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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- 2. Spruce up the interior
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- February
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- Episode transcript
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- Learn more
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- 3. Spain
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- Step 2: Pre-qualify and compare offers
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- 4. Work today for fast cash today
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- What happens if you don’t pay your full balance
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- The downsides
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- 3. Transcribe audio and video
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- 2. Pad your nest egg
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- The customary way of thinking about it
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- Skip: Spring clothing
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- 2. You probably own more than you think
- Why the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card comes out ahead
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- Brex Card
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- 2. Rebalance your debts and income
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- Where to stay
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- 3. Automate and maximize savings
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- 2. Big spenders earn rewards at higher rates
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- How is the Student Aid Index used?
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- How much does hospice cost on Medicare?
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- 3. You NEED to work
- How did UPS workers get so close to striking?
- Myth 3. A credit check won’t impact your score
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- 2. Set financial priorities
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- 3. Make it low-maintenance
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- PMI calculator help
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- Can your Uber fare change?
- When are state income tax returns due?
- State availability
- What won’t change
- How to find growth stocks
- 4. Skip the phone upgrade
- Save a little at a time
- Credit cards
- What mortgage can I afford?
- What not to do
- Inheritance taxes vs. estate taxes
- Will I get an ABN if I have Medicare Advantage?
- Build credit without debt
- 2. Paying with points
- What the saver’s credit is worth
- Other factors to consider
- Are Vanguard index funds a good investment?
- Option 2: Swap your lease
- What is a Bitcoin strategy ETF?
- 3. High-yield money market accounts (MMAs)
- How to choose between an IRA and a 401(k)
- Calculate your DTI
- Ryanair has been recognized for its safety
- 3. Your credit score has dropped substantially
- Basic stock chart terms to know
- Wise transfer methods and options
- Goodwill letter template
- What is better: deferment or forbearance?
- Acadia Realty Trust (AKR)
- Joann
- Ways to get good value
- 5. Seek community loans and assistance
- How do REITs work?
- How does Apple Music fit into your budget?
- About home equity loans
- Who qualifies for the home sales tax exclusion?
- Use a budget planner
- Why aren't your scores exactly the same?
- Best burial life insurance policies for 2024
- 2. You won't want to carry a balance
- LLC vs. sole proprietorship
- The cost of critical illness insurance
- Pros and cons of real estate ETFs
- Customer service numbers for international travelers
- You only need one S&P 500 ETF
- Get advice before you decide
- 4. You'll stay on your issuer's good side
- March
- 4. Sell stuff online
- How to use a health care FSA
- Where to exchange currency outside the U.S.
- How are dividends paid out?
- 4. Contact the IRS
- Mortgage selection tips
- When do I have to pay an auto insurance deductible?
- Who has to pay self-employment tax?
- 3 active trader tax breaks
- Do I have to pay state tax on lottery winnings?
- How your credit score affects your rate
- How Net 30 shows up in reporting
- Roth IRA income and contribution limits 2024
- Child tax credit 2024
- Ante-up for a cash advance?
- Stock trading information
- The pros and cons of investing in tech stocks
- Should you refinance?
- 4. You need to rest
- Types of withholding and payroll tax
- Best whole life insurance policies for 2024
- Episode transcript
- What to include in an executive summary
- What can cause a 3-day closing delay?
- AutoCheck is better for the price conscious
- State availability
- Repaying a personal loan
- Buy: Tax software
- Saving a little at a time
- Do all workers earn at least the minimum wage?
- Don't get in the home inspector’s way
- 3. Look like you know where you're going
- Best car insurance in New York for your budget: Progressive
- Clear your check engine light
- When is the next Mega Millions drawing?
- Get a secured credit card
- Treasury bill rates compared to other Treasury securities
- How much does a cashier’s check cost?
- What causes a bad credit score?
- What can you invest in with a Roth IRA?
- How much debt should you take on for your child?
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- How to qualify for the QBI deduction
- Does Hulu allow password sharing?
- How to invest in dividend ETFs
- Frugal entertainment tips
- 2. Empower: Best for fast cash
- Limitations of the Fear and Greed Index
- Cash App
- 4. France
- 5. Cash in on discounts
- 4. No fee to share miles with another Hawaiian Airlines traveler
- 5 ways to make money on Instagram
- 2. Make risk your friend
- What kinds of ABNs are out there?
- OFX
- 529 plans by state
- What hospice services aren't covered by Medicare?
- Estimated tax payments 2024
- OASDI limit 2023
- How to calculate your net worth
- Is Form 1095-C tax deductible?
- Best insurance company overall: Travelers
- Delta Air Lines
- How to calculate debt-to-income ratio for a mortgage
- How to pay off a mortgage early
- How to calculate your home office tax deduction
- Best homeowners insurance in California for coverage: Chubb
- When should I receive my 1099?
- 2. Decide how much to invest
- Getting ready for a recession
- All year
- How does a SEP IRA work? The pros and cons
- 5. Forgetting about your extension deadline
- Travel
- Plan what you'll do with the welcome bonus
- 6. Ask for forbearance on bills
- Mutual of Omaha life insurance rates
- Should you invest in the stock market?
- Serve American Express Prepaid Debit Account
- 3. Renters insurance can pay for housing after a disaster
- How do I check my tax return status?
- When is the best time to book with points on Emirates?
- Do personal credit scores affect business credit scores?
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- Other student loan forgiveness programs
- Give it away
- Top Cancel For Any Reason travel insurance options
- 4 more ways to estimate how much life insurance you need
- But it wasn’t my fault
- Should you tip an Uber driver?
- Is student loan forbearance bad?
- Roth IRA contribution limits 2023
- Best homeowners insurance in Florida for coverage: State Farm
- How to choose an S&P 500 index fund
- Kin home insurance coverage
- Try a simple budgeting plan
- 3. Max out retirement (and avoid the IRS, while you're at it)
- 2. ... But ongoing rewards fall short
- FDIC insurance: What’s covered
- What is the fee for Global Entry?
- Should you buy growth stocks?
- What financial therapists can help you with
- Which airports offer U.S. border preclearance?
- Business coaching red flags
- Cheap cell phone plans from brands owned by the big three
- California income tax deadlines and extensions
- How the annual gift tax exclusion works
- Do you include a 401(k) in a net worth calculation?
- Other reasons to pay discount points
- Best for member satisfaction: State Farm Medicare Supplement Insurance
- Top 9 Bitcoin strategy ETFs by fee
- New York state supplemental income tax
- When it makes sense to spend your way to A-List on Southwest
- Is LifeLock worth the price?
- How does a life insurance trust work?
- Price vs. yield
- What's the average homeowners insurance deductible?
- Best wallets for convenience: hot wallets
- Goodwill letter vs. credit dispute letter
- How a savings account works: withdrawal limits
- What can I use a home equity loan for?
- Skip: Furniture
- NJM home insurance coverage
- REITs' average return
- Frozen customer accounts and sudden bankruptcies
- HODL and cryptocurrency
- 4. Make it more efficient
- Homeowners insurance breed restrictions
- Shift4Shop: Best shopping cart for B2B sellers
- 3. Cardholders enjoy a longer return period and exclusive offers
- Medicare open enrollment
- Coinsurance vs. copay
- Types of waiting periods
- Best homeowners insurance in Wisconsin for coverage: Openly and Erie
- How to qualify for an SBA line of credit
- ITIN: What it is and how to get one
- You can effectively double your grace period
- How much is the next Powerball jackpot?
- Redeeming award nights
- 5. You could activate your grace period
- Retirement investment account types in a nutshell
- How to invest in the S&P 500 in two steps:
- Types of state income tax
- 5. Housesit
- Cons of reverse mortgages
- Who can open a joint business account
- How does Hulu fit into your budget?
- Are you a day trader for tax purposes?
- Are physician home loans a good idea?
- Dividend kings vs. aristocrats
- The Federal Trade Commission’s budget worksheet
- Full coverage is (usually) a smart choice
- 5. Two free checked bags
- When you should lock your mortgage rate
- Traditional IRA deduction limits 2023-2024
- 4. Save raises and windfalls
- What state has the lowest gas prices?
- Child tax credit expansion: What the tax deal could mean for you
- 3. Customize your policies
- Why do companies file IPOs?
- How much does it cost to buy Vanguard index fund shares?
- 5. You need to refresh
- OASDI limit 2024
- Is it worth it to cash a savings bond?
- Rising costs thwart debt payoff plans
- Citi Flex Pay
- 4. You have a variable APR and the prime rate is going up
- How do I open a SEP IRA?
- Are bonuses taxed differently?
- Mercury home insurance coverage
- Do mortgage rates follow Fed rates?
- 7. Request a payroll advance
- Where can you buy commercial insurance?
- Will Medicare pay for Ozempic for weight loss?
- More specific categories for 0% interest promotions
- The Platinum Card® from American Express military benefits
- How to get started investing in private equity
- The bottom line: Knowledge equals power
- What are the potential drawbacks of GoodRx?
- Standard deduction 2023
- 3. Don’t ask for too much cash
- How to qualify for a hardship program
- Roth IRA income limits 2023
- Are Roth IRAs insured?
- Goodbudget, for hands-on envelope budgeting
- Namecheap: Best for drag-and-drop website building
- The bottom line
- When to choose the Chase Sapphire Preferred® Card
- 6 types of dividends
- Local sales
- 6. Add lines
- Recycle water containers
- Earned income tax credit 2024
- 1. High-yield savings accounts
- Is Net 30 right for your business?
- Domino's franchise costs
- How to book with Cash + Points at Marriott
- Perks: Goodies that come with the card
- Best life insurance company overall: MassMutual
- Grow credit with good habits
- 4. Peer-to-peer lending
- What about the new IDR plan?
- 2. Electronic funds withdrawal (EFW)
- Why is net worth important?
- Is there an extension to file Form 1095-C?
- Where are IHG Army Hotels?
- Report errors or ask questions ASAP
- SITE Centers Corp. (SITC)
- Missing a loan repayment
- Attractions and activities
- Don't be afraid to negotiate with the seller
- What’s the difference between pre-qualification and preapproval?
- Why haven't I received my tax refund?
- Student loan cancellation programs
- A few tips about giving gift cards
- How do Hilton points compare to other hotel programs?
- Caveats about UTMA and UGMA accounts
- Precheck your car
- Average mutual fund return
- The best candidates for critical illness insurance
- How to day trade stocks
- W-9 form 2023: What's new
- Best for Hyatt elites: Hyatt Regency Los Angeles International Airport
- Is Amtrak safe at night?
- Lenders look at more than a bad credit score
- Are Treasury bills a good investment?
- What's next?
- How to fit Uber into your budget
- How to improve bad credit
- How to use a dependent care FSA
- If you’re over the income limit
- How to pay self-employment tax
- 6. No foreign transaction fees
- Net worth calculator
- 3. Rewards can’t be saved for a big splurge
- What about in-person gambling?
- What to know about joining a credit union
- 3. With a vacation package
- Saver’s credit rates for 2023
- Starting Medicare hospice care
- 6. You value exceptional customer service
- Option 3: Buy your car, sell it yourself
- Who should make estimated quarterly tax payments?
- Products not to buy in bulk
- Will there still be delays to packages?
- Is the OASDI tax mandatory?
- Bottom line
- More advanced stock chart terms
- Tips for avoiding late payments
- Is Airbnb safe for hosts?
- Qualifying for a HELOC in retirement
- Consider your current flying and spending habits
- Kirkland’s
- Mutual of Omaha complaints and customer satisfaction
- 4. Leave the Rolex at home
- It’s not only about taxes
- Perks: Goodies for carrying the card
- 4. It can protect your finances
- About home equity lines of credit
- How flexible are Emirates Skywards miles?
- When do personal loans not make sense?
- What is a good business credit score?
- Copay vs. deductible
- When is the next Powerball drawing?
- Issuer restrictions
- Whole life insurance
- Your 401(k) plan allows after-tax contributions
- April
- What’s a spousal Roth IRA?
- Flying into the unknown
- What’s not covered
- Where to avoid exchanging currency
- 5. File taxes without a W-2
- 4. Handle your taxes now
- FDIC insurance: What’s not covered
- Frugal DIY project tips
- How to get Global Entry through travel cards
- Pros and cons of U.S. preclearance
- Should I take a lump sum payment or annuity payments?
- 5. Germany
- Things to do
- 5. Earn some extra money
- States that have estate taxes, inheritance taxes or both:
- Credits
- Other coverage options
- Prepaid 529 plans by state
- The case for seller-paid discount points
- Bull markets vs. bear markets
- Amenities and other perks
- How to check your tax withholding
- Need help?
- Types of 1099 forms
- Tips for Qatar economy flights
- How much should you spend on a mattress?
- Which vehicle history report should you get?
- 6. Assuming the IRS will hate you
- Home equity loan rates in 2023
- Buy: Vacuum cleaners
- 8. Take a loan from your retirement account
- Types of REITs
- Save money as a travel agent
- What to ask before buying a used iPhone
- Spirit Airlines change fees
- What company has the cheapest Tesla car insurance?
- 4. Leverage memberships
- 4. Home Depot offers a separate card for bigger projects
- Tips for test day
- How to lower insurance rates after an accident
- Why should I open a bank account if I'm undocumented?
- Elite status
- What if I lose the cashier's check?
- How to invest in the S&P 500
- How to apply for a joint business bank account
- 3. Point values vary and redemption is needlessly complex
- Key details about Peddle
- How to choose a financial therapist
- How to invest in dividend aristocrats
- Where to find your Hyatt free night award
- How to open a brokerage account
- 7. Update your service address
- The bottom line
- Do I have to pay California state tax?
- Today’s rates for specific kinds of mortgages
- How to invest in AI stocks
- How many parks are in Disney World?
- Maintain and defend your scores
- The Bitcoin ETF price war
- How to invest in dividend stocks
- Do I pay taxes when I cash in savings bonds?
- Open your Etsy shop
- Simplified version vs. actual expense deduction
- Many in credit card debt feel stressed, worried
- How to open an ABLE account
- Is Ryanair reliable?
- Can you earn and redeem points at IHG Army Hotels?
- 3. Open an investment account
- Flood and earthquake insurance deductibles
- Deferment vs. forbearance for private student loans
- The importance of a direct 401(k) rollover
- ONE VIP Visa Prepaid Card
- Best car insurance in New York for having few customer complaints: The Hanover
- Does Medicare cover Wegovy?
- 5. Make it bigger
- Student loan discharge programs
- Bank of America® Customized Cash Rewards credit card
- The cost of flights in Avios before vs. after the change
- A word of caution
- Standard deduction 2024
- Saving for retirement as a nontraditional worker
- Calculate your reduced Roth contribution
- W-4 form 2024
- InMotion: Best for VPS hosting
- 6. Write online reviews
- Skip currency exchange: Use a credit or debit card
- Tax deductions for self-employment
- 3. EarnIn: Best for large advances
- How to find a physician loan
- More ways to take charge of your budget
- Cheap cell phone plans from brands that resell network service
- Visit discount merchants
- State farm grants
- How do corporate bonds work?
- Exceptions to IRA contribution limits
- How to find blockchain stocks
- PayPal cryptocurrency fees
- 4. Prepay your annual premium
- What are the risks of investing in an IPO?
- How to increase your net worth
- Domestic vs. international fees
- United Airlines
- Best homeowners insurance in California for consumer experience: Nationwide
- 5. You’ve had the card at least 12 months
- Other wallet options
- How do I invest my SEP IRA?
- The bottom line
- Consolidating your debt
- Reasons to eat: National Ravioli Day and Pi Day
- Already saving, ready to maximize
- 9. Borrow against life insurance
- What does the future hold?
- What states are increasing minimum wages in 2024?
- 5. Use (and hide) your phone strategically
- Your decision: Is HODL for you?
- What to do if you fail your smog test
- Coinsurance vs. deductible
- How to apply for an SBA line of credit
- 10 largest lottery jackpots
- You don’t have good enough credit after all
- Your 401(k) lets you move your after-tax money
- Best homeowners insurance in Florida for having few consumer complaints: Chubb
- Determine your annual FSA contribution
- Additional functionality
- Tax breaks for regular investors
- What’s next?
- 5. Stay vigilant about fees
- Clothes, vintage and crafts
- Google Pay
- 6. Ireland
- Optional coverage types may be worth it
- How to qualify for the earned income credit
- Watch out for capital gains taxes
- Which one is right for you?
- Step 3: Choose your lender and loan
- What about state lotteries?
- Saver’s credit rates for 2024
- How long can you get Medicare hospice care?
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- Embrace: Best for many ways to save
- Where to buy in bulk
- 5. Online savings accounts
- You must recertify your income and family size every year
- Types of life insurance trusts
- Why is the 10-year Treasury yield important?
- How to find auto deals and incentives
- Mattress-buying tips
- Is it safe to stay in an Airbnb during COVID-19?
- How much to keep in your savings account
- Urstadt Biddle Properties Inc. (UBA)
- The most valuable perks of the Hilton Honors American Express Aspire Card
- Discounts
- More about Mutual of Omaha life insurance
- Don't assume the home inspector can be held liable
- Get more help with monthly budget planning
- Book with money and miles
- Estimate your 2024 IRS tax refund date
- Venmo Credit Card
- How did NerdWallet determine the value of Skywards miles?
- Landlord responsibility for dog bites
- WooCommerce: Best shopping cart plug-in for WordPress users
- The caveats
- 5. Loyalty doesn't always pay off
- How to convert Hilton points to dollars
- How to get started with a UTMA or UGMA account
- Is United’s basic economy worth it?
- Opting for a rider
- Is there security at train stations?
- Get a credit-builder product or a secured loan
- What causes Treasury bill rates to fall?
- 4. Consider a co-signer
- How to save money on an Uber
- Figo coverage options
- Ways to earn money as a teenager
- How to earn American Airlines miles
- 6. Request more time to file
- How to check that all money in your accounts is insured
- How a financial therapist can help you overcome your fears
- How to find the right coach — maybe for free
- Do I still have to pay the IRMAA if I choose Medicare Advantage?
- 3. Keep it simple with index funds or ETFs
- Finding value (or not) with Marriott's Cash + Points awards
- 6. Track your progress and keep going
- Compare your net worth
- How are gas prices determined?
- Should I file taxes now or wait for the child tax credit expansion?
- 5. Limit claims by managing your risks
- Xoom
- The case for waiting to refinance
- Home equity loan and HELOC rates
- Where to get an airport lounge day pass
- When are New York state income taxes due?
- Should you insist on leaving a tip in Japan?
- Do you need bodily injury liability coverage?
- Foundation grants for nonprofits
- 10. Use a credit card cash advance
- Does pre-qualification affect your credit score?
- Alternatives to short-term life insurance
- 5. It covers belongings away from home
- Does Medicare cover Mounjaro (or Zepbound)?
- 6. Make it smarter
- Types of private equity investments
- Remember gift cards can expire
- What TrueBlue members need to know when flying American
- What does a bad credit score mean for you?
- Key points to keep in mind
- May
- How to open a Roth IRA in 6 steps
- What’s the difference between S&P 500 index funds and S&P 500 ETFs?
- 7. Start a blog
- What pet insurance pays for
- How the qualified business income deduction works
- What is a good deductible for car insurance?
- How do I deal with lottery taxes?
- Ways to finance your new home
- Gift tax limit 2023
- Crypto ETFs
- 4. Financing plans are available, but they come with terms
- Best life insurance company for applicants with HIV: Guardian
- How to invest in tech stocks
- Option 4: Buy your car and keep it
- Is OASDI tax the same thing as Social Security tax?
- Best insurance company for affordability: NJM
- Additional costs for international wires
- What is a good DTI ratio?
- Rising interest rates are making it harder for many to pay off debt
- Important Treasury Bond Terms
- When your interest rate matters (and when it doesn't)
- Make money with Amazon by recommending products
- Calculate the cost of deferment vs. forbearance
- How to handle these bills
- Book your travel reservations through the AARP Travel Center
- Ways to get the best home equity loan rates
- Discounts
- Federal funds rate and HELOCs
- 6. Dress appropriately for the culture
- How it all works together
- Less painful payments
- The best times to day trade
- Major changes worth noting
- Consider the costs of cashing out your 401(k)
- Who should use student loan forbearance?
- How to find the 2024 W-4
- HostGator: Best for dedicated server hosting
- LLC payroll taxes
- Frugal home expenses tips
- How to apply online for Global Entry
- Dividend aristocrats ETFs
- 7. Costa Rica
- Shop sales
- What is California's standard deduction?
- How to find AI ETFs
- Holding crypto on PayPal
- What to do if you have to file a mold claim
- Stock market crash vs. correction
- What if you’re in a Medicare Advantage plan?
- Withholding tax vs. estimated tax
- Hotels on points in Cabo San Lucas
- 3. The Electronic Federal Tax Payment System (EFTPS)
- Alternatives to spending your way to A-List status
- Market your Esty shop and products
- ABLE accounts can provide peace of mind
- A unique offering: IHG Army Hotels
- When a HELOC is a bad idea
- 11. Look for a payday alternative loan
- 4 ways to start investing
- Why you might prefer the Blue Cash Preferred® Card from American Express
- What kind of investment is Bitcoin?
- Is it safe to buy a used phone?
- How much is the SALT deduction?
- What about Tesla Insurance?
- What is a W-9 form used for?
- Best homeowners insurance in Wisconsin for consumer experience: American Family and Nationwide
- Amtrak safety, recapped
- Cashier’s check vs. certified check vs. money order
- Standard deduction for those 65 or older
- Roth IRA vs. traditional IRA
- How sole proprietors and single-member LLCs can get an EIN
- 8. Game on Twitch
- Best for emergency medical coverage: Allianz Global Assistance
- What happens when a bank fails
- 2. Certificates of deposit
- 3 ways to avoid inheritance tax
- How quickly could the IRS implement the child tax credit expansion?
- Should you use a credit card for gambling?
- Take advantage of your good credit
- 4. Using the United MileagePlus X app
- Calculating the value of the saver's credit
- Do spot Bitcoin ETFs have custodianship risk?
- Can I get my Social Security tax back if I’ve overpaid it?
- Do I have to pay New York state income tax?
- Final thoughts on tipping in Japan
- Are 10-year Treasury notes a good investment?
- 3. Get disability and life insurance
- Alternatives to savings accounts
- Pros and cons of a 401(k) rollover into an IRA
- Minimum wage increases
- FamZoo Prepaid Card
- Best car insurance in New York for ease of use: State Farm
- Credit union personal loan rates
- 6. The cost may be less than you expect
- What you’d pay out of pocket for Ozempic, Wegovy, Mounjaro or Zepbound
- The return of credit cards for gas
- Where to get roadside assistance
- 5. Opt for economy cars
- Errors
- Universal life insurance
- You’ve got money left over for savings
- How much does it cost to invest in the S&P 500?
- 5 things to know about Arizona state income tax
- Other Roth IRA rules
- Restrictions and waiting periods
- Discounts
- More from tax filing resources:
- 6. Reallocate your portfolio
- More U.S. passport photo requirements
- Brokerage accounts are taxable accounts
- How to calculate quarterly estimated taxes
- Income-driven repayment disadvantages
- Other ways to cut wire-transfer costs
- Full list of best homeowners insurance in California
- 4. Pick an investment strategy
- Making the most of auto incentives
- SEP IRA vs. Roth IRA
- Consider income-driven repayment instead
- Kite Realty Group Trust (KRG)
- Consumer complaints
- Language
- How to increase your pre-qualification amount
- 7. Buy a local SIM card to avoid high roaming costs
- How to pay for improvements that increase value
- Where's my 2024 state tax refund? Track your status
- What's next?
- How the 9 states with no income tax stack up
- Form W-9 vs. W-4
- Credit unions and banks that don’t require Social Security numbers to open an account
- Best for using a Hyatt free-night certificate: Hyatt House LAX/Century Blvd
- Next Steps:
- 2023 state income tax rates and brackets
- 9. Sell photography
- Which card is right for you?
- 4. It offers a 10% discount on shore excursions
- 4. Varo: Best for existing bank customers
- How do I find out if the Medicare IRMAA applies to me?
- Seek long-lasting products
- Step 4: Gather loan documents
- Who should avoid United Airlines?
- If you're considering booking Delta Air Lines premium economy
- What to keep in mind about a day pass
- The importance of tax withholding
- 6. High-yield checking accounts
- HELOC tips for retirees
- On-time performance
- How much can you borrow with a home equity loan?
- Consumer complaints
- 12. Get a personal loan
- What is the median household income in the U.S.?
- What to expect: Delta Comfort Plus
- How to choose between an LLC and a corporation
- OpenCart: Best online shopping cart to add to an existing website
- The catch: Your health plan's network
- What else you need to know
- Day trading risk management
- 5. Use collateral to secure the loan
- Do I have to update my W-4 every year?
- Full list of the best homeowners insurance in Florida
- EveryDollar, for simple zero-based budgeting
- PayPal
- 8. Greece
- How to use a Hyatt free night award
- Things to consider
- What part of my income gets taxed by California?
- Gift tax limit 2024
- Requirements: Who qualifies for the child tax credit?
- Selling crypto on PayPal
- Stopping mold before it starts
- Don’t pay for advance seat selection
- How do you buy Vanguard Index fund shares?
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- Southwest Airlines
- Maximum and average DTI ratios by mortgage type
- What you can do if you have credit card debt
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- Consumer experience
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- Use miles to book hotels
- Get bonus United miles when you transfer Marriott points
- Pros and cons of personal loans
- 3 tips to control central air conditioning installation costs
- Use a co-signer
- June
- Contributing too much to a Roth
- Exchange frequently? Consider a multicurrency account
- Can I take my own passport photo?
- Ex-dividend dates
- Who counts as a qualifying child for the earned income credit?
- Some helpful links from the IRS
- Types of gas
- 5. You won’t want to carry a balance
- If you want to buy Disney tickets for cheap
- Who should get a home equity loan
- Can you stop Medicare hospice care?
- IDR waiver will count past payments toward forgiveness
- How do you buy 10-year Treasury notes?
- Make money on Amazon without selling stuff
- Consumer experience
- Getting the most from your pre-qualification limit
- How to get a tax refund sooner
- Form W-9 vs. W-2
- It’s just business
- How can I avoid cashier's check fraud?
- Cloudways: Best for cloud-based web hosting
- 10. Pet sit
- Figo pet insurance rates
- The bottom line
- Consumer complaints
- 3. Bonds
- Cost
- Best life insurance company for consumer experience: Northwestern Mutual
- Secure 2.0 changes: Saver's match
- The importance of diversification
- What do the approvals mean for Bitcoin?
- What is New York state's standard deduction?
- Other home office deduction rules and considerations
- How much does homeowners insurance cost in California?
- Final thoughts on Qatar economy class
- How to minimize the tax impact of a bonus
- Quick tips for a safer Airbnb stay
- Repayment options for federal and private loans in default
- 13. Rent out a room
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- 6. Stick to one driver
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- Bottom line
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- How to evaluate dividends
- Is a reverse mortgage worth it?
- 5. It's relatively fee-friendly
- Electronics
- Dress code for a passport picture recapped
- 9. Denmark
- Buy in bulk
- 4. Get help managing your money
- How the lifetime gift tax exclusion works
- Could we be in an AI bubble?
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- MoneyGram
- If you’re considering flying United Airlines …
- Cheaper ways to send money
- How much bodily injury liability coverage do you need?
- Should you fly with Ryanair?
- SIMPLE IRA vs. SEP IRA
- InvenTrust Properties Corp. (IVT)
- Home equity loan requirements
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- 8. Join solo female traveler Facebook groups
- Full list of the best car insurance in NY
- How to get a loan from a credit union
- Calculating capital gains tax on a home sale
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- Tips for calculating how much life insurance you need
- How to adjust your Form W-4
- More Florida home insurance companies
- 11. Do freelance work
- Consumer experience
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- Domino's franchise pros and cons
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- 6. Find the right lender
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- The bottom line
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- Which card should you get?
- Fees to check in and obtain your boarding pass for your Spirit flight
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- July
- 5. Dave: Best for repayment flexibility
- 10. South Korea
- Getting there
- Depreciation examples
- What are the best Vanguard index funds?
- Am I a resident for New York state income tax purposes?
- 4. Debit card
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- Alaska Airlines
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- Next Steps
- 5. Understand your investment options
- 14. Moonlight as a dog sitter
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- 7. Use your own insurance
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- Final thoughts on Hyatt vs. Hilton
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- Venmo
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- Step 5: Submit your application and get funded
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- What's next?
- The bottom line
- Other home insurance companies to consider
- Finally, enjoy your travels
- Why you can trust NerdWallet
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- 12. Create a podcast
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- 15. Become a rideshare or delivery driver
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- Types of online shopping carts
- Should you choose an LLC or a sole proprietorship?
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- When can't you take the standard deduction?
- Discounts
- The bottom line
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- Sending crypto to another PayPal user
- Best life insurance company for coverage amounts: New York Life
- The cheapest home insurance in California
- Rebates and incentives can bring down prices
- Walmart MoneyCard
- Protections: Peace-of-mind benefits
- If you’d like to become a travel agent
- Best for simple overnights: Holiday Inn Los Angeles LAX
- Empower Personal Dashboard, for tracking wealth and spending
- 13. Become a rideshare or delivery driver
- Home shopping tips
- What is a no-credit-check loan?
- FDIC insurance limits and ownership categories
- Is Global Entry worth it?
- How to buy corporate bonds
- Can’t afford income-driven repayment?
- How much money can you make on YouTube?
- Is Amazon Prime worth it?
- Other home insurance companies to consider
- 16. Cut your insurance premiums
- Will you owe capital gains taxes on your home sale?
- Other ways to use your Alaska Airlines miles
- Fees to select a seat ahead of time
- 8. Forgo the extras
- Mutual funds: The bottom line
- Figuring out how much you need to save
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- August
- Stock market crashes in history
- State availability
- Other home insurance companies to consider
- The cost of veterinary care
- Hyatt Pay My Way
- Can I appeal the Medicare IRMAA if I don't think it applies to me?
- The bottom line
- How to claim the child tax credit in 2024
- Should you invest in AI stocks?
- Understanding depreciation in business and accounting
- Figo: Best pet insurance for cats
- What do the approvals mean for other crypto investments?
- Top off your Marriott Bonvoy account with United miles
- Earning reciprocal benefits on JetBlue and American Airlines flights
- How much does homeowners insurance cost in Wisconsin?
- LLC tax forms and deadlines
- If you’re looking for cheap award flights to and within Australia
- 6. MoneyLion: Best for existing customers
- 5. Incrementally raise your savings rate
- Hilo vs. Kona recapped
- Lounge benefits
- Western Union
- How to pay estimated taxes
- Bottom line: Is Spirit Airlines a good airline and should you fly them?
- Pros of investing in REIT stocks
- Shopping protections
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- Get credit for the bills you pay
- How much is my 2023 standard deduction?
- Burial insurance
- How much does homeowners insurance cost in Florida?
- 14. Tutor
- Ways kid creators can earn online
- Walmart2Walmart
- Find the Hyatt that's best for you
- Consequences of an EIC-related error
- PayPal cryptocurrency alerts
- What you can learn from the average 401(k) balance
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- The bottom line
- Medigap plan types
- Types of stock charts and how to read them
- Federal Realty Investment Trust (FRT)
- How to avoid capital gains tax on home sales
- How to get a personal loan
- Final thoughts on the different United economy fare classes
- What is credit card consolidation?
- Final thoughts on Cash + Points redemptions
- Can you cruise without a passport?
- Using depreciation to plan for future business expenses
- DTI isn't a full measure of affordability
- What you need to know about California homeowners insurance
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- 17. Consolidate your debt
- 9. Price out prepaid gas
- Consumer experience
- After deciding
- Are dividends taxed?
- Options trading examples
- How much is the gift tax rate?
- Does the president control gas prices?
- Does PayPal offer tax forms?
- If you’re trying to compare Disney World vs. Disneyland size
- Which small business internet service is right for you?
- Compare car insurance rates by driver history
- Cons of investing in REIT stocks
- Next steps
- How can credit cards and elite status improve your overall experience?
- The bottom line
- Additional help
- Are there drawbacks to investing in the S&P 500?
- September
- When to expect your child tax credit refund
- Best life insurance company for permanent life insurance: Pacific Life
- 5. Credit card
- Earn an audience, and earn more in the long run
- Best insurance company for having few customer complaints: American Family
- JetBlue Airways
- Fees for in-flight refreshments
- Additional resources for people previously convicted of a felony
- How to collect Iberia Avios
- Average cost of homeowners insurance in Wisconsin by city
- Best for families: Embassy Suites by Hilton Los Angeles International Airport North
- 15. Rent out items
- Best for those who pack expensive equipment: Travel Insured International
- Is consolidating credit card debt a good idea?
- Next steps
- Hotel-friendly benefits
- Frequently asked questions about estimated tax payments
- Types of financial planning help
- 18. Refinance your student loans
- How to choose an online shopping cart
- 10. Walk or ride
- The bottom line on how to prepare for a stock market crash
- Average cost of homeowners insurance in Florida by city
- LLC tax tips for business owners
- Examples of FDIC insurance limits and coverage
- 7. SoLo Funds: Best for peer-to-peer cash advances
- How to get maximum value from Hyatt free night awards
- Can I still get a past year's earned income tax credit?
- What protections does PayPal offer?
- Depreciation and taxes
- Stay at a Marriott beach resort with points
- Kimco Realty Corp. (KIM)
- Investing in REITs: How to get started
- Practical matters
- Low-fee alternatives to prepaid cards
- Why insuring a Tesla is so expensive
- Practice good credit habits
- 2023 vs. 2024 standard deduction
- W-4 calculator
- 16. Use cash back apps
- Alternatives to pet insurance
- Types of FIRE
- How does the Israel-Hamas war affect gas prices?
- If your DTI is high
- 19. Change your cell phone plan
- Travel protections
- In-cabin pet fee
- Western Union
- California state tax credits
- 4. Money market funds
- How to avoid gift tax
- Consequences of a child tax credit error
- Other ways to make money
- Taxes on bonuses: The bottom line
- Final thoughts on the United-Marriott RewardsPlus status match
- Overall, the changes to the Iberia Plus American Airlines award chart are disappointing
- The cheapest home insurance in Wisconsin
- Best hotel to escape the airport: AC Hotel by Marriott
- Other types of life insurance
- October
- Why is homeowners insurance so expensive in Florida?
- PocketGuard, for a simplified budgeting snapshot
- Figo vs. competitors
- Tips for making money as a kid
- Hawaiian Airlines
- Avoid risky loans
- How taxes on real estate, rental, and investment sales work
- When to claim the standard deduction
- Investing
- Priority boarding and security access
- Benefits and drawbacks of forming an LLC in California
- What else to know about Form W-4
- Why trade options?
- The bottom line
- 3 best cold wallets
- Best life insurance company for customer satisfaction: State Farm
- How to choose among the best ways to send money internationally
- If you want to travel to Cabo with points and miles …
- Armada Hoffler Properties (AHH)
- Do you need roadside assistance coverage?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- What if you're not eligible?
- 8. Klover: Best for no-fee advances
- State child tax credits
- How much does it cost to become a life coach?
- What to know about Wisconsin homeowners insurance
- Things to consider about loans with no credit check
- Corporate grants for nonprofits
- If you’re considering an upgrade from Delta Comfort Plus to Premium Select
- Is there an over-55 home sale exemption?
- Unaccompanied minor fees
- Check your credit scores and reports
- Different types of life insurance by underwriting
- November
- 5. Mutual funds
- NYC income tax rates
- 6. Same-day wire transfer
- Best insurance company for financial strength: Auto-Owners
- California Department of Insurance
- How long should an executive summary be?
- Types of business licenses: Federal licenses and permits
- Alternatives to the best burial insurance
- Practical matters
- Best for adventurous travelers: World Nomads
- Veteran farm grants
- Services
- What is the $500 credit for other dependents (ODC)?
- OK, what's next?
- What are tax deductions?
- What to know about Florida homeowners insurance
- So, is pet insurance worth it?
- Best stocks for beginners
- Zelle:
- Looking for more insurance in California?
- Final thoughts on the best flight booking site
- Brixmor Property Group Inc. (BRX)
- More resources
- Cash App debit card: Prepaid-like option
- Child tax credit vs. child and dependent care credit
- Why is financial planning important?
- The bottom line
- Bundle packages
- More about top-rated life insurance companies
- Bottom line on forming an LLC in California
- Which LAX airport hotels to avoid
- What are the Roth IRA rules?
- Limitations of FIRE
- Home purchasing tips
- Which program offers the best award rates
- What to avoid in an executive summary
- The bottom line on how to read stock charts
- Pros and cons of loan apps
- 6. Index funds
- Mortgages
- Best life insurance company for older applicants: AARP
- MetLife: Best pet insurance for dogs
- Best prepaid debit cards: Summary
- What's next?
- December
- Honeydue, for budgeting with a partner
- How to shop for no-credit-check loans
- What are prepaid debit cards?
- The bottom line on investing in stocks
- How to find out if your bank is FDIC insured
- What does a 1099 employee mean?
- Regency Centers Corp. (REG)
- Do I need additional travel insurance?
- Next steps
- How to track your California state refund
- 7. Check, money order or cashier’s check
- What to know about the best ways to send money
- Alternatives to farm grants
- 6 things to know about New York state income tax
- Best insurance company for discounts: Amica
- The bottom line
- Prime Visa
- What are tax write-offs?
- Best for medical coverage: Travelex Insurance Services
- No-credit-check loan alternatives
- Best term life insurance companies of 2024
- Wisconsin insurance department
- Which type of life insurance should you get?
- Is the Hilton Honors American Express Aspire Card worth it?
- Prepaid debit cards vs. regular debit cards
- Types of business licenses: Licenses and permits for home-based businesses
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- 7. Exchange-traded funds
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- Best no medical exam life insurance companies of 2024
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- 11. Real estate
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- How much does it cost?
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January
With a fresh page on the calendar comes a fresh start for sales. These items are discounted in January:
Bedding and linen. Department stores hold bedding and linen “white sales” in January with deep discounts on sheets and towels.
Fitness equipment. Retailers will meet goals to get in shape with decent deals. Expect workout gear and apparel sales to abound at sporting goods stores. (Tip: Tread lightly on a treadmill purchase unless you're sure you’ll use it. It’ll always be cheaper to walk around the block.)
TVs and electronics. Just before the Super Bowl, retailers normally discount TVs and other home theater essentials.
Mark your calendar: Martin Luther King Jr. Day is Jan. 15.
Freebie day: National Spaghetti Day is Jan. 4.
February
It’s the month of love and gift-giving, but February might be a better time to buy major items for yourself than trinkets for your loved one. Options include:
TVs. Television sales spill over from January into February ahead of the Super Bowl. Aside from Black Friday, this is one of the best times to buy a TV.
Winter items. With winter winding down, retailers will be looking to unload inventory of cold-weather products. Look for sales on apparel and winter sports gear that you'll need later in the year.
Home goods. Expect retailers to put home stuff on sale for Presidents Day and the weekend preceding the holiday.
Leftover chocolate. The savvy couple does Valentine’s Day a week late to save a buck. Grab a heart-shaped box of candy on Feb. 15, when stores will be discounting their Valentine’s Day leftovers. It’ll be easier to get a dinner reservation after Feb. 14 too.
Mark your calendar: Super Bowl Sunday is Feb. 11, Valentine's Day is Feb. 14 and Presidents Day is Feb. 19.
Freebie day: National Frozen Yogurt Day is Feb. 6.
March
There aren’t any major shopping holidays in March, but that doesn’t make for a total lack of sales. Look for deals on these products:
Tax software. Retailers like to discount tax software in March, ahead of Tax Day in April.
Grills. Buy your summer grilling necessities now to avoid a spike in prices when summer arrives.
St. Patrick’s Day essentials. Around St. Patrick’s Day, online retailers and department stores usually discount green clothing, party supplies and jewelry.
Vacuum cleaners: Some retailers will be ready to reward early spring cleaners with a deal on a Dyson, Shark or other brand of vacuum.
Mark your calendar: St. Patrick’s Day is March 17 and Easter Sunday is March 31.
Freebie day: Pi Day is March 14, because 3.14 (get it?).
April
April has its fair share of spring deals and discounts, including:
Vacuums. April is the real cleaning month and will bring more deals on vacuums. Look for markdowns at department stores as well as on manufacturers’ websites.
Tax-themed items. Year after year, retailers and restaurants try to lighten the burden of Tax Day with discounts and freebies on services like paper shredding. Keep an eye out for these around mid-April.
Beauty products. Time to get outside and look your best. The Sephora spring sale is usually this month.
Sustainable items. To celebrate Earth Day, be on the lookout for retailer deals on sustainable items, such as reusable totes and water bottles, sustainably made clothing and other “green” products. Is this the year you start composting? We support that.
Mark your calendar: Tax Day is April 15.
Freebie day: Earth Day is April 22.
May
April discounts give way to more in May. Here’s a look at some items to consider buying this month:
Spring apparel. By May, retailers will discount spring clothing that has already been hanging on racks for a month or two.
Furniture. Three of the biggest blowout shopping days are Black Friday, Labor Day and Memorial Day. Memorial Day is in May, so look for furniture and home decor discounts from big-box stores.
Small kitchen appliances. Use May discounts as an opportunity to buy small kitchen appliances, such as coffee makers and blenders. Typically, these products are included in Memorial Day sales, and they make great gifts for upcoming summer weddings.
If last year’s shopping research is any indication, prices on select kitchen gadgets could drop the Friday before Mother’s Day.
Mark your calendar: Mother’s Day is May 12 and Memorial Day is May 27.
Freebie day: National Hamburger Day is May 28.
June
June is short on days, but long on the list of deals. Smart purchases include:
Lingerie. Stock up on undergarments in June. That’s when Victoria’s Secret, for example, has been known to host its famous semiannual sale. The sale also typically occurs in December.
Other semiannual sales. The midway point is known for sales at lots of stores. In past years, we’ve seen stores like Bath & Body Works and Brooks Brothers hold semiannual sales in June.
Gym memberships. Consider buying a gym membership during the summer, and be sure to negotiate for the best deal. Gyms may be eager for sign-ups when people are more likely to spend time outside.
Tools and other dad gifts. In preparation for Father’s Day, many retailers will offer deals on a variety of power tools and outdoor gear, as well as things like men’s clothing. Solo Stove has discounted its portable fire pits around this time in the past.
Mark your calendar: Father’s Day is June 16.
Freebie day: National Doughnut Day is June 7.
July
In July, prices drop like it’s hot. Consider buying these:
Summer apparel. The sun is still out, but demand for summer clothes starts to go down. So, buy up shorts, tanks and flip-flops while stores make it worth it. Buy only what’s on sale, though.
July Fourth items. Retailers like a reason to celebrate. In the days leading up to Independence Day, there’s usually an abundance of sales on red, white and blue products, as well as on barbecue and backyard items, sporting goods, jewelry and furniture.
Personal electronics on Prime Day. Amazon’s Prime Day happened on July 11 and 12 in 2023, so you can likely expect similar timing in 2024. It’s basically Black Friday in July, and it’s a hot sale for electronics and gadgets, among other categories. It also drives other retailers to compete with copycat sales.
School supplies. Kids won't want to think about the end of summer yet, but retailers start putting school supplies on sale in late July. If you have supply lists in hand, shopping back-to-school early can help you avoid the August rush.
Mark your calendar: Independence Day is July 4.
Freebie day: National Ice Cream Day is July 21 and National Lipstick Day is July 29.
August
Close out summer by buying summer products? That’s right. Look for end-of-season clearance sales in August on:
Back-to-school supplies. The start of school marks the need to buy low-cost items such as notebooks and pencils and more expensive ones like calculators and laptops. Generally, the closer to the start of the school year you buy, the better your chances of getting a good price.
Backyard products. Ride out the end of summer with a big deal on lawn mowers and other seasonal outdoor equipment, like a grill.
Swimsuits. There may not be many swimming days left by the time August rolls around, but that’s exactly why swimsuit clearance sales will crest. Buy swimsuits now for next year.
Tax-free shopping. Back-to-school can be expensive. However, to aid in the purchase of school supplies, clothes, personal computers and other approved necessities, many states offer a tax-free weekend. If yours does, check the date and have your list ready.
Mark your calendar: For many school districts, the first day of school is in August.
Freebie day: National Waffle Day is Aug. 24.
September
With deals on items as varied as mattresses and pool toys, September is a surprising month for good buys. Score reasonable prices on these:
Mattresses. Year after year, September is a good time for mattress sales. Expect deals from department stores and mattress centers, usually as a part of Labor Day promotions.
iPhones. Apple often announces its latest iPhone lineup and other products in September. The unveiling is usually followed by a drop in prices on the models that have been around awhile. Check out used iPhones around this time too.
Appliances. Expect a series of blowout deals in the week leading up to Labor Day, including promotions on appliances big and small.
Mark your calendar: Labor Day is Sept. 2.
Freebie day: National Cheeseburger Day is Sept. 18.
October
Retailers won't ghost you in October. There will be plenty of deals on these product categories:
Outdoor furniture. Expect deals on patio furniture and outdoor living products when the weather turns cool.
Jeans. Fall inventory arrives in stores in August and September, but you’ll pay top dollar unless you wait a few weeks. October is a great time to buy a new pair of jeans.
Candy. The closer you get to Halloween, the better your chances of snagging a discounted bag of candy for trick-or-treaters.
Holiday gifts. Amazon has held a Prime Day-like shopping event in October for the past two years. The multi-day event sparked similarly-timed sales from retailers like Target, Walmart and Best Buy and featured deals that rival Black Friday and Cyber Monday. These events have made early October a top time to buy gifts or things you need for yourself.
Mark your calendar: Columbus Day and Indigenous Peoples Day are Oct. 14 and Halloween is Oct. 31.
Freebie day: National Taco Day is Oct. 4 and National Dessert Day is Oct. 14.
November
November is the real month for Black Friday sales, which means some of the most popular technology products fall to their lowest prices. Expect most retailers to offer some kind of deal on products in nearly every category — not just on Black Friday, but throughout the month.
Electronics. Gadgets like TVs, tablets and laptops take center stage during Black Friday sales. Look for discounts on headphones, smart speakers and activity trackers, too.
Clothing. November has to be the busiest month for clothing catalogs. Scan the brands you like for discounts, and shop stores like Gap, Land’s End and American Eagle directly online for surprise coupon codes.
Streaming subscriptions: As if you need another password to remember, November has become a great time to sign up for a new streaming service. Popular content providers like Hulu and Paramount+ have offered solid subscription discounts during extended Black Friday sales in the past.
Mark your calendar: Thanksgiving is Nov. 28 and Black Friday is Nov. 29.
Freebie day: National Sandwich Day is Nov. 3.
December
The end of the year is just the beginning of discounts in some product categories. Look for sale prices on these items in December:
Electronics. Those Black Friday electronics deals from late November will spill over into the new month.
Small kitchen appliances. Cyber Monday 2024 falls on Dec. 2, and it’ll likely be a great time to get an air fryer. NerdWallet monitored prices on 10 popular products during every major sale of 2023. Each of the three kitchen gadgets on our list — an air fryer, stand mixer and coffee machine — hit low prices on Cyber Monday.
Toys. Toys are popular holiday gifts, and stores generally drop prices as the season draws to a close. Look on Black Friday but buy in December.
Christmas decorations. Beginning the day after Christmas, shop sales for deep discounts — often upward of 50% — on decorations, wrapping paper, ornaments, artificial trees and similar seasonal fixings.
Mark your calendar: Christmas is Dec. 25. Hanukkah starts Dec. 7.
Freebie day: National Cookie Day is Dec. 4.