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.
- IRA vs. 401(k)
- What is a bond market crash?
- What's an adjustable-rate mortgage?
- What is ESG?
- What is an overdraft protection transfer?
- How to earn a Chase checking account bonus
- What is a lady bird deed?
- What is a W-4?
- 6 steps to opening a Roth IRA
- Definitions: Money Transfer Rates
- Dividend definition
- See CD rates by term and type
- Can you pay the mortgage with a credit card?
- Life insurance buying guide
- Quick tips for where to exchange currency
- 5 Best Ways to Send Money Internationally
- 1. Use your credits
- 2. Maximize any bonuses linked to spending
- 3. Review free trials that may be expiring
- 4. Consider dusting off unused credit cards
- 5. Look behind to plan ahead
- What is a 1099?
- How much should you tip your hairdresser?
- Determining how much mortgage I can afford
- What is passive income?
- The difference between Roth and traditional IRAs
- Hawaiian Airlines checked bag fees
- What is the Fed funds rate?
- How much is an oil change?
- What are dividend stocks?
- What is Etsy?
- About Travelers home insurance
- Stocks
- How to get paid on TikTok
- 401(k) contribution limits 2023
- Target Circle Week 2024
- What is an index fund?
- Can you withdraw money from a 401(k) early?
- 7 best-performing AI stocks
- Choosing an IRA vs. a 401(k)
- How to start an LLC in Texas
- Why did the Treasury bond market crash in 2022 and 2023?
- How much is a speeding ticket in California?
- What's the best S&P 500 ETF?
- 1. Report lost debit cards ASAP
- 7 of the best apps to make money
- Food and drink
- 1. Not figuring out how much house you can afford
- Key findings
- Institutions with low or no overdraft fees
- Does Singapore Airlines have Wi-Fi?
- What is an interest-only mortgage?
- What does APY mean?
- What are stock options?
- How to get paid on YouTube
- Decide what fees make sense for you
- How much should you spend on rent? It depends
- What is a CD early withdrawal penalty?
- How to use a savings goal calculator
- What are closing costs?
- 1. Start investing as early as possible
- Home business ideas
- 1. Make extra payments toward the principal
- 1. Open an IRA
- Things to know about flying Southwest and its loyalty program
- What is Prime Day?
- What is the child tax credit?
- Vending machine costs
- What is a mortgage underwriter?
- What is OpenAI?
- How to value a small business
- What is earned wage access?
- How does leasing work?
- When will the IDR adjustment happen if I don’t get automatic forgiveness?
- General advice for international money transfers
- Average car loan interest rates by credit score
- You can temporarily self-report income
- Key findings
- The best car insurance
- How to estimate your home insurance
- Frugal food tips
- Why is having a low credit utilization important?
- How much can you contribute to a 401(k)?
- CD early withdrawal penalty calculator
- How do CDs work?
- Best-performing U.S. equity mutual funds
- Down payments: Quick tips and more resources
- What does this value mean?
- What rights do you have when your car is being repossessed?
- 50/30/20 budget calculator
- What is a DUNS number?
- What is credit card processing?
- 401(k) contribution limits 2024
- FuboTV cost per month
- What is Target Circle (the free one)?
- Booking hotels through American Airlines
- Who can get a business credit card?
- January
- Chase checking account bonuses 2024
- Average savings account rate: 0.46%
- Can I get my miles back if I change or cancel my award flight?
- 1. Refinancing your car
- Best fleet fuel cards
- When to refinance your car loan
- Pros of electric cars
- What does 50,000 Marriott points get you?
- How is overdraft protection different from overdraft coverage?
- Index fund vs. mutual fund
- 17 passive income ideas for 2024
- How to find a currency exchange near you
- How does a lady bird deed work?
- Book short nonstop Delta flights via Virgin Atlantic Flying Club
- Best day to book a flight
- What does a business use for collateral?
- How to earn Free Spirit points
- Who sets the Federal funds rate?
- Best ways to consolidate credit card debt
- Site-built, detached single-family houses
- Summary: The best places to save money and earn interest
- Options for getting a higher credit limit
- A
- 1. A $10 statement credit
- How to spot origination fees
- What is the gift tax?
- How to consolidate your debt
- Shopify vs. Etsy: Deciding factors
- What is a business credit report?
- Small-business grants for veterans
- How a balance transfer could hurt your credit score
- How to start a consulting business in 9 steps
- What does a CD early withdrawal penalty cost?
- How to send money online, on mobile or in person
- What is the 401(k) early withdrawal penalty?
- When is Prime Day 2023?
- 1. Don’t assume any one company is the cheapest
- The best money-making apps
- How much of my credit card should I use?
- Travel trends among U.S. travelers
- Roth vs. traditional IRA
- Wise
- How to make money online
- Women are less likely to manage their own investments
- What is an overdraft fee?
- Oil change prices at chain shops
- Merchants push for lower fees
- Banks that offer joint business accounts
- Summary of cash advance apps
- Conceptualize and research your Etsy idea
- They differentiate their business
- Breakdown of central air costs
- Find out how much your car is worth
- How to invest in stocks in 6 steps
- How the cards compare
- Blue Cash Preferred® Card from American Express: Best credit card for groceries
- How do index funds work?
- What are the risks of over-the-phone credit card transactions?
- How much are closing costs?
- What is a 1099 form used for?
- At a glance
- Do you have to tip a hairdresser?
- ARMs vs. fixed-rate mortgages
- How long does underwriting take?
- Differences between mutual funds and index funds
- How does earned wage access work?
- Most parents don’t plan to have more children
- What is the current Fed interest rate?
- How to lower your credit utilization
- What happened at the MOHELA Senate hearing
- Understanding your required coverages
- How to pay your mortgage with a credit card
- 20 high-dividend stocks
- Cheapest cars to insure among popular models
- Colonial Penn life insurance
- 1. A high-yield online savings account that earns 4% or more
- How employee stock options work
- What is the 50/30/20 rule?
- Where Shopify wins
- Ways to avoid seat selection fees
- Cheap car insurance
- What reasons can you withdraw from your 401(k) early?
- How much is the child tax credit worth?
- Is another Treasury bond crash imminent?
- How to choose an S&P 500 ETF
- Chase College Checking℠: $100 bonus
- 2. Getting just one rate quote
- How to fill out a W-4
- What to know before leasing a car
- How much IDR credit will I get?
- NerdWallet's car insurance estimator
- What you'll need to apply for income-driven repayment
- What are dividend stocks and why buy them?
- Think about how much you'll need in retirement
- Calculator assumptions
- How a higher credit limit can help you
- Where Travelers stands out
- Bank wire transfer
- Who needs a DUNS number?
- Work out how much of your income should go to rent with the 50/30/20 rule
- Best car insurance in Florida overall: Travelers
- Can I get my points back if I cancel my hotel reservation?
- 2. Refinance if you have good credit and a steady job
- When is Amazon Prime Day October?
- The largest banks in the U.S.
- How to start a vending machine business: A step-by-step guide
- The mortgage underwriting process
- How much money do I need to buy a house?
- Can you buy OpenAI stock?
- What types of accounts can be linked for overdraft protection?
- Billing error
- Best place to exchange currency: Your bank or credit union
- Roth vs. traditional IRA: How to choose
- Best day to fly
- Business loan collateral requirements
- Frugal shopping tips
- Conventional vs. synthetic
- 1. Brigit: Best for budgeting tools
- Who can qualify for an interest-only mortgage?
- How to convert Skywards miles to dollars
- Best car insurance in Utah overall: Travelers
- How to compare lender fees and rates
- Factors that go into your business credit score
- Request an offer, then consider it
- Does my employer match count toward 401(k) limits?
- Best affordable homeowners insurance in Pennsylvania: Erie
- What is Target Circle 360 (the paid one)?
- Why the Chase Sapphire Reserve® wins by a nose
- Booking hotels through Delta
- Why invest in index funds?
- 2. Sell or trade in your car
- Why you might want the Delta SkyMiles® Gold American Express Card
- ESG investing
- Are auto loan interest rates rising?
- Condos
- They have a layout strategy
- 2. Immersive experiences
- How the annual gift tax exclusion works
- Bonds
- An early withdrawal’s other cost: future interest forfeited
- Why you might want a business credit card
- February
- Who gets a 1099?
- Is an ARM a good idea?
- 2. Don’t ignore local and regional insurers
- How to get Public Service Loan Forgiveness
- Cheap car insurance in Florida
- 2. Account frozen? Submit documentation
- Is 0% credit utilization bad?
- Some non-parents don’t plan to have kids because of the cost
- Singapore Airlines Wi-Fi cost
- No-penalty CDs: the big exception
- Investing for income: Dividend stocks vs. dividend funds
- How to choose the best mutual funds for you
- Colonial Penn life insurance policies
- Where Travelers falls short
- Debt consolidation calculator
- How does credit card processing work?
- Can I max out both my 401(k) and Roth 401(k)?
- Trading in a car with positive equity
- Booking hotels through United
- Key features of IRAs vs 401(k)s
- 1. Chase: $2.61 trillion
- Are there exceptions to the 15%-20% rule?
- Bond risks
- What to do after you get a speeding ticket in California
- How to qualify for an earned wage access service
- Overdraft protection
- Fees for checked surf, kite, paddle and wake boards
- How does the value of Skywards miles change when booking business class?
- Checking your business credit score
- How to determine your closing costs
- Historical national rates
- 2. Set financial priorities
- What do you need to do?
- 3. Ask about discounts
- Pros and cons of a lady bird deed
- First things first: Check your IRA eligibility
- How to estimate car insurance costs
- How to use average car interest rates
- How we got here
- What to consider
- Think carefully before requesting a higher limit
- C
- State availability
- What is the Target Circle™ Card (the plastic one)?
- Is it worth it?
- How a balance transfer can help your credit score
- How much rent can you afford?
- Know your protections
- Requirements: Who qualifies for the child tax credit?
- What mortgage can I afford?
- Can you use a credit card for overdraft protection?
- 3. Ask your bank for relief
- Another money-change option: online currency converters
- 3. Not checking credit reports and correcting errors
- About 7 in 10 women learned how to choose investments
- Lube shops vs. dealerships
- Dividend vs. growth stocks
- An IRA might be a better option
- Factors to consider when paying a mortgage with a credit card
- How to calculate APY
- Can you negotiate mortgage origination fees?
- How to get a DUNS number
- Are there income limits for 401(k)s?
- Best car insurance in Florida for your budget: Geico
- See CD rates by bank
- What is an index?
- How to apply for a business credit card without a business
- What are AI stocks?
- Can travel insurance help recoup my miles and points?
- 3. Lease a car
- Should you refinance?
- ESG investing benefits
- Cheapest for 20-year-old drivers
- You only need one S&P 500 ETF
- Chase Secure Banking℠: $100 bonus
- Child care eats up a significant percentage of income for many
- How car models affect insurance rates — down to the trim
- Typical uses for an interest-only mortgage
- Best Utah car insurance for your budget: Auto-Owners
- They know their neighborhood and its residents
- When debt consolidation is a smart move
- You can ask for offers all year
- What CD early withdrawal penalties cost at some big banks
- March
- 2. Decide how much to invest
- Do I need a 1099 to file my taxes?
- What do you tip if you’re unhappy with the result?
- How to prepare for a bond crash
- Why is OpenAI in the news so often?
- Popular earned wage access companies
- How to benefit from the account adjustment
- OFX
- Overdraft fees by institution
- Does Singapore Airlines have free Wi-Fi?
- Frugal entertainment tips
- 2. Empower: Best for fast cash
- Tip about banks vs. credit unions
- Townhouses
- When is the best time to book with points on Emirates?
- 3. Exclusive merchandise for purchase
- What happens when you get your car repossessed?
- Cash App
- Best homeowners insurance in Pennsylvania for coverage: Openly and Erie
- Best car insurance companies: Our winners
- Trading in a car with negative equity
- Should you sign up for Target Circle?
- Average interest checking account rate: 0.08%
- How to claim the child tax credit
- IRA vs. 401(k): A road map
- Types of adjustable-rate mortgages
- Regret or user error
- 4. Monitor bank transactions online
- How credit utilization affects your scores
- Factors at play
- Book domestic Delta flights via Flying Blue
- Best car insurance companies: Our winners
- What happens when the Fed raises interest rates?
- How are dividends paid out?
- Travelers home insurance coverage
- When to exercise stock options
- DUNS number vs. EIN: What’s the difference?
- Fubo add-ons
- How to meet your monthly savings goal
- Closing costs calculator
- Why you might want the Chase Sapphire Preferred® Card
- 4. Work on your credit
- Things to consider when using overdraft protection
- Where to exchange currency outside the U.S.
- 4. Making a down payment that's too small
- Factors that affect the cost of car insurance
- What happens after you apply for income-driven repayment?
- How to avoid checked bag fees on Hawaiian Airlines
- What it means for your money
- Who can open a joint business account
- Average mutual fund return
- What's next?
- What to do after a repossession
- Comparing stocks and bonds
- Chase Freedom Flex℠: Best credit card for bonus cash back
- What you can do to protect yourself
- 2. Bank of America: $2.34 trillion
- Average car insurance rates after a speeding ticket in California
- Glossary of overdraft terms
- Avoiding the upsell
- Exceptions to state minimum car insurance requirements
- No guarantee that savings will be passed on
- Co-ops
- 2. An interest-bearing checking account that earns 1% or more
- Gift tax limit 2024
- Where Etsy wins
- Think twice before canceling
- Can I have a 401(k) and an IRA?
- Strategies to avoid a CD penalty
- Who pays the closing costs?
- 3. Enroll in autopay
- What's next?
- 5. Know the bank’s timeline
- How do you set up a lady bird deed?
- How to get a business loan without collateral
- 401(k), IRA, Roth: Know the tax impact
- CD early withdrawal penalties at banks and credit unions
- Pros and cons of an interest-only mortgage
- How flexible are Emirates Skywards miles?
- What’s needed to process credit cards?
- Does the cost of FuboTV fit into your budget?
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- How much do index funds cost?
- Can you get a business credit card with no business income?
- Do credit cards give me my miles and points back?
- 4. Talk to your lender
- When should I receive my 1099?
- Chase Total Checking®: $300 bonus
- Earned wage access pros and cons
- Why the Roth IRA works for many savers
- Some parents are taking or took steps to reduce child care costs
- Frugal DIY project tips
- 6 types of dividends
- APR vs. APY: What’s the difference?
- E
- 4. Complimentary glam services
- Factor in other costs
- April
- 3. Open an investment account
- Do you tip assistants?
- Women tend to be less confident, more anxious than men about investing
- How to get overdraft fees waived
- How to connect to Singapore Airlines Wi-Fi
- How to apply for a joint business bank account
- Quarterly category cards
- Colonial Penn customer complaints and satisfaction
- Open your Etsy shop
- Is it a good idea to consolidate credit cards?
- Making the choice
- Additional child tax credit
- Can you invest in OpenAI’s partners?
- Dissatisfaction
- Submit recertification information every year
- How does the Fed raise interest rates?
- Optional coverages
- How to invest in dividend stocks
- Multifamily homes
- Best Utah car insurance for having few customer complaints: American Family
- Gift tax limit 2023
- What happens if I exceed my 401(k) limit by mistake?
- Final steps
- Diversifying with index funds
- Next steps
- 5. Skip comprehensive and collision coverage for an older car
- 6. Rebounding from bank account fraud
- Where to avoid exchanging currency
- W-4 form 2024
- How much car insurance you need
- 3. EarnIn: Best for large advances
- Where Colonial Penn stands out
- How did NerdWallet determine the value of Skywards miles?
- 3. A CD ladder
- F
- Get more help with monthly budget planning
- How does a debt consolidation loan work?
- Google Pay
- Is a balance transfer a good idea?
- How to invest in AI stocks
- The best time to lower your car payment
- 3. Wells Fargo Bank: $1.68 trillion
- What if you can’t afford to tip?
- ESG investing vs. socially responsible investing vs. CSR
- 5. Not looking for first-time home buyer programs
- How to lease a car
- Xoom
- Consumer takeaways
- Limiting the cost of Singapore Airlines Wi-Fi
- Best homeowners insurance in Pennsylvania for consumer experience: Nationwide
- Consider the costs of cashing out your 401(k)
- The bottom line
- 4. Make biweekly payments
- Types of 1099 forms
- Cons of electric cars
- How ARM rates are set
- Tips to get through mortgage underwriting
- Skip currency exchange: Use a credit or debit card
- Alternatives to a lady bird deed
- Obstacles to paying a mortgage with a credit card
- Where Colonial Penn falls short
- How the lifetime gift tax exclusion works
- Do debt consolidation loans hurt your credit?
- Look for savings
- Can you use a business credit card for personal expenses?
- May
- Average certificate of deposit rate: 1.81% for one-year CDs
- What are fleet cards?
- Maintaining good standing for your Texas LLC
- 6. Raise your deductible
- Earned wage access vs. cash advance apps
- Budgets loom
- Fly Delta One to mainland Europe via Virgin Atlantic Flying Club
- Frugal home expenses tips
- Is it worth trying to earn Free Spirit points?
- What is the Federal Reserve Board?
- How credit card rewards look in other countries
- Manufactured homes
- How compound interest works
- Market your Esty shop and products
- Travelers home insurance rates
- Best car insurance in Florida for ease of use: State Farm
- 3. Get disability and life insurance
- When to expect your child tax credit refund
- Cheapest car insurance companies after a speeding ticket in California
- Chase Private Client Checking℠: Up to $3,000 bonus offer
- How to find the 2024 W-4
- Americans perceive investing advantages, disadvantages for women
- Best Utah car insurance for ease of use: State Farm
- G
- When debt consolidation isn't worth it
- How much are credit card processing fees?
- Capital One Venture Rewards Credit Card: Best basic travel rewards credit card
- Quick start guide: How to invest in index funds
- 4. Pick an investment strategy
- Which card is right for you?
- Fraud
- If you need help applying, contact your servicer
- How to find AI ETFs
- 5. Pay off capitalized interest
- How do fleet cards work?
- 7. Consider usage-based or pay-per-mile insurance
- Why some cars cost more to insure
- Tips to find cheap flights any day of the week
- Want cheaper insurance? Avoid these vehicles
- More about Colonial Penn
- 4. Citibank: $1.01 trillion
- How can you take the guesswork out of tipping?
- ESG investing examples
- The bottom line on OpenAI
- Making the call
- What's next?
- 4. Varo: Best for existing bank customers
- H
- Discounts
- 3 tips to control central air conditioning installation costs
- Shopify vs. Etsy: Pricing
- PayPal
- Don’t pay for advance seat selection
- Full list of the best homeowners insurance in Pennsylvania
- 2024 child tax credit news update
- 6. Ignoring VA, USDA and FHA loan programs
- Do I have to update my W-4 every year?
- Modular homes
- Warehouse club cards
- Mutual fund fees
- Is APY variable?
- 2024 lifetime gift tax exemption
- June
- Chase checking account referrals: Up to $500 bonus
- Should you pay your mortgage with a credit card?
- Full list of the best car insurance companies in Utah
- Why you might prefer the Capital One Venture X Rewards Credit Card
- Full list of the best car insurance in Florida
- Closing costs for the buyer
- 6. Stick to the standard repayment plan
- Types of ESG investments
- Reconsideration for PSLF applications
- 'Holds' on a credit card
- What if I’m enrolled in Public Service Loan Forgiveness?
- MoneyGram
- Find the best homeowners insurance in your state
- Building your business credit score
- What's next?
- 8. Check insurance costs when buying a car
- Exchange frequently? Consider a multicurrency account
- Using Aeromexico for certain domestic flights
- Singapore Airlines Wi-Fi, recapped
- Consumer complaints
- How much does homeowners insurance cost in Pennsylvania?
- 5. U.S. Bank: $646.73 billion
- 7. Not knowing whether to pay discount points
- How to adjust your Form W-4
- How to save on car insurance
- How to evaluate dividends
- What's next?
- Tiny houses
- Average money market account rate: 0.66%
- Could we be in an AI bubble?
- 5. Understand your investment options
- More ARM terms to know
- Interest-based passive income ideas
- NerdWallet home insurance calculator methodology
- Consumer experience
- Who pays the gift tax?
- Should you exercise early?
- Why you can trust NerdWallet
- July
- 7. Use 'found' money
- Small-business valuation methods
- 5. Dave: Best for repayment flexibility
- Are these the best dividend stocks?
- Can you lose money in mutual funds?
- K
- How to finance central air installation
- Venmo
- Chase Sapphire Reserve®: Best credit card for travel perks
- Fleet fuel cards: benefits and drawbacks
- The best place to exchange currency at the end of your trip
- Chase Business Complete Checking℠: $400 bonus offer
- Fees across U.S. airlines
- Do you pay taxes when you receive a gift?
- You can refinance an ARM
- 8. Emptying your savings
- The bottom line
- How to improve credit after a car repossession
- Average cost of homeowners insurance in Pennsylvania by city
- Consequences of a child tax credit error
- Costs of starting an LLC in Texas
- Anti-fraud preauthorizations
- The problem with 'cents off per gallon'
- L
- How much money can you make on YouTube?
- 6. PNC Bank: $551.13 billion
- ESG investing: How to get started
- Currency exchange: Frequently asked questions
- If you're looking to save miles on Delta flights
- If you fly Hawaiian Airlines with luggage
- Travelers vs. competitors
- Is the gift tax deductible?
- August
- Deciding whether to buy an EV
- Western Union
- Which card should you get?
- Who can form an LLC in Texas?
- What not to do
- Important considerations when opening a Roth IRA
- 6. MoneyLion: Best for existing customers
- How much is the gift tax rate?
- Walmart2Walmart
- The cheapest homeowners insurance in Pennsylvania
- The difference between interest rate and APY
- State child tax credits
- What to know about Chase checking account bonuses
- M
- Shopify vs. Etsy: Which is right for your business?
- Should you invest in AI stocks?
- Fuel card vs. business gas credit card
- 9. Applying for credit before the sale is final
- Earn an audience, and earn more in the long run
- September
- What is the $500 credit for other dependents (ODC)?
- 7. Goldman Sachs: $463.99 billion
- Cheapest for 30-year-old drivers
- Are dividends taxed?
- What to know about Pennsylvania homeowners insurance
- Discover it® Student Chrome: Best credit card for college students
- One-time IDR account adjustment for PSLF borrowers
- Gas credit card savings calculator
- N
- Common gift tax return triggers
- Child tax credit vs. child and dependent care credit
- Next steps
- 7. SoLo Funds: Best for peer-to-peer cash advances
- What is credit card consolidation?
- The bottom line
- W-4 calculator
- What's next?
- Other ways to make money
- Western Union
- How the FDIC calculates national rates
- 8. Truist Bank: $534.93 billion
- Apparel and shoes
- The bottom line
- October
- Does your business need a fleet fuel card?
- Are Chase bank promotions worth it?
- How does credit card consolidation work?
- O
- 10. Shopping for a house before a mortgage
- How to choose among the best ways to send money internationally
- Consulting niches to consider
- What else to know about Form W-4
- Reconsideration for rejected PSLF applications
- 8. Klover: Best for no-fee advances
- P
- Should you buy stocks or bonds?
- November
- 9. Capital One: $468.23 billion
- Is consolidating credit card debt a good idea?
- Additional tips for making money on TikTok
- Discover it® Secured Credit Card: Best credit card for building credit
- S
- Zelle:
- Best stocks for beginners
- 11. Underestimating the costs of homeownership
- Can I still use my credit card after debt consolidation?
- 10. TD Bank: $366.25 billion
- Don't qualify for PSLF? You have other options for relief
- Pros and cons of loan apps
- December
- T
- The upside down: When debt and equity roles reverse
- Pennsylvania department of insurance
- Additional resources for veteran entrepreneurs
- Closing costs for the seller
- Looking for more insurance in Pennsylvania?
- The bottom line on investing in stocks
- Cheapest car insurance by state
- Decide the best use of Bonvoy points for you
- 12. Miscalculating repair and renovation costs
- U
- What to know about the best ways to send money
- The bottom line
- 11. BMO: $260.79 billion
- Top cards with staying power
- What is a 1099 employee?
- Beauty and personal care
- How to make money from home
- 12. Citizens Bank: $224.96 billion
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- Other ways to earn money
- 13. First Citizens Bank: $213.59 billion
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Cheapest for 40-year-old drivers
- Pros and cons of starting a vending machine business
- Alternatives to cash advance apps
- 14. Fifth Third Bank: $211.98 billion
- How to make money offline
- 15. M&T Bank: $208.61 billion
- Alternatives to small-business grants for veterans
- Entertainment
- 16. Huntington National Bank: $186.36 billion
- Cash advance app star rating methodology
- Other ways to save money
- Full list of the best car insurance companies
- 17. Ally Bank: $185.72 billion
- Get your free birthday stuff and deals
- Full list of the best car insurance companies
- Best car insurance companies by state
- Best car insurance companies by state
- 18. KeyBank: $185.57 billion
- How to find the best car insurance
- 19. American Express National Bank: $174.80 billion
- Cheapest for 50-year-old drivers
- How to find the best car insurance
- 20. HSBC Bank USA: $161.30 billion
- Tips for starting a home-based business
- The bottom line
- Cheapest for 60-year-old drivers
- Watch out for making money scams
- Cheapest for 70-year-old drivers
- How to get cheap car insurance in Florida
- Minimum car insurance requirements in Florida
- No-fault insurance in Florida
- Why you can trust NerdWallet
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.