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.
- What is a home equity line of credit?
- Dividend definition
- What factors determine mortgage rates?
- Learn more about the good credit range
- What is a 1040 form?
- Definitions: Money Transfer Rates
- Webull is best for
- E*TRADE is best for:
- See how to get your business started quickly
- What is a mortgage refinance?
- Still deciding on the right carrier? Compare Medigap plans
- Bitcoin (BTC) definition
- What is a W-4?
- Life insurance buying guide
- What is an FHA loan?
- About Citizens home insurance
- What are dividend stocks?
- What is a credit freeze?
- Types of mutual funds
- What is a spot Bitcoin ETF?
- Best-performing gold ETFs
- What to consider before getting World of Hyatt Credit Card
- What is a 401(k) loan?
- 5 steps to fill out a money order
- What is an index fund?
- How much emergency fund should I have?
- What is the Fed funds rate?
- Mortgage rates will likely rise
- About The Andover Companies home insurance
- How long does it take to clear a check?
- Mortgage rate factors that you control
- How to get paid on YouTube
- How does a 10-year adjustable-rate mortgage work?
- 7 of the best apps to make money
- What is a savings account?
- How much is a speeding ticket in California?
- Microsoft Office Excel budget templates
- All about the Schumer box
- 1. Get passports for everyone
- 1. Leverage free trials
- What is stagflation?
- 4 no-credit-check loan options
- Financial assistance programs in each state
- Credit card basics
- What is self-employment tax?
- What kinds of coupons does Etsy have?
- Cheap car insurance for seniors
- Spotify Free
- What are Vanguard index funds?
- Hybrid batteries
- Know where your credit score stands
- 7 best-performing AI stocks
- What's the difference between a 15-year and 30-year mortgage?
- Why you don’t have a credit score
- What does APY mean?
- About the Chase Freedom Flex℠
- The Equal Credit Opportunity Act
- 1. Certificates of deposit (CDs)
- What is the Schedule A?
- What is umbrella insurance?
- Frugal food tips
- How Citi’s upgrade process works
- California state income tax brackets and rates
- What is an auto loan hardship program?
- Minimum wage over time
- 1. Sell spare electronics
- How to estimate your home insurance
- What is earned wage access?
- How life insurance commissions work
- What does BPP insurance cover?
- General advice for international money transfers
- Webull at a glance
- E*TRADE at a glance
- Most profitable small businesses
- The best budget apps
- 1. What does Chase Sapphire Reserve® car rental insurance cover?
- How does refinancing work?
- Step 1: Check your credit
- The best car insurance
- Advantages of franchising for the franchisee
- 1. Set your budget
- 1. Get help with utility bills and groceries
- How to get Qmiles
- How much should I save?
- How to get a tax transcript
- 1. Backup camera
- 1. Thinking Medicare Advantage is Medicare
- What are closing costs?
- Home business ideas
- Why is having a low credit utilization important?
- Pros
- 1. Start investing as early as possible
- 50/30/20 budget calculator
- Read the owners manual
- What is a Medicaid spend-down?
- How to use Google for cheap flights, hotels
- Auto insurance
- 1. Check what you already have and make a list
- January
- 5 Ways to get started in real estate investing
- Best ways to consolidate credit card debt
- When can you withdraw from a Roth IRA?
- Late winter and early spring
- Home warranty vs. home insurance: The basics
- What goes into the credit card interest calculation
- Best fleet fuel cards
- Strategies to build your 700 credit score
- 1. You can use it only on certain health care purchases
- 1. Clean up your credit
- You’ll be notified or see a $0 balance
- The main differences between Delta Comfort Plus vs. main cabin
- Key takeaways
- How to earn Free Spirit points
- Pros and cons of a 401(k) loan
- Difference between Medicare and Medicaid
- 1. Fill in the recipient’s name
- When to sign up for Medicare before turning 65
- American’s generous new change fee policy
- Where to use hotel points in the Maldives
- Average retirement savings balance by age
- When to consider a 15-year fixed-rate mortgage
- Who sets the Federal funds rate?
- What is the gift tax?
- How to downgrade a Chase card
- The challenge: Stubbornly high mortgage rates squeeze shoppers’ buying power
- Why you’d want The Platinum Card® from American Express
- When transferring a balance: Yes
- Cash back
- How to fill out Schedule A
- How to change your credit card due date
- Factors affecting cost
- How to send money online, on mobile or in person
- Steps to getting an auto loan with bad credit
- How to switch car insurance companies
- How to make money online
- How to freeze your credit with all 3 bureaus
- Key takeaways
- With a high-yield savings account, your money earns money
- Earn bonus TrueBlue points through JetBlue Vacations and Paisly
- The best money-making apps
- What is the 10-year Treasury?
- Top 11 spot Bitcoin ETFs by fee
- 2. Sell your gift cards
- 2. Use a free TV streaming site or app
- Pros
- Who needs to fill out a Form 1040?
- No annual fee
- Wells Fargo and the CFPB
- Start by checking your home equity
- How much does a hard inquiry on your credit report hurt?
- The self-employment tax rate for 2023
- What are gold ETFs?
- Spotify Premium cost
- Can I transfer a balance from a different account onto my Apple Card?
- What is a business credit score?
- Transaction types
- 28 ways to save money
- How do index funds work?
- Not all reason codes are the same
- 1. Don’t assume any one company is the cheapest
- What is term life insurance?
- Average condo insurance cost by state
- Why does tipping matter?
- Best credit cards with no credit check
- Banks that offer joint business accounts
- What’s a good credit score with FICO vs. VantageScore
- Summary of cash advance apps
- How to use the car affordability calculator
- 2. Limit your shopping trips
- 20 high-dividend stocks
- Ways to improve your online banking security and protect yourself
- Benefits of upgrading a Citi credit card
- Why you need a savings account
- Do you need insurance to rent a car?
- What is the best streaming service?
- How does earned wage access work?
- Credit cards with no balance transfer fees
- Are we experiencing stagflation now?
- Compare car insurance rates by age
- 5 steps to get preapproved for a home loan
- Why SSI has limits for married couples
- How does Bitcoin work?
- 1. Opt for federal loans before private ones
- 2. Find money for child care
- 2. Blind spot warning and cross-traffic alert
- How much are closing costs?
- Rely on the car owner’s insurance
- When to save vs. invest
- What is the current Fed interest rate?
- How to lower your credit utilization
- What is the 50/30/20 rule?
- Federal tax brackets and tax rates
- Banking
- The market outlook for home buyers
- Cheap car insurance
- What are dividend stocks and why buy them?
- Best car insurance in New Jersey overall: Travelers
- Equity funds
- Google Sheets budget templates
- 3. Pawn something
- What does the Schumer box tell you?
- Cons
- Bank wire transfer
- YNAB, for hands-on zero-based budgeting
- For shoppers
- New York state income tax rates
- How to fill out a W-4
- How should I invest?
- Ongoing strikes
- Service overview
- Strides in the workplace
- MassMutual life insurance
- Frugal shopping tips
- Today’s HELOC rates
- Roth IRA withdrawal rules
- What you need to know about savings accounts
- State minimum wages in 2024
- 3. Look for offers from cell phone carriers
- The self-employment tax rate for 2024
- Auto loan origination by credit score
- 2. Write your address in the purchaser section
- 2. Assuming your doctors are in network
- Rules for borrowing
- Fees and taxes
- Median retirement savings balance by age
- Why invest in index funds?
- When to consider a 30-year fixed-rate mortgage
- What’s the starting point for your score?
- Home prices will keep pushing higher
- How does spending down affect medical bills?
- Where The Andover Companies stands out
- 2. Cash management accounts
- How Schedule A works
- How umbrella insurance works
- 1. Brigit: Best for budgeting tools
- 3. Stick to your list
- Information you need to freeze your credit
- Higher savings rates can help you keep up with inflation
- Holiday weekends
- Grace period
- 2. Consider TSA PreCheck or Global Entry
- Why agent commissions matter
- Versatile rewards
- Delta main cabin
- Home equity loans and HELOCs vs. cash-out refinances: Understanding your options
- When to refinance a mortgage
- 2. Shop for a loan
- How do Vanguard index funds work?
- Best redemptions for Qatar's Qmiles program
- Consolidation vs. refinancing
- Pricing transparency
- Where to stash your emergency fund
- How the annual gift tax exclusion works
- Benefits to downgrading a Chase card
- Biden's student loan forgiveness 'plan B' would be more targeted
- What to know before getting the Chase Freedom Flex℠
- February
- Where Citizens stands out
- Investing for income: Dividend stocks vs. dividend funds
- What is the 10-year treasury yield today?
- 4. Work today for fast cash today
- 4. Invest in a digital antenna
- The pros and cons of a life insurance trust
- What kind of investment is Ethereum?
- 2. It’s a deferred interest card ...
- You could get a refund
- Step 2: Pre-qualify and compare offers
- Preapproval is not the same as pre-qualification
- Can I transfer my Apple Card balance to a different credit card?
- 2. Borrow only what you need — and can reasonably repay
- 3. Recover unclaimed money
- 3. Bluetooth connectivity
- 3. Include your account number if you're paying a bill
- How are business credit scores calculated?
- How food prices have changed over time
- 2. Don’t ignore local and regional insurers
- The exception: deferred interest offers
- Do you need term life insurance?
- 'Recommended' maintenance
- For direct monthly payments: No
- Chime Secured Credit Builder Visa® Credit Card
- Pop culture
- Who needs to file a Schedule A tax form
- When to change your credit card due date
- Why might a check take longer to clear?
- FHA vs. conventional loans
- 4. Pay attention to prices
- Does my car insurance cover rental cars?
- What to do after you get a speeding ticket in California
- How do streaming services fit into your budget?
- Does raising the minimum wage cause inflation?
- How to qualify for an earned wage access service
- Short resignation letter example
- 2. Who is covered?
- More alternatives to payday loans
- Know the limitations
- How does Bitcoin make money?
- How to calculate self-employment tax
- How to invest in gold ETFs
- The true cost of a 401(k) loan
- Award flights
- What your credit score reason code means
- How to pick a good savings account
- Where The Andover Companies falls short
- MassMutual life insurance policies
- How to determine how much car you can afford
- JetBlue partner airlines and hotel partners
- What are the disadvantages of a 10-year ARM?
- What’s covered?
- Savings accounts with strong APYs can help your money grow
- NerdWallet’s budget planner
- 2. Rebalance your debts and income
- Types of tax transcripts
- Consolidating private student loans
- 4. Head-up display
- 3. Not checking your drug coverage
- Recent changes to food costs
- How to determine your closing costs
- Get on someone else’s policy
- 3. Ask about discounts
- Housing demand will remain vigorous
- Should you tip all kinds of massage therapists?
- Average cost of tires
- 5. Buy the Sunday paper (for coupons)
- Where Citizens falls short
- Dividend vs. growth stocks
- What is a Bitcoin strategy ETF?
- 5. Seek community loans and assistance
- 5. Borrow with your library card
- When did stagflation last occur? What's different today?
- How to fill out a 1040 form
- How do you get BPP insurance?
- Sign-up bonus
- Best car insurance for seniors: star rating
- Are Vanguard index funds a good investment?
- Auto loan interest rates by credit score
- 4. Sign the bottom where it says 'purchaser’s signature'
- Risks of using a 401(k) loan
- Overall cost
- Standby for free on all routes
- What is an index?
- How much is condo insurance in your city?
- How to calculate APY
- Benefits for Medicare beneficiaries
- 3. High-yield money market accounts (MMAs)
- Credit cards
- Drawbacks to upgrading a Citi credit card
- Best car insurance in New Jersey for your budget: Geico
- Do all workers earn at least the minimum wage?
- How to be a smart customer
- 3. … and it can also be a low-interest card
- Who has to pay self-employment tax?
- 3. Determine other ownership costs
- 4. Get down payment assistance for a home
- 5. Dash cam
- What are AI stocks?
- Limitations on downgrading a Chase card
- The challenge: Low inventory means slim pickings for buyers
- How long does term life insurance last?
- The smart way to service your car
- State availability
- What does umbrella insurance cover?
- So what’s the holdup?
- March
- Get a secured credit card
- Frugal entertainment tips
- What to look for in a high-yield savings account
- All year
- Average daily balance
- 6. Ask for forbearance on bills
- Popular earned wage access companies
- Cash App
- Your credit score could dip slightly
- 3. What’s not covered?
- How far in advance should I get preapproved for a mortgage?
- Maximize your exemptions
- Types of credit cards
- Best car insurance companies: Our winners
- You decide: Is Bitcoin a good investment?
- Medicare vs. Medicaid: Eligibility
- 4. Buying for the dental benefits
- Do personal credit scores affect business credit scores?
- Retirement savings by age
- How to get credit in the first place
- 2. Decide how much to invest
- Standard deduction
- After getting a cash advance: Yes, but it’s a bad idea
- Travel
- What items can be deducted on Schedule A?
- Sync your due date with your payday
- 2. Empower: Best for fast cash
- 6. Avoid online grocery shopping
- State availability
- How are dividends paid out?
- California income tax deadlines and extensions
- How a savings account works: withdrawal limits
- Price vs. yield
- Top 8 Bitcoin strategy ETFs by fee
- 3. Have a notarized letter for solo-parent travel
- How does a life insurance trust work?
- What is the CFPB?
- For sellers
- 401(k) loans are tied to your company
- 6. Tunes, directions and apps
- 5. Keep your receipt
- Will food prices go down in 2024?
- Card readers and apps
- What happens when the Fed raises interest rates?
- Higher Education Act justifies plan B
- FHA loan requirements
- How to unfreeze your credit
- The Federal Trade Commission’s budget worksheet
- 7. Request a payroll advance
- 6. Share a friend's or relative’s account
- Preferred Rewards
- How much does it cost to buy Vanguard index fund shares?
- 3. You’ll pay interest (and maybe fees) on the loan
- Closing costs calculator
- Improvements to basic economy
- 4. Work on your credit
- Average condo insurance cost by coverage amount
- Who can open a joint business account
- What a good credit score can get you
- What to do if you can’t open a savings account
- What are the advantages of a 10-year ARM?
- Rental car insurance vs. your own auto insurance
- Average car insurance rates after a speeding ticket in California
- How to qualify for a hardship program
- How much do streaming services cost?
- 3. Don’t ask for too much cash
- Goodbudget, for hands-on envelope budgeting
- The impact of payday loans
- 4. Find the right car for you
- New York state supplemental income tax
- 7. Massaging and heated seats
- Loan costs, repayment and alternatives
- When to invest vs. save
- Gift tax limit 2024
- Deciding between term and permanent life insurance
- Why you’d want the American Express® Gold Card
- The housing shortage will persist
- Help for the spend-down process
- 4. Peer-to-peer lending
- MassMutual customer complaints and satisfaction
- 7. Calculate your burn rate
- Citizens home insurance coverage
- 4. Download apps and shows, charge devices
- What do I need to fill out Form 1040?
- 4. Your account is available immediately upon approval
- Immediate resignation letter example
- How to pay self-employment tax
- Best car insurance for seniors: budget pick
- How does Spotify fit into your budget?
- Should you use a 401(k) loan to pay off debt?
- 5. Find tax credits for health insurance
- 5. Looking at the premium only
- Point-of-sale hardware
- Who pays the closing costs?
- Buy a standard policy and cancel it early
- How much do index funds cost?
- Avoid credit card payment allocation problems
- Can't pay your minimum? What to do
- The Andover Companies home insurance coverage
- Banks and credit unions that clear checks fast
- Frugal DIY project tips
- How does a HELOC work?
- 6 types of dividends
- Mortgage rate factors beyond your control
- What's next?
- How much should you spend on a mattress?
- 8. Take a loan from your retirement account
- Earned wage access pros and cons
- Is stagflation the same as a recession?
- No foreign transaction fees
- How home equity loans, HELOCs and cash-out refinances are similar
- Take advantage of savings programs
- Reconsidering the Apple Card for everyday spending
- Lenders look at more than a bad credit score
- What is a good business credit score?
- When to sign up for Social Security
- What if you’re unhappy with your massage?
- APR vs. APY: What’s the difference?
- What if you're unable to change your due date?
- Labor costs
- April
- Best car insurance in New Jersey for customer satisfaction: NJM
- Do I have to pay California state tax?
- What a 700 credit score can get you
- The Bitcoin ETF price war
- 7. Check your app store for free downloads
- How much BPP coverage do you need?
- Fines and legal actions: Wells Fargo’s recent history
- 4. How to file a claim for car rental insurance
- 4. After you agree to the loan, your school will handle the rest
- 6. Apply for college grants
- How does this fit into my portfolio?
- How to consolidate private student loans
- Why is food so expensive?
- Don’t count on this student loan forgiveness yet
- 3. Open an investment account
- Media company strikes in 2024
- Average condo insurance cost by company
- What else will change for tax year 2024?
- How many banks have collapsed?
- How to apply for a joint business bank account
- How MassMutual compares to other insurers
- 8. Follow your favorite brands
- How to invest in dividend stocks
- Bond funds
- More ways to take charge of your budget
- What states are increasing minimum wages in 2024?
- 9. Borrow against life insurance
- How can you prepare for stagflation?
- 5. It’s one of several ways you can pay for medical expenses
- 0% intro APR offer
- Tax implications are unlikely
- Tax deductions for self-employment
- 6. Buying because your friend has it
- Integrations with accounting software
- Diversifying with index funds
- How does the Fed raise interest rates?
- Gift tax limit 2023
- Schedule A tips and tricks for itemizing
- What umbrella insurance doesn’t cover
- Alternatives to checks
- When to switch car insurance companies
- Mattress-buying tips
- How much to keep in your savings account
- Why is the 10-year Treasury yield important?
- Where do you find the Schumer box?
- Types of life insurance trusts
- Google Pay
- How home equity loans and HELOCs are different from cash-out refinances
- Step 3: Choose your lender and loan
- Still, there are challenges
- 5. Contact the seller or visit a dealership
- W-4 form 2024
- Don’t focus too much on the numbers
- 5. Skip comprehensive and collision coverage for an older car
- How much does term life insurance cost?
- The Fed will get introspective
- Get more help with monthly budget planning
- 5. Online savings accounts
- What’s next?
- What affects your credit score?
- 3. EarnIn: Best for large advances
- More about MassMutual
- Get a credit-builder product or a secured loan
- Interest rate
- Do spot Bitcoin ETFs have custodianship risk?
- 10. Use a credit card cash advance
- Download Form 1040
- More about the card
- 4. Consider a co-signer
- Best car insurance for seniors: fewest complaints
- Medicare vs. Medicaid: Cost
- How to invest in AI stocks
- Deposit timing
- The challenge: High prices push affordability to the worst it’s been in almost 40 years
- Starbucks Workers United and Starbucks are negotiating
- Key points to keep in mind
- 5. Pack smart
- FAQ comparing home equity loans, HELOCs and cash-out refinances
- Storing your Bitcoins: Hot wallets vs. cold wallets
- When are New York state income taxes due?
- 5. You can use loan money only for certain things
- How do I get a copy of my actual tax return?
- How the lifetime gift tax exclusion works
- 9. Try out generic labels
- May
- Frugal home expenses tips
- What is California's standard deduction?
- What are fleet cards?
- 11. Look for a payday alternative loan
- Earned wage access vs. cash advance apps
- Is it worth trying to earn Free Spirit points?
- Watch out for scams
- Contract periods
- Buy non-owner car insurance
- What is the Federal Reserve Board?
- 6. Raise your deductible
- How compound interest works
- Discounts
- How to freeze your child’s credit
- Best car insurance in New Jersey for ease of use: State Farm
- Money market funds
- Alternatives to savings accounts
- Cheapest car insurance companies after a speeding ticket in California
- Are 10-year Treasury notes a good investment?
- Minimum wage increases
- How much does BPP insurance cost?
- 401(k) loan alternatives
- Do I have to pay New York state income tax?
- How to find the 2024 W-4
- Quick start guide: How to invest in index funds
- How to pick a good brokerage account
- What does a condo insurance rate include?
- What if you can’t afford to tip?
- Current Build Card
- Who needs umbrella insurance?
- How to get a good credit score
- Comparing lenders to get a bad credit auto loan
- Cards to consider despite their balance transfer fee
- Which Form 1040 schedules should I use?
- 6. Inspect and test-drive the car, if applicable
- 6. Find out who your servicer is and when payments begin
- Are there other ways to get tax records?
- Customer support
- 4. Pick an investment strategy
- Recent strikes
- Term life insurance rates for men and women
- Why you’d get both
- 10. Use credit cards strategically
- Balanced funds
- What part of my income gets taxed by California?
- How do fleet cards work?
- What do the approvals mean for Bitcoin?
- What is the median household income in the U.S.?
- 12. Get a personal loan
- Why's it called the Schumer box?
- Resignation due to health issues letter example
- Chase car rental insurance, recapped
- Step 4: Gather loan documents
- Reasons to get a credit card
- Best car insurance for seniors: ease of use
- How to find AI ETFs
- 7. Consider usage-based or pay-per-mile insurance
- Why did First Republic Bank fail?
- 6. High-yield checking accounts
- HELOC requirements
- What’s not covered
- PayPal
- 5. Use collateral to secure the loan
- Delta Comfort Plus
- EveryDollar, for simple zero-based budgeting
- How much does it cost to refinance a mortgage?
- How do you buy Vanguard Index fund shares?
- Federal student loan consolidation
- How are food prices tracked?
- Bottom line for home sellers and buyers
- Consumer complaints
- 4. Varo: Best for existing bank customers
- 11. Establish your local supermarket circuit
- Use a co-signer
- Days in the cycle
- How do you buy 10-year Treasury notes?
- You can prioritize other financial goals
- If you're considering World of Hyatt Credit Card
- Do I have to update my W-4 every year?
- Which retirement account should I use?
- Still want a 401(k) loan?
- 2024 lifetime gift tax exemption
- Is APY variable?
- How much umbrella insurance do you need?
- June
- When should you freeze your credit?
- Other mutual funds
- 13. Rent out a room
- How important is it to pay no balance transfer fee?
- Disadvantages of franchising for the franchisee
- What is New York state's standard deduction?
- Medicare vs. Medicaid: Dependent coverage
- The bottom line
- How to reduce your condo insurance cost
- Consumer experience
- 12. Consider a wholesale membership
- Alternatives to paying more for a bad-credit auto loan
- Discounts
- How to get a home equity line of credit
- Full list of the best car insurance in New Jersey
- Am I a resident for California state tax purposes?
- What happens to a 700 score with a late payment?
- Find the best homeowners insurance in your state
- 7. Determine which warranties are right for you
- Closing costs for the buyer
- Buy rental car insurance
- Are mortgage rates the same for all lenders?
- Do you pay tax on T-notes?
- 7. Consider shipping items to your destination
- The cheapest car insurance for seniors
- 8. Check insurance costs when buying a car
- Cons
- The challenge: Multiple offers are common, and first-time buyers have less cash
- Why did Silicon Valley Bank fail?
- Which is better?
- The bottom line
- Become an authorized user
- How to evaluate dividends
- Where to find the best savings accounts
- 6. Find the right lender
- How to find the best refinance rates
- How to adjust your Form W-4
- Why do I need a business credit score?
- Term life insurance shopping guide
- Finding a car you can afford
- Next Steps
- Cons of a credit freeze
- How to earn or redeem TrueBlue points with other JetBlue travel partners
- What's next?
- Using your credit card for rental car coverage
- What do the approvals mean for other crypto investments?
- 14. Moonlight as a dog sitter
- NerdWallet home insurance calculator methodology
- Which type of life insurance should I put in a trust?
- Costs of carrying a credit card
- Am I a resident for New York state income tax purposes?
- What are the best Vanguard index funds?
- Could we be in an AI bubble?
- What is the average and median retirement savings?
- Who pays the gift tax?
- 5. Understand your investment options
- 13. Look at the price per unit
- July
- Consumer complaints
- Are these the best dividend stocks?
- How much can you borrow with a HELOC?
- Shop with confidence
- Why you can trust NerdWallet
- 8. Seek out playgrounds inside the airport terminal
- Venmo
- Step 5: Submit your application and get funded
- How to find Qatar Privilege Club awards
- What's next?
- The bottom line
- 5. Dave: Best for repayment flexibility
- Fleet fuel cards: benefits and drawbacks
- 15. Become a rideshare or delivery driver
- 8. Negotiate the best price
- How do I get my business credit score?
- Do you pay taxes when you receive a gift?
- How much does umbrella insurance cost?
- How to consolidate federal loans
- Speak with an agent
- Your readiness to buy a home
- Consumer experience
- Credit freeze or credit lock?
- How much money can you make on YouTube?
- 16. Cut your insurance premiums
- 9. Head to airport lounges for snacks
- Other types of 1040 tax forms
- What is a no-credit-check loan?
- Empower Personal Dashboard, for tracking wealth and spending
- Refinancing a mortgage, step by step
- Other home insurance companies to consider
- How to get umbrella insurance
- Buying rental car insurance on your own
- Is the gift tax deductible?
- Why did Signature Bank fail?
- Varo Believe Secured Credit Card
- What is the highest credit score, and how many people have it?
- 14. Understand sale cycles
- August
- Credit cards and elite status can improve your overall experience
- Who is eligible for both Medicare and Medicaid?
- Get credit for the bills you pay
- Who can access your frozen credit reports?
- 10. Hit the bathroom before boarding
- Walmart2Walmart
- Tips for effective credit card use
- 9. Maximize trade-in value, if applicable
- The bottom line
- How much is the gift tax rate?
- 6. MoneyLion: Best for existing customers
- 17. Consolidate your debt
- Qmiles are worth more now
- Bottom line: Is umbrella insurance worth it?
- The bottom line
- Is getting a HELOC a good idea?
- Fuel card vs. business gas credit card
- Compare insurance rates by driver history
- Should you invest in AI stocks?
- The bottom line: Set realistic expectations
- Earn an audience, and earn more in the long run
- 11. Keep their favorites handy in a small carry-on
- What’s happening with Silvergate Capital Corp.?
- September
- Are dividends taxed?
- Waiting periods
- 18. Refinance your student loans
- 10. Make the purchase
- Common gift tax return triggers
- What happened to Credit Suisse?
- Practice good credit habits
- Next steps
- What is credit card consolidation?
- California state tax credits
- 19. Change your cell phone plan
- 12. Have a plan for ear pressure
- 7. SoLo Funds: Best for peer-to-peer cash advances
- Other ways to make money
- Cost, service fees and deductibles
- Western Union
- W-4 calculator
- Transfer points to your TrueBlue account from Chase, Citi or American Express
- Avoid risky loans
- 13. Indulge them
- If you’re considering an upgrade to Delta Comfort Plus
- PocketGuard, for a simplified budgeting snapshot
- Advantages of franchising for the franchisor
- Types of FHA loans
- October
- How does credit card consolidation work?
- Does your business need a fleet fuel card?
- Car rental insurance: The bottom line
- Investing
- Is it better to get a home equity loan or line of credit?
- At your destination
- Potential strikes ahead
- Are other banks are in trouble?
- What else to know about Form W-4
- Consider earning points on your Maldives stay
- Things to consider about loans with no credit check
- Cheapest car insurance for seniors by state
- 8. Klover: Best for no-fee advances
- Check your credit scores and reports
- NYC income tax rates
- The pros and cons of cruises, recapped
- More about term life insurance
- Should I take my money out of the bank?
- November
- What to do if you can’t keep up with your HELOC payments
- Is consolidating credit card debt a good idea?
- How claims work
- OK, what's next?
- If you book a hotel with points in the Maldives
- Striking worker totals increased by 141% in 2023
- More resources
- 15. Involve them in the planning
- Zelle:
- How to get the best car insurance rates for seniors
- Grow Credit Mastercard
- Can I still use my credit card after debt consolidation?
- Are we in a recession?
- How to travel with a toddler, recapped
- Mortgages
- Honeydue, for budgeting with a partner
- Pros and cons of loan apps
- December
- How to shop for no-credit-check loans
- FHA loan limits
- How to track your California state refund
- Closing costs for the seller
- Are we headed for a depression?
- Cheapest car insurance by state
- What to know about the best ways to send money
- 6 things to know about New York state income tax
- No-credit-check loan alternatives
- Disadvantages of franchising for the franchisor
- How to apply for an FHA loan
- California state sales tax
- How to make money from home
- Budgeting resources from NerdWallet
- Home insurance vs. home warranty: Bottom line
- 5 things to know about California state tax
- Pros and cons of FHA loans
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- OpenSky® Secured Visa® Credit Card
- Personal loans
- Methodology to identify the best budget apps
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Ways to get the best FHA mortgage rates
- The final word
- Alternatives to cash advance apps
- Student loans
- How to make money offline
- Cred.ai Credit Card
- Taxes
- Cash advance app star rating methodology
- Travel rewards
- Full list of the best car insurance companies
- How to compare car insurance rates
- Best car insurance companies by state
- GO2bank Secured Credit Card
- How to start a profitable business
- How to find the best car insurance
- Self Secured Visa® Credit Card
- Tips for starting a home-based business
- The bottom line
- Credit cards that didn't make the list
- How to choose an insurance company
- Watch out for making money scams
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.