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. Minimum amount to open
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- 1. Determine how much to save for a down payment
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- 1. Spending too much
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- 1. Just one late payment
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- 1. Medical expense deduction
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- January
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- Step 1: Check your credit
- What goes into the credit card interest calculation
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- 1. Start investing as early as possible
- Understanding the basics
- The best budget apps
- ‘An expensive gamble’
- 1. Set your budget
- Create a budget plan that works for you
- Accounting basics
- How we found the best travel insurance
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- How do LLC taxes work?
- What are blockchain stocks?
- How many points are needed for a free night?
- 6 ways to save money on Delta flights
- How it works
- What is the break-even analysis formula?
- Best visitor insurance for parents visiting USA
- Why use a certified check?
- 1. Find the right products to sell on Amazon
- Pros & Cons
- 1. Digitize important documents
- How does capital gains tax on real estate work?
- How does the SALT deduction work?
- What is trip cancellation insurance?
- Credit card features that function like buy now, pay later
- QuickBooks Online vs. Desktop comparison
- How we picked the best airline
- Key Findings
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- 1. Airlines, including Delta, aren’t required to provide compensation for delays
- Step 1: File a tax extension
- 50/30/20 budget calculator
- What is Mint?
- Most profitable small businesses
- What is second chance checking?
- First, some background
- Types of deposits
- How to start a T-shirt business: A step-by-step guide
- General advice for international money transfers
- 1. Open an IRA
- Why is having a low credit utilization important?
- What is net worth?
- Calculate your closing costs
- 1. Strengthen your financial profile
- You should feel good about buying a house if …
- What is car insurance?
- Can you refinance an FHA loan?
- Why a mortgage-free retirement is usually best
- How does leasing work?
- How we picked the best hotel brand
- Best day to book a flight
- Holding Bitcoin
- Minimum wage over time
- 1. Check your account statements
- Booking the trip
- How does a lady bird deed work?
- 8 steps to open a car detailing business
- What to know about AmEx Gold lounge access
- What does this value mean?
- Factors in your credit score
- 1. Credit score and credit history
- What is an IRS offer in compromise?
- 1. Gather information
- Best ways to consolidate credit card debt
- Why the IRS audits people
- 4 common check fraud scams
- Roth IRA contribution limits 2024
- How do brokerage accounts work?
- Average retirement savings balance by age
- When to sign up for Medicare before turning 65
- How does an FHA 203(k) loan work?
- 19 top franchise opportunities for veterans
- The best cheap pet insurance companies
- Medigap vs. Medicare Advantage: Overview
- Who can you claim as a tax dependent?
- Small-town business ideas
- 5 Ways to get started in real estate investing
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- What is a business credit report?
- How does the lottery work?
- What is a state income tax?
- 1. It’s very similar to the Bank of America® Premium Rewards® credit card
- 8 upcoming big tech earnings dates and estimates
- Our picks for the best life insurance companies in March 2024
- 6 ways to buy Bitcoin
- 17 passive income ideas
- How to start day trading
- You booked flexible airline tickets
- Does your life insurance have cash value?
- 2. Interest rate
- Fed policy has bashed home affordability
- What the settlement could change
- 1. Think before you rebalance
- Factors affecting cost
- When can you withdraw from a Roth IRA?
- Who is required to fill out a W-9?
- How to conduct a market analysis: A step-by-step guide
- Kids don’t need an ID when flying within the U.S.
- 1. Clean up your credit
- A step-by-step guide to starting a restaurant
- Identify your servicer
- Benefits of additional cards
- Late winter and early spring
- Index fund vs. mutual fund
- Average savings account rate: 0.47%
- Home costs depend on age, condition, climate
- Understand the process, requirements
- Set your car payment budget
- What does it mean to invest in the S&P 500?
- How to freeze your credit with all 3 bureaus
- Summary of cash advance apps
- How to make money online
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- 2. Read a book
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- Why do interchange fees exist?
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- How does being an authorized user affect your credit?
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- The best burial insurance in March 2024
- Scenario 1: You know the name of the life insurance company
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- How we got here
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- Outlooks on tax refunds and bills
- Best place to exchange currency: Your bank or credit union
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- 1. Do your homework and gather evidence
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- 2. Hit 'unsubscribe'
- How Insured Cash Sweep accounts work
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- Options for cutting child care costs
- How the cards compare
- 2. Not paying ALL of your bills on time
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- Rite Aid
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- How to consolidate your debt
- 2. Not spending enough
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- How to fill out a W-4
- Wire transfer fees by financial institution
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- 1. How much do you want to spend on monthly payments?
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- Who files a Schedule C tax form?
- When will the Fed start cutting rates?
- What is the child tax credit?
- A quick answer, most of the time
- Front-end and back-end DTI
- Types of stock analysis
- 2. Minimize how much cash you carry
- 1. Affirm
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- The market outlook for home buyers
- Types of bonds
- 22 popular tax deductions and tax breaks
- What is the 50/30/20 rule?
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- 529 plan rules
- How to lower your credit utilization
- Where Farmers stands out
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- What you can dispute
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- How to choose a checking account
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- 2. Categorize your expenses
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- The Gold Card’s features
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- Who is a qualifying child?
- How we ranked the top life insurers
- How whole life insurance works as an investment
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- Where Costco home insurance stands out
- What’s happening to Mint?
- What are the pros and cons of second chance checking?
- Better redemption options
- 3. Applying for more credit
- Ria pros:
- 2. Getting just one rate quote
- Know what servicers can (and can’t) help you with
- Other Medicare expenses may be deductible
- What to know before leasing a car
- Why equity matters
- Why are APYs increasing?
- Best day to fly
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- Grace period
- 1. Brigit: Best for budgeting tools
- How to convert American miles to dollars (calculator)
- Cheap(er) cell phone plans from Verizon, T-Mobile and AT&T
- 2. Determine your coverage needs
- How we ranked the top life insurers
- Median retirement savings balance by age
- 5 blockchain stocks to consider
- The largest banks in the U.S.
- What mobile home insurance covers
- Factors that go into your business credit score
- How state income tax rates work
- Scenario 2: You don’t know the name or whether the person had a policy
- Table of Contents
- When Medicare starts: Turning 65
- Why QuickBooks Online is a better choice
- 2. Delta will keep customers informed about delays
- Step 2: Estimate your bill, and set aside cash for interest
- Roth vs. traditional IRA: How to choose
- Cons
- 3. Monthly fee
- 3. Take a holistic view
- How does a bank work?
- 2. Use money tips to accelerate your savings
- Are my deposits safe?
- How much should I save?
- Roth IRA withdrawal rules
- Why the Chase Sapphire Reserve® wins by a nose
- 2. Cash management accounts
- How is the Fear and Greed Index used?
- Different types of life insurance
- Our take
- How to calculate the inflation rate
- What does car insurance cover?
- How individual life insurance handles suicide
- Hawaiian seat selection fees
- 2. A 529A account (ABLE accounts)
- When should you refinance an FHA loan?
- What you need to know about savings accounts
- Mortgage interest
- How about Bitcoin ETFs?
- State minimum wages in 2024
- Information you need to freeze your credit
- February
- Medicare covers Ozempic for Type 2 diabetes
- Who is GoodRx best for?
- Why short a stock?
- 4 steps to spot a fake check and avoid trouble
- Reasons to cancel
- 2. And for how long are you willing to make them?
- 2. Shop for a loan
- How to choose a brokerage account provider
- How LLCs pay income taxes
- How does a Roth IRA work?
- Individual taxpayer identification number (ITIN)
- Meme stock history
- 2. Research products to sell on Amazon
- 2. Credits and perks can make up for the card’s annual fee
- 3. Look less like a tourist
- What is the SALT deduction?
- Your hotel has a friendly cancellation policy
- How investment and brokerage fees affect returns
- Best car insurance in North Carolina overall: Travelers
- Location
- What is a mega backdoor Roth?
- 2. Consider "buying the dip"
- Ria cons:
- Where Farmers falls short
- Best for low premiums: Wellcare Medicare Part D
- Holiday weekends
- Consolidation vs. refinancing
- Key findings
- Popular credit cards with travel insurance
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- Step 2: Pre-qualify and compare offers
- 3. Losing your points
- 2. Income
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- The Federal Reserve, mortgage rates and inflation
- When are estimated taxes due?
- Types of Elite Member Benefit Guarantees
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- 2. Two factors determine your Bitcoin tax rate
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- Where Costco home insurance falls short
- Guardian Life insurance policies
- 4. Go paperless
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- 4. Canceling your zero-balance credit cards
- Average net worth by age
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- How do you calculate closing costs on a house?
- Don't make yourself poorer
- What you shouldn’t dispute
- When to choose a CD over a money market account
- How to choose a savings account
- Should I buy stocks when markets are at all-time highs?
- Low-Income Subsidy or Extra Help (Part D)
- Aflac life insurance policies
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- Who qualifies for an IRS offer in compromise?
- Final word
- Other alternatives to Mint
- 4. Play a game inside
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- How the standard deduction works
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- Limited FHA 203(k) loans
- Solo 401(k) contribution limits
- Who sets interchange fees?
- 1. Chase: $2.61 trillion
- A hard pull, in some cases
- Best life insurance for seniors in March 2024
- VA home loan eligibility
- Checking your business credit score
- Parents, millennials more likely to make travel plans
- Earned income tax credit 2023
- Advantages of debt factoring
- What does Chase trip cancellation insurance cover?
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- The best airline of 2024
- Step 3: Prepare to pay a tax penalty, too
- Day trading strategies
- You haven’t booked nonrefundable activities
- How you can prepare for the end of Mint
- 5-year, 10-year, 20-year and 30-year S&P 500 returns
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- Ria transfer methods and options
- How to pay off debt and help your credit score
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- Dangers of having 'too many'
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- Using a credit card with Bitcoin rewards
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- Deciding how much to set aside
- Best iOS personal expense tracker apps
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- Am I stuck with Nelnet until my loans are paid off?
- 3. Build a budget that works for your expenses
- Pros and cons of a lady bird deed
- Debt consolidation calculator
- Key sections of an IRS tax return
- What documents do I need to cash a savings bond?
- Putting alcohol in your bag
- 3. How much are you willing to pay in upfront costs?
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- What are AI stocks?
- Is it a good deal?
- Working from home job ideas
- Break-even analysis example
- AmEx Platinum vs. Chase Sapphire Reserve: Deciding factors
- How to guard against certified check fraud
- 3. Earning and redeeming rewards is fairly simple
- Repayment terms may be interest-only
- 4. Share your itinerary with someone you trust
- Less ‘urgency’ to innovate for customers, skeptics say
- What to consider
- Tax credits for people married filing jointly
- Best life insurance companies: Pros and cons
- 3. Delta will rebook you on the next available flight
- First things first: Check your IRA eligibility
- Costco home insurance coverage
- Certificates of deposit
- Student loan lump-sum payment calculator
- Picking a second chance checking account
- 4. Minimum amount to avoid a monthly fee
- When to use Membership Rewards points at Amazon
- Benefits of an Insured Cash Sweep account
- Average cost of tires
- 5. Transferring balances to a single card
- How does Audible fit into your budget?
- 2. Set financial priorities
- 2. Rebalance your debts and income
- Term life insurance
- 2. Make a larger down payment
- Do research and prepare your questions
- Savings accounts with strong APYs can help your money grow
- Where do I find top savings accounts?
- Consolidating private student loans
- Cost of living has grown faster than income in the past four years
- Historical national rates
- Assess impact to your current, future employment
- 2. It can help you avoid cash advance fees
- Travelers are taking action to save money on summer vacation
- How easy is it to earn Hyatt points?
- 21 most-shorted stocks by short interest
- 4. Redeeming points at low value
- How to get your money back
- 5. Play a game outside
- Use a budget planner
- What is a Bitcoin strategy ETF?
- Calculate your DTI
- When is whole life insurance worth it?
- How much of your income should go toward a mortgage?
- Best burial life insurance policies for 2024
- When are state income tax returns due?
- 2. Afterpay
- Who qualifies for the home sales tax exclusion?
- When Medicare starts: People living with certain disabilities
- Does Disney+ allow password sharing?
- How to get a DUNS number
- Four ways to tap life insurance cash value
- 5. Automate your accounts to meet your goals
- Why invest in target-date funds
- Fed intends a 'difficult correction'
- Mega backdoor Roth 2024
- 3. Keep down payment savings in the right account
- What won’t change
- Direct deposits
- 2. Redemption is effortless but limited
- 3. Not checking credit reports and correcting errors
- 3. High-yield money market accounts (MMAs)
- State availability
- FHA refinance options
- How does a home equity loan work?
- Joann
- When to choose a savings account instead
- Home equity loan interest
- March
- Average daily balance
- 3. Monthly debt payments
- 3. Choose how to shop for car insurance
- You travel but don't want to 'hack'
- 3. Determine other ownership costs
- Best whole life insurance policies for 2024
- How to fill out Schedule C
- Child tax credit 2024
- Standard FHA 203(k) loans
- 3. The IRS has the paperwork you’ll need
- Where to exchange currency outside the U.S.
- 4. If you’re inconvenienced overnight, Delta will provide hotel accommodations or offer compensation
- Are brokerage fees tax-deductible?
- How to make a lump-sum payment on student loans
- 2. If a collection is on your report in error, dispute it
- 3. Remember why you chose your investments
- Where do I put my emergency fund?
- Roth IRA income and contribution limits 2024
- Our tips
- How group life insurance treats suicide
- 3. Child and dependent care credit
- Is my money safe in a high-interest, online account?
- Do all workers earn at least the minimum wage?
- 2. Empower: Best for fast cash
- When is the best time to use American miles?
- Decide what type of account you want: checking vs. savings
- 2. Decide how much to invest
- 6. Volunteer
- Following accounting standards
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Retirement savings by age
- Estimated tax payments 2024
- What do interchange fees mean for cardholders?
- What can you invest in with a Roth IRA?
- How to calculate debt-to-income ratio for a mortgage
- 5 best-performing meme stocks
- How to apply for a VA home loan
- 5. Research travel advisories for destinations
- When you might choose QuickBooks Desktop instead
- Step 4: Circle Oct. 15 on your calendar
- How to invest in dividend ETFs
- It’s already included on your credit card
- Best North Carolina car insurance for your budget: Progressive
- 5. Excess withdrawal limit
- House size, style and features
- 6. Streamline your bank accounts
- Types of banks
- Drawbacks of an Insured Cash Sweep account
- 6. Co-signing credit applications
- Limitations of the Fear and Greed Index
- How to calculate your net worth
- Deducting Medicare premiums if you’re self-employed
- All year
- The value of high APYs
- When debt consolidation is a smart move
- How to convert Hyatt points to dollars
- Cheap cell phone plans from brands owned by the big three
- 5. Not transferring points
- Roth IRA contribution limits 2023
- Top 9 Bitcoin strategy ETFs by fee
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- Employer identification number (EIN)
- Who benefits from becoming an authorized user?
- What if you're priced out of homebuying?
- What isn’t covered by Chase trip cancellation insurance?
- Price vs. yield
- My Chase Plan
- Tax minimization approaches
- DUNS number vs. EIN: What’s the difference?
- What to look for in a new budgeting app
- Investment fee calculator
- How does a life insurance trust work?
- 3. Consider paying points
- Making the decision
- Best for member satisfaction: AARP/UnitedHealthcare Medicare Part D
- When a payoff isn't possible, minimize the mortgage
- How a savings account works: withdrawal limits
- Average interest checking account rate: 0.07%
- How to invest in the S&P 500 in two steps:
- How to unfreeze your credit
- Will Medicare pay for Ozempic for weight loss?
- Online check-in
- What are the potential drawbacks of GoodRx?
- Is it worth it to cash a savings bond?
- The risks of short selling
- How the IRS decides whether to accept an offer in compromise
- 7. Visit the farmers market
- 4. How far do you drive?
- Child tax credit expansion: What the tax deal could mean for you
- Do mortgage rates follow Fed rates?
- Where do lottery prizes come from?
- Types of state income tax
- You can be held responsible for a bad check
- Borrowers who may consider a non-QM loan
- Full Review
- When Medicare starts: General enrollment period
- Can Disney+ fit my budget?
- Guardian life insurance rates
- What to expect the stock market to return
- How to make a deposit
- When can you withdraw from your Roth IRA?
- 7. Not having enough credit diversity
- 4. Making a down payment that's too small
- How do I keep my credit score from dropping?
- Farmers home insurance coverage
- Traditional IRA deduction limits 2023-2024
- Additional car insurance coverage options
- Gather key documents
- What is private equity?
- Discount points
- Rising costs thwart debt payoff plans
- Lending Bitcoin
- 3. Rewards won’t make up for runaway spending
- Aflac customer complaints and satisfaction
- Goodbudget, for hands-on envelope budgeting
- 4. Find the right car for you
- How do small businesses use accounting?
- Roth IRA income limits 2023
- Standard deduction 2023
- 203(k) eligible projects
- Are Roth IRAs insured?
- How many Wyndham points will I earn on hotel stays?
- 2. Bank of America: $2.34 trillion
- How do streaming services fit into your budget?
- When to use break-even analysis
- Most travelers driving to destinations, staying with loved ones
- 6. Sign up for Smart Traveler Enrollment Program
- Earned income tax credit 2024
- 2023 standard deduction married filing jointly
- Best life insurance company overall: MassMutual
- 5. You can ask for compensation
- Airlines that offer lie-flat seats on smaller aircraft
- How to day trade stocks
- How target-date funds work
- High interest rates may last for years
- 4. Look at the necessities
- W-9 form 2023: What's new
- 4. Peer-to-peer lending
- Why is net worth important?
- 3. Don’t ask for too much cash
- 1. High-yield savings accounts
- Consider seeking professional tax advice
- What fine print should I look out for?
- What eligibility requirements are borrowers still expected to meet?
- Other ways to prepare for home costs
- Medicaid
- How do you set up a lady bird deed?
- How can I get more value from my Hyatt points?
- 6. Spending points versus paying a low cash price
- 8. Go thrift shopping
- Who should make estimated quarterly tax payments?
- Pros and cons of VA home loans
- Where does lottery revenue go?
- When Medicare starts: Special enrollment periods
- National second chance banking
- 4. Resist dipping into your other savings
- Business bank accounts with sweep options
- 3. There's no sign-up bonus
- How do I build an emergency fund?
- 8. Holding high credit card balances
- Kids need an ID when flying internationally
- When to estimate closing costs
- Resources if you or someone you know is thinking about suicide
- Kirkland’s
- Determine your deal breakers
- April
- How to reach Nelnet customer service
- Where Aflac stands out
- 4. Assets and additional applicants
- You're interested in travel, but you've got more pressing priorities
- What do accountants do?
- Schedule C: Tips and tricks
- When to sign up for Social Security
- What’s a spousal Roth IRA?
- Terms connected to meme stocks
- How fast does an authorized user build credit?
- 4. Flight redemptions get a 20% discount
- Where to find non-QM loans
- 3. Apple Pay Later
- QuickBooks alternatives
- The bottom line
- Where to avoid exchanging currency
- Why the Roth IRA works for many savers
- How to find another company's EIN
- Guardian Life insurance customer complaints and satisfaction
- More about these investment expenses
- Don’t limit yourself to springtime to clean up your bank accounts
- Your 401(k) plan allows after-tax contributions
- Labor costs
- What's next?
- Whole life insurance
- Block out a chunk of time for the call
- Dispute responsibly
- How much should you spend on a mattress?
- Some nontravelers cite inflation as a reason for staying home
- Does Medicare cover Wegovy?
- How has the value changed over time?
- Do I pay taxes when I cash in savings bonds?
- 3. Open an investment account
- Peace of mind
- 9. Go for a walk
- 5. How important is driving the newest model to you?
- How to open a brokerage account
- The Bitcoin ETF price war
- What does this mean for your financial decisions?
- How to invest in AI stocks
- How many banks have collapsed?
- Need more points? Loyalty is rewarded
- Fees for certified and cashier’s checks
- 7. Notify credit card companies of your travel plans
- Who is covered by Chase trip cancellation insurance?
- Quarterly category cards
- The importance of a direct 401(k) rollover
- Step 5: Relax if you’re abroad or in the military
- When travel insurance is worth it
- CD vs. high-yield savings account: At a glance
- Which plumbing problems aren’t covered?
- 9. Unemployment leading to missed payments
- Farmers home insurance rates
- 4. Take advantage of first-time home buyer programs
- Are there fees?
- How to consolidate private student loans
- Property taxes
- Many in credit card debt feel stressed, worried
- 4. Redemption options are limited
- 3. EarnIn: Best for large advances
- Where Aflac falls short
- Find a bank that suits your needs
- Cheap cell phone plans from brands that resell network service
- 7. Not using your benefits
- What you pay
- W-4 form 2024
- Domestic vs. international fees
- Calculate your reduced Roth contribution
- Standard deduction 2024
- Covering your spouse under your solo 401(k)
- How to find blockchain stocks
- Other ways to build credit
- Married filing jointly vs. separately
- Skip currency exchange: Use a credit or debit card
- Discounts
- How to increase your net worth
- Exceptions to IRA contribution limits
- Inflation example
- What states are increasing minimum wages in 2024?
- Alternatives to regular savings accounts
- Is it a good idea to consolidate credit cards?
- Step 3: Choose your lender and loan
- Additional functionality
- 10. Take a hike
- 5. Contact the seller or visit a dealership
- What is a meme stock ETF?
- What are the lottery payout options?
- How to qualify for the earned income credit
- Why is the 10-year Treasury yield important?
- Workers fear losing hard-fought union benefits
- 4. You can write off Bitcoin losses
- Mortgage borrowing 101
- Methodology to determine the best airline
- How to store the Bitcoin you buy
- Get more help with monthly budget planning
- More about Guardian Life insurance
- Best North Carolina car insurance for customer complaints: Auto-Owners
- Types of bank accounts and loans
- Your 401(k) lets you move your after-tax money
- 5. Get help with saving for a down payment
- What’s next?
- Types of life insurance trusts
- 10. Ignoring your credit report
- 5. Online savings accounts
- What car insurance doesn’t cover
- Additional Medicare Part D companies
- Mattress-buying tips
- Methodology to determine the best hotel
- How much to keep in your savings account
- Are there other high-yield options for savings?
- Accepting payments or tips in Bitcoin
- When a car payment doesn't fit your budget
- Does Medicare cover Mounjaro (or Zepbound)?
- Get personalized help
- How did we determine the Hyatt points value?
- Interest rate
- How flexible are American miles?
- What is a short squeeze?
- Should I file taxes now or wait for the child tax credit expansion?
- 3. Wells Fargo Bank: $1.68 trillion
- Adoption taxpayer identification number (ATIN)
- More small-business data from NerdWallet
- 5. It lacks transfer partners
- 6. Travel insurance can protect you even more
- How to open a savings account or CD
- 3. If you already paid the debt: Ask for a goodwill deletion
- Condition and needed repairs
- How to make homebuying less painful
- 5. Think about staying invested if you can
- 4. There's no 0% intro APR offer
- 5. Not looking for first-time home buyer programs
- 4. Consider a co-signer
- What do closing costs include?
- How to lease a car
- Home office expenses
- 5. There’s a credit score requirement
- Some are traveling for concerts, weddings this summer
- May
- Alternatives to a lady bird deed
- How does a debt consolidation loan work?
- More about Aflac
- 8. Misunderstanding bonus categories
- Consider the costs of cashing out your 401(k)
- Additional costs for international wires
- 11. Ride a bike
- How to open a solo 401(k)
- Federal funds rate and HELOCs
- Crypto ETFs
- How to open a Roth IRA in 6 steps
- Who is a qualifying relative?
- What is a good DTI ratio?
- Alternatives to non-QM loans
- 8. Be careful with public Wi-Fi
- Medicare start date
- Citi Flex Pay
- Tax brackets and inflation adjustments
- Best life insurance company for applicants with HIV: Guardian
- Step 6: Lift your chin up
- The best times to day trade
- The bottom line
- Consumer complaints
- How to invest in target-date funds
- You should probably postpone buying a house if …
- Do you qualify for borrower defense forgiveness?
- Rising interest rates are making it harder for many to pay off debt
- Embarkation
- What to expect when you open your new account
- Next steps: Compare and apply
- How to find the 2024 W-4
- 6. How clean do you keep your car?
- LLC payroll taxes
- How to find AI ETFs
- What is the VA loan limit?
- Disadvantages of debt factoring
- How much is the SALT deduction?
- Which trips are eligible for Chase trip cancellation insurance?
- How to find business class lie-flat seats on domestic flights
- 401(k) withdrawals
- What is a W-9 form used for?
- 5. Shop around with multiple lenders
- Be firm but polite
- Tips to find cheap flights any day of the week
- Average certificate of deposit rate: 1.81% for one-year CDs
- How to freeze your child’s credit
- What you’d pay out of pocket for Ozempic, Wegovy, Mounjaro or Zepbound
- Do debt consolidation loans hurt your credit?
- Shipping alcohol
- Standard deduction for those 65 or older
- Best for emergency medical coverage: Allianz Global Assistance
- Do spot Bitcoin ETFs have custodianship risk?
- How quickly could the IRS implement the child tax credit expansion?
- Refinancing with an FHA 203(k) loan
- Are 10-year Treasury notes a good investment?
- Pros and cons of a 401(k) rollover into an IRA
- How to change or cancel an EIN
- Regional and state-based second chance checking accounts
- 3. Get disability and life insurance
- Discounts
- 2. Certificates of deposit
- Alternatives to savings accounts
- Minimum wage increases
- Premium checking accounts
- How much does it cost to invest in the S&P 500?
- How to complain about Nelnet
- 4. Pick an investment strategy
- Other things to know about IRS offers in compromise
- Other ways to cut wire-transfer costs
- 12. Sleep in the woods
- 6. Inspect and test-drive the car, if applicable
- Other Roth IRA rules
- Brokerage accounts are taxable accounts
- How to calculate quarterly estimated taxes
- Medigap vs. Medicare Advantage: Coverage features
- Can I make money with meme stocks?
- What’s not covered
- 3. Decide how and where to source your products
- 9. Get travel insurance
- 4. Klarna
- Consumer experience
- Best North Carolina car insurance for ease of use: State Farm
- Ready to get started?
- You’ve got money left over for savings
- Form W-9 vs. W-4
- No-closing-cost mortgages
- Universal life insurance
- Medically necessary home improvements
- The 50/30/20 budget calculator
- When debt consolidation isn't worth it
- Step 4: Gather loan documents
- 4. Varo: Best for existing bank customers
- How did we determine the value of American miles?
- What is naked short selling, and why is it illegal?
- 9. Picking the wrong cards
- 7. Do you use your car for business?
- Why did First Republic Bank fail?
- 2023 state income tax rates and brackets
- Day trading risk management
- November mortgage rates forecast
- 5. You'll get other perks via Mastercard
- 6. High-yield checking accounts
- Travel ID requirements for kids recapped
- 6. Consider alternative types of mortgages
- Day-trading Bitcoin
- What is the median household income in the U.S.?
- Close your old account, if needed
- Things to consider
- EveryDollar, for simple zero-based budgeting
- Do I have to update my W-4 every year?
- 13. Gaze at the stars
- Requirements: Who qualifies for the child tax credit?
- How to choose between Medigap and Medicare Advantage
- How else can you use Wyndham points? Let us count the ways
- 4. Citibank: $1.01 trillion
- Preparer tax identification number (PTIN)
- Maximum and average DTI ratios by mortgage type
- The drawbacks of whole life insurance as an investment
- How to file a trip cancellation insurance claim with Chase
- 5. Failure to report Bitcoin can be costly
- Americans' outlook on green tax credits
- Making the call
- 4. Check your credit reports after 30 days to make sure the change was made
- Next steps:
- Bank features and services
- 5. Use collateral to secure the loan
- What is hyperinflation?
- Take notes
- Federal student loan consolidation
- What you can do if you have credit card debt
- June
- 4. Use budgeting or expense-tracking apps
- Days in the cycle
- American Express® Gold Card airport lounge access recapped
- 10. Not using your travel credit card
- Other options
- Contributing too much to a Roth
- Who qualifies for an FHA 203(k)?
- Refinancing a VA home loan
- Who counts as a qualifying child for the earned income credit?
- How do you buy 10-year Treasury notes?
- Warehouse club cards
- Exchange frequently? Consider a multicurrency account
- 7. Your travel card may already include travel insurance benefits
- What happened to mortgage rates in October
- How much money can you put in a Roth IRA?
- Form W-9 vs. W-2
- 6. Ignoring VA, USDA and FHA loan programs
- Consumer complaints
- How to apply for borrower defense to repayment
- When should you freeze your credit?
- Covering weight loss drugs would be costly for Medicare
- Taking a sip down memory lane
- Where does an IRS audit take place?
- 14. Listen to music
- What do the approvals mean for Bitcoin?
- If finding ways to travel safely is your goal …
- Best life insurance company for consumer experience: Northwestern Mutual
- How to confirm if a flight has business class lie-flat seats
- Why you might prefer the Capital One Venture X Rewards Credit Card
- 3. Bonds
- How to protect against inflation
- Cheaper ways to send money
- 7. Determine which warranties are right for you
- LLC self-employment taxes
- Could we be in an AI bubble?
- Working from home tips
- If you want to score discounted Delta flights
- Building your business credit score
- Calculating capital gains tax on a home sale
- Is solar panel installation right for your home?
- Full list of the best car insurance companies in North Carolina
- Bottom line
- Consumer experience
- Consider a DIY approach — but only in some cases
- Homeowner costs that aren't tax-deductible
- Best Android personal expense tracker apps
- The ship
- How to adjust your Form W-4
- 15. Make some music
- Why did Silicon Valley Bank fail?
- How much are lottery winnings taxed?
- Do you pay tax on T-notes?
- Barclays Easy Pay
- Bottom line: Is day trading right for you?
- Seller-paid closing costs
- Home renovation loan alternatives
- Are interest rates fixed on savings and checking accounts?
- 5. Explore other expense-tracking methods
- How to switch plans and keep your number
- The bottom line on short selling
- Brokerage accounts vs. IRA
- Standard deduction for dependents
- Additional child tax credit
- How do I get an FHA 203(k) loan?
- 5. U.S. Bank: $646.73 billion
- Types of VA home loans
- 5. PayPal
- Can I claim the EITC without a child?
- Chase trip cancellation insurance recapped
- The best place to exchange currency at the end of your trip
- Tools for picking the perfect airline seat
- What to do with the Bitcoin you buy
- The bottom line
- Should you file a claim for plumbing problems?
- 7. Not knowing whether to pay discount points
- 6. Find the right lender
- Variable life insurance
- Where to find the best savings accounts
- Cons of a credit freeze
- July
- How to settle a dispute with Nelnet
- What's next?
- 5. Dave: Best for repayment flexibility
- 5. Understand your investment options
- 16. Make something
- What is the average and median retirement savings?
- Work from home job scams
- The bottom line
- Next Steps
- How much is mobile home insurance?
- What taxes aren’t covered by the SALT deduction?
- Interest-based passive income ideas
- Which type of life insurance should I put in a trust?
- Get tax help for complex issues
- Average money market account rate: 0.67%
- Step 5: Submit your application and get funded
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How to estimate taxes for an income tax extension
- LLC sales taxes
- Fear of store closures in small towns, despite assurances
- Other insurance companies to consider
- If all else fails, complain
- Could I lose my money in a checking or savings account if the bank fails?
- 6. Look for ways to lower your expenses
- 17. Learn a new skill
- 8. Negotiate the best price
- Are FHA 203(k) loans a good idea?
- Who doesn't count as a tax dependent?
- 2024 state income tax rates and brackets
- How to claim the earned income tax credit
- Your readiness to buy a home
- Why is it called the SALT tax?
- Where to exchange currency: Frequently asked questions
- The bottom line
- Banks vs. other financial providers
- Farmers vs. competitors
- Hawaiian Airlines seats for elite members
- How applying can affect your loans
- What about Bitcoin mining?
- When can't you take the standard deduction?
- How many times can you use a VA home loan?
- Best life insurance company for coverage amounts: New York Life
- 8. Emptying your savings
- How to consolidate federal loans
- Credit freeze or credit lock?
- Empower Personal Dashboard, for tracking wealth and spending
- 18. Exercise
- Term of the month: Sector rotation
- How much money can you make on YouTube?
- Will you owe capital gains taxes on your home sale?
- The problem with 'cents off per gallon'
- How to prevent plumbing problems
- Should I have my checking and savings accounts at the same bank?
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- August
- What do the approvals mean for other crypto investments?
- How to claim the child tax credit in 2024
- Should you invest in AI stocks?
- Why did Signature Bank fail?
- Tax breaks and credits for claiming a tax dependent
- 6. PNC Bank: $551.13 billion
- What to do if you win the lottery
- Is debt factoring right for my business?
- If you're looking to book business class lie-flat seats
- Hawaiian Airlines plane seating chart
- The future of blockchain technology
- How long should you hold on to an income tax return?
- 6. MoneyLion: Best for existing customers
- 19. Have a potluck
- Should I get The Platinum Card® from American Express?
- How to pay estimated taxes
- LLC tax forms and deadlines
- 6. Sezzle
- What are the tax rules for a Roth IRA?
- Which card should you get?
- Who can access your frozen credit reports?
- 9. Maximize trade-in value, if applicable
- How much is my 2023 standard deduction?
- The bottom line
- Important considerations when opening a Roth IRA
- Consequences of an EIC-related error
- How to avoid capital gains tax on home sales
- U.S. Bank ExtendPay
- Bond Funds
- Burial insurance
- Key terms in this story
- More reading for active investors and traders
- 4. Compare companies
- What is credit card consolidation?
- 20. Do something productive
- DTI isn't a full measure of affordability
- Manufactured and mobile home insurance companies
- Final thoughts on how to get IHG points
- The difference between interest rate and APY
- Additional help
- What is the difference between a tax return and a tax refund?
- After deciding
- Alternatives to debt factoring
- 9. Applying for credit before the sale is final
- Hawaiian Airlines seat selection recapped
- Are there drawbacks to investing in the S&P 500?
- September
- When to expect your child tax credit refund
- What’s happening with Silvergate Capital Corp.?
- Earn an audience, and earn more in the long run
- Best life insurance company for permanent life insurance: Pacific Life
- Is consolidating credit card debt a good idea?
- 21. Host a yard sale
- 10. Make the purchase
- Best for those who pack expensive equipment: Travel Insured International
- Frequently asked questions about estimated tax payments
- 7. Goldman Sachs: $463.99 billion
- How to claim lottery winnings
- If you're ready to start a budget
- 7. SoLo Funds: Best for peer-to-peer cash advances
- LLC tax tips for business owners
- What happened to Credit Suisse?
- Final thoughts on the Marriott elite benefit guarantees
- Can I still get a past year's earned income tax credit?
- Gas credit card savings calculator
- The bottom line
- When are tax returns due to the IRS?
- 5. Buy your new policy (and cancel your old one)
- W-4 calculator
- 22. Engage with your community
- 2023 vs. 2024 standard deduction
- If your DTI is high
- More about whole life insurance
- What are the largest lottery jackpots ever?
- 7. Zip
- Which type of bond is right for you?
- Consequences of a child tax credit error
- Other ways to make money
- What's next?
- 4. Money market funds
- October
- PocketGuard, for a simplified budgeting snapshot
- 8. Truist Bank: $534.93 billion
- How taxes on real estate, rental, and investment sales work
- Other types of life insurance
- How the FDIC calculates national rates
- When to claim the standard deduction
- Other cheap pet insurance companies
- What else to know about Form W-4
- Are other banks are in trouble?
- Is stock picking right for you?
- The Upgrade cards
- Best life insurance company for customer satisfaction: State Farm
- Next Steps:
- 3 best cold wallets
- 10. Shopping for a house before a mortgage
- The bottom line
- 8. Klover: Best for no-fee advances
- State child tax credits
- What if you're not eligible?
- Is there an over-55 home sale exemption?
- November
- Should I take my money out of the bank?
- Alternatives to the best burial insurance
- Different types of life insurance by underwriting
- 5. Mutual funds
- Best for adventurous travelers: World Nomads
- What is the $500 credit for other dependents (ODC)?
- 9. Capital One: $468.23 billion
- Compare buy now, pay later apps
- Dates that could move markets this month
- What are tax deductions?
- Best stocks for beginners
- Child tax credit vs. child and dependent care credit
- What determines your pet insurance cost?
- Other life insurance options for seniors
- More about top-rated life insurance companies
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- Should you use a buy now, pay later app?
- If you’re looking for the best seat
- What are the Roth IRA rules?
- Are we in a recession?
- 11. Underestimating the costs of homeownership
- Pros and cons of loan apps
- Visitors insurance for parents recapped
- Mastercard Installments
- Best life insurance company for older applicants: AARP
- Tips when writing your market analysis
- 6. Index funds
- December
- Honeydue, for budgeting with a partner
- 10. TD Bank: $366.25 billion
- More about buying life insurance as a senior
- The bottom line on investing in stocks
- Do I need additional travel insurance?
- Are we headed for a depression?
- How to find the best mobile home insurance
- How to find cheap pet insurance
- 12. Miscalculating repair and renovation costs
- Best for medical coverage: Travelex Insurance Services
- The bottom line
- Best term life insurance companies of 2024
- What are tax write-offs?
- 11. BMO: $260.79 billion
- More about top-rated life insurance companies
- Which type of life insurance should you get?
- Best whole life insurance companies of 2024
- How to make money from home
- Budgeting resources from NerdWallet
- Alternatives to the best whole life insurance
- Alternatives to buy now, pay later
- How these features differ from other BNPL options
- Who might prefer AmEx Platinum over Chase Sapphire Reserve
- Why should you write a market analysis?
- The best life insurance companies in March 2024
- 7. Exchange-traded funds
- Are cash advance apps payday lenders?
- 12. Citizens Bank: $224.96 billion
- Best no medical exam life insurance companies of 2024
- How do you claim tax deductions?
- Cards with travel insurance, recapped
- Cheapest car insurance by state
- How to compare pet insurance plans
- More about whole life insurance
- How to choose the best life insurance company
- Are apps like DailyPay and Payactiv cash advance apps?
- Methodology to identify the best budget apps
- Other home insurance companies to consider
- 13. First Citizens Bank: $213.59 billion
- 8. Stocks
- Best if you have travel credit card coverage: Seven Corners
- Pros and cons of starting a vending machine business
- Alternatives to cash advance apps
- More about top-rated life insurance companies
- How to get cheap car insurance
- Final thoughts
- 14. Fifth Third Bank: $211.98 billion
- Risks of getting cheap auto insurance
- More about top-rated life insurance companies
- How to make money offline
- Best for long-term travelers: IMG
- How to find the right business idea for your small town
- 15. M&T Bank: $208.61 billion
- 9. Alternative investments
- Why you can trust NerdWallet
- Cash advance app star rating methodology
- 16. Huntington National Bank: $186.36 billion
- Other ways to save money
- 10. Cryptocurrency
- 17. Ally Bank: $185.72 billion
- Best for travelers with unpredictable work demands: Tin Leg
- The bottom line
- 11. Real estate
- 18. KeyBank: $185.57 billion
- How to start a profitable business
- Best for booking travel with points and miles: TravelSafe
- How to choose the best investments in 2024
- 19. American Express National Bank: $174.80 billion
- How to choose an online business idea
- 20. HSBC Bank USA: $161.30 billion
- Best for group travel insurance: HTH Insurance
- How to find the best home insurance policy in five common scenarios
- Off the ship
- Types of travel insurance
- The bottom line
- Disembarkation
- How to compare homeowners insurance
- Watch out for making money scams
- Overall observations
- What does travel insurance cover?
- What’s not covered?
- Find the best homeowners insurance in your state
- How we ranked the best homeowners insurance companies
- 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.