3
- Diversifying with index funds
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- Should I take a lump sum payment or annuity payments?
- Historical Alaska mile values
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- 9. Borrow against life insurance
- Final steps
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- Renewing your passport
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- Get more help with monthly budget planning
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- Best for local support: Blue Cross Blue Shield
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- 3. EarnIn: Best for large advances
- W-4 form 2024
- What state has the lowest gas prices?
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Getting information about an Experian credit freeze by phone
- Why is the 10-year Treasury yield important?
- Does pet insurance cover hereditary and or congenital conditions?
- More competitors to cash
- How much to keep in your savings account
- Know how to earn rewards
- How an Equinox membership fits into your budget
- 6. Rebounding from bank account fraud
- 5. Online savings accounts
- Don’t let your emotions get the best of you
- What advice would you give to someone interested in a side hustle?
- What to do after removing an authorized user
- Your 401(k) lets you move your after-tax money
- What affects your credit score?
- 4. ... and online
- How to invest during a bull market
- How to make a claim
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- How did we determine the Hyatt points value?
- How to invest in AI stocks
- 11. Create an eye-catching display
- How does credit utilization affect my credit score?
- Using a passport agency for urgent travel
- Payments and credits
- Are home equity loans a good idea?
- 4. Consider a co-signer
- 10. Use a credit card cash advance
- Treasury bills calculator
- 5. Flexible credit card options
- Foundation grants for nonprofits
- Estimating your car payment
- How a financial therapist can help you overcome your fears
- How it all works together
- Types of 1099 forms
- How do you pay for purchases at Costco?
- What is the stock market doing today?
- How to file Form 4868
- How flexible are Alaska miles?
- Is a joint loan right for you?
- ONE VIP Visa Prepaid Card
- Is OASDI tax the same thing as Social Security tax?
- How did paying off debt improve your credit?
- How comprehensive insurance works
- Is a backdoor Roth IRA worth it?
- What are IRS Free File Fillable Forms?
- Turned down? Consider other ways to access more money
- 5. Get a work-study job
- Why doesn’t my report show a credit score?
- Consider the costs of cashing out your 401(k)
- May
- When to consider adding additional insurance to your rental
- Frugal home expenses tips
- 12. Hit the streets
- What is California's standard deduction?
- 11. Look for a payday alternative loan
- ConnectMiles elite status program
- Best California car insurance for ease of use: State Farm
- What are fleet cards?
- Types of mortgage loans
- LLC payroll taxes
- Loss of use coverage limits
- Watch out for scams
- 5. The card is fundamentally sound
- How compound interest works
- How do I access the money in my FSA or HSA account?
- Is an ARM right for you?
- Cashier’s check vs. certified check vs. money order
- How to change or cancel an EIN
- Credit union personal loan rates
- Food and drink
- How to freeze your child’s credit
- How to find the 2024 W-4
- Minimum wage increases
- Once you request your Experian credit freeze
- Quick start guide: How to invest in index funds
- Are 10-year Treasury notes a good investment?
- How do insurers determine pre-existing conditions?
- How do I deal with lottery taxes?
- Taxes for rollover IRAs: 2 rules to know
- Alternatives to savings accounts
- Do adjust the price or approach as needed
- 3. Get disability and life insurance
- Why you may not be getting a response after an interview
- When to expect your child tax credit refund
- Can I get my Social Security tax back if I’ve overpaid it?
- How did you stay motivated during your debt-free journey?
- How to get a good credit score
- What not to do
- Best Pennsylvania car insurance for ease of use: State Farm
- What is your modified adjusted gross income (MAGI)?
- When to get a CD
- Joint accounts for teens
- Ready to get started?
- 13. Engage with your community
- Strategies for keeping your credit utilization low
- Check your credit cards for complimentary coverage
- New charges
- Alternatives for paying down a credit card balance
- Credit card spending still has many positives
- If you need help applying, contact your servicer
- Brokerage accounts are taxable accounts
- 6. Personal loans
- You’ve got money left over for savings
- Spirit Airlines delayed flight compensation recapped
- 6. Work for an employer that pays for college
- What if I don't use all the money?
- DIY vs. pro
- The catch: Your health plan's network
- How to compare home insurance quotes
- How to find AI ETFs
- Is a Costco membership worth it?
- Tips to find cheap flights any day of the week
- Costs of using a passport courier
- What is stock market volatility?
- How do I grow my home's equity?
- What is the median household income in the U.S.?
- What is the cost of filing Form 4868?
- Why did First Republic Bank fail?
- If you're considering booking Delta Air Lines premium economy
- 6. High-yield checking accounts
- 12. Get a personal loan
- Earning Miles&Go miles with partners
- How do fleet cards work?
- Traveling to Mexico without a passport
- American Airlines AAdvantage MileUp Mastercard benefits summed up
- How do you buy Vanguard Index fund shares?
- How much is car insurance by company?
- Should you buy gift cards with a credit card?
- 14. Plan an event
- What part of my income gets taxed by California?
- 4. Varo: Best for existing bank customers
- HELOC requirements
- How are gas prices determined?
- Best for extra benefits: Anthem Medicare Supplement Insurance
- Homes on and off the market in a blink
- How did we determine the value of Alaska miles?
- 5. Use collateral to secure the loan
- Travel and shopping protections
- Which lender is right for me?
- What is hyperinflation?
- EveryDollar, for simple zero-based budgeting
- Delta Comfort Plus
- Are credit scores from all major bureaus the same?
- How to open a CD
- If you're considering booking a rental car with your American Airlines card
- Best for low-cost plan availability: Humana
- Do I have to update my W-4 every year?
- How do you buy 10-year Treasury notes?
- How to find insurance for pets with pre-existing conditions
- Who qualifies for the SAVE plan?
- You don’t need to have $10,000 to take advantage of compound interest
- For the uninsured
- How to avoid getting your car stolen
- Full list of the top auto insurance companies in California
- 2024 child tax credit news update
- 7. Alternative 'quick cash' options
- What are your next financial goals?
- Is the 35K certificate impossible to use now?
- How to file a loss of use claim
- Molina Medicare Advantage plan types
- Is APY variable?
- Potential tiebreakers
- Brokerage accounts vs. bank accounts
- June
- How can I avoid cashier's check fraud?
- 15. Welcome new neighbors
- Extras
- Interest charges
- When should you freeze your credit?
- Citi® Diamond Preferred® Card
- 5. Pay for an international plan add-on
- How much does it cost to open a liquor store?
- 13. Rent out a room
- Types of fixed-income investments
- How to protect against inflation
- Full list of the best car insurance companies in Pennsylvania
- Hold JetBlue awards while you transfer miles
- Are Roth IRAs safe?
- CD vs. savings account
- Building your business credit score
- How to get a loan from a credit union
- How to get a home equity line of credit
- How to fill out Form 4868
- The Hub of the Americas
- Debt consolidation options for bad credit
- LLC self-employment taxes
- Bottom line
- If you want to score discounted Delta flights
- Getting the most out of The Platinum Card® from American Express
- 16. Use email
- So, how much is a U.S. passport?
- Am I a resident for California state tax purposes?
- How do you invest in the stock market?
- Why did Silicon Valley Bank fail?
- Do you pay tax on T-notes?
- How to earn more interest in a savings account
- FamZoo Prepaid Card
- How much does comprehensive coverage cost?
- Wellcare by Allwell Medicare Advantage plan types
- 7. Take out federal loans if you have to
- Recap: How to get a cashier's check
- Getting your Delta Air Lines refund
- If you’d like to purchase travel protection
- How to adjust your Form W-4
- How to start dollar-cost averaging
- Where to find the best savings accounts
- 6. Find the right lender
- Brokerage accounts vs. IRA
- How to evaluate dividends
- Copa Airlines for U.S.-based travelers
- Tip: Consider all of your JetBlue-Emirates redemption options
- Alternatives to Roth IRAs
- How can I check my credit reports?
- CD vs. bond
- What are the best Vanguard index funds?
- Could we be in an AI bubble?
- 17. Start a podcast
- Cons of a credit freeze
- Should you exercise early?
- Next Steps
- How to invest in alternative investments
- 14. Moonlight as a dog sitter
- Are these the best dividend stocks?
- Molina third-party ratings
- Passport expiration rules for Mexico, recapped
- July
- Doing the math on copays, coinsurance and deductibles
- 5. Dave: Best for repayment flexibility
- U.S. Bank Cash+® Visa Signature® Card
- How much can you borrow with a HELOC?
- Types of gas
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- Which pet insurance companies cover pre-existing conditions?
- How to apply for the SAVE plan
- If you're looking for the best way to use your cell phone abroad
- Additional considerations
- LLC sales taxes
- How you can save points on a redemption
- Is The Platinum Card® from American Express right for you?
- Paying for it all
- 18. Start a blog
- Credit union vs. online lender
- Emirates offers the best airline suites
- Can a Delta eCredit be used for someone else?
- Where to download Form 4868
- Can you contribute to a rollover IRA?
- 15. Become a rideshare or delivery driver
- Fleet fuel cards: benefits and drawbacks
- Types of CD strategies
- Best of the Blues: Highmark
- Which card should you get?
- What's next?
- If you're seeking a Delta refund
- 19. Host a webinar
- Credit freeze or credit lock?
- How much money can you make on YouTube?
- Related articles
- What hotel brands are part of IHG?
- 16. Cut your insurance premiums
- The bottom line on how to research stocks
- Empower Personal Dashboard, for tracking wealth and spending
- Consequences of a child tax credit error
- Advantages and disadvantages of comprehensive insurance
- Molina Medicare Advantage service area
- Third-party ratings
- What if I see a mistake on my report?
- How much is auto insurance based on your driving record?
- If you want to use Delta eCredits
- Why did Signature Bank fail?
- When is the SAVE plan available?
- What is the highest credit score, and how many people have it?
- What is no-exam life insurance?
- If you're considering JetBlue Mint
- 8. Borrow private loans as a last resort
- August
- 20. Find opportunities to share your voice
- Where to mail Form 4868
- Pros of investing in REIT stocks
- Greenlight Prepaid Mastercard
- LLC tax forms and deadlines
- Cards that earn American Express Membership Rewards points
- Credit cards and elite status can improve your overall experience
- Next steps
- 6. MoneyLion: Best for existing customers
- Who can access your frozen credit reports?
- Medigap plan types
- Important considerations when opening a Roth IRA
- What are CD rates right now?
- Should you invest in AI stocks?
- 21. Serve as an expert media source
- Why are California gas prices so high?
- Choose the best IHG credit card offer for you
- 17. Consolidate your debt
- More reading for active investors
- Elite benefits on partner flights
- More about the card
- State child tax credits
- What else do credit bureaus do?
- Next steps
- Is getting a HELOC a good idea?
- Citi Rewards+® Card
- Cons of investing in REIT stocks
- Fuel card vs. business gas credit card
- How to shop for Medicare Advantage plans
- 22. Maintain your Yelp page
- Earn an audience, and earn more in the long run
- What’s happening with Silvergate Capital Corp.?
- Alternatives to no medical exam life insurance
- What to expect: Upcoming projects
- September
- Don’t forget about the Form 4868 deadline
- 18. Refinance your student loans
- Are dividends taxed?
- What is the $500 credit for other dependents (ODC)?
- What are promotional CD rates?
- 23. Target industry-specific review sites
- What happened to Credit Suisse?
- Investing in REITs: How to get started
- LLC tax tips for business owners
- Home insurance quote comparison example
- 7. SoLo Funds: Best for peer-to-peer cash advances
- What is credit card consolidation?
- 19. Change your cell phone plan
- Next steps
- Child tax credit vs. child and dependent care credit
- Other types of mortgage loans
- More about buying life insurance as a senior
- Allwell Medicare Advantage service area
- 24. Invest in low-cost Facebook advertising
- California state tax credits
- W-4 calculator
- Other ways to make money
- Walmart MoneyCard
- Does the president control gas prices?
- Other changes to income-driven repayment in the works
- Avoid risky loans
- Fixed-income taxes
- PocketGuard, for a simplified budgeting snapshot
- If you’re considering an upgrade to Delta Comfort Plus
- October
- 25. Sell online
- How does credit card consolidation work?
- Does your business need a fleet fuel card?
- Costs and economic considerations
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Is it better to get a home equity loan or line of credit?
- Are other banks are in trouble?
- The bottom line
- 26. Try guerrilla marketing
- What else to know about Form W-4
- A closer look at the best way to buy flight tickets
- How to invest in fixed-income securities
- What to know before shopping for car insurance quotes.
- More about top-rated life insurance companies
- Customer service
- 8. Klover: Best for no-fee advances
- How does the Israel-Hamas war affect gas prices?
- The final word
- Corporate grants for nonprofits
- 27. Hand out business cards
- Should I take my money out of the bank?
- What are tax deductions?
- November
- OK, what's next?
- Is consolidating credit card debt a good idea?
- What to do if you can’t keep up with your HELOC payments
- Summary: 2021 Alaska first-time home buyer programs
- 28. Utilize SEO best practices
- More resources
- Best stocks for beginners
- More about buying life insurance with a health condition
- Choose the best Delta credit card offer for you
- Which homeowners insurance companies should I consider?
- 29. Target the mailbox
- Can I still use my credit card after debt consolidation?
- Are we in a recession?
- Next Steps
- Low-fee alternatives to prepaid cards
- 30. Send out press releases
- Pros and cons of loan apps
- Honeydue, for budgeting with a partner
- Credit cards for dining
- December
- Other ways to redeem Marriott Bonvoy points
- 31. Use bulletin board flyers
- The bottom line on investing in stocks
- How to track your California state refund
- Are we headed for a depression?
- Cheapest car insurance by state
- How much does home insurance cost?
- 32. Give out branded merchandise
- Prime Visa
- What are tax write-offs?
- The new Marriott award system
- 33. Create a referral program
- What is a 1099 employee?
- What goes into a homeowners insurance quote?
- California state sales tax
- Prepaid-like options from fintechs: Apple Cash and Cash App
- How much is auto insurance for good and poor credit?
- How do you claim tax deductions?
- Budgeting resources from NerdWallet
- How to get cheap car insurance
- 5 things to know about California state tax
- Are cash advance apps payday lenders?
- Airline credit cards
- Other home insurance companies to consider
- Methodology to identify the best budget apps
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Best prepaid debit cards: Summary of fees and ATMs
- How to get a cheap homeowners insurance quote
- Pros and cons of starting a vending machine business
- Target Circle™ Credit Card
- What are prepaid debit cards?
- Alternatives to cash advance apps
- How to get the cheapest car insurance quote possible
- How much is auto insurance based on age?
- Other ways to earn American Express Membership Rewards points
- Booking flights, recapped
- Prepaid debit cards vs. regular debit cards
- The fine print
- Frequently asked questions about prepaid cards
- Cash advance app star rating methodology
- Capital One® Walmart Rewards™ Mastercard®
- Hotel credit cards
- Full list of the best car insurance companies
- How to find grants for nonprofits
- How much is auto insurance based on gender?
- Best car insurance companies by state
- PlayStation Visa Credit Card
- Store credit cards
- How much is auto insurance based on vehicle type?
- How to start a profitable business
- How to find the best car insurance
- What else affects my car insurance cost?
- How to get cheap car insurance
- How to find the best home insurance policy in five common scenarios
- Best Buy credit cards
- Options with more style than substance
- Why you can trust NerdWallet
- Xbox Mastercard
- How to compare homeowners insurance
- Find the best homeowners insurance in your state
- How we ranked the best homeowners insurance companies
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.