Best Things to Buy Every Month in 2024
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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 FICO score?
- What is married filing jointly?
- What is a REIT?
- See CD rates by term and type
- What is the energy efficient home improvement credit?
- Fund definition
- Dividend definition
- Compare types of bank accounts
- Still deciding on the right carrier? Compare Medigap plans
- Stock market definition
- What is a budget planner?
- What is innocent spouse relief?
- What is a W-4?
- What is inventory turnover ratio?
- What is a Treasury bill?
- What is a brokerage account?
- Ready to get started? Here's what to do next
- Our Take
- Why is retirement planning important?
- The parts of Medicare
- Still deciding on the right carrier? Compare Medicare Part D Plans
- About Roth IRAs
- What is a cashier's check?
- What is a fiduciary?
- Life insurance buying guide
- Net worth defined
- What is Upwork?
- Key takeaways
- What is a home equity line of credit?
- Mortgage rates this week
- What is a Closing Disclosure?
- You value Orbucks rewards
- Are property taxes deductible?
- What is a cash-back app?
- What to expect flying Alaska Airlines premium class
- How much emergency fund should I have?
- Estate planning checklist
- Best-performing gold ETFs
- What are dividend stocks?
- Takeaways From 'Get Smart With Money'
- About State Farm home insurance
- Bullish vs. bearish: What’s the difference?
- How many IRAs can you have? How many Roth IRAs?
- About USAA home insurance
- U.S. passport renewal
- What is a money market account?
- 1. Soak up some sun on the beach
- Does homeowners insurance cover plumbing problems?
- 7 of the best apps to make money
- Can you withdraw money from a 401(k) early?
- What is a savings account?
- Portfolio definition
- Preparing to buy tips
- What is a goodwill letter or late payment removal letter?
- When are taxes due in 2024?
- What is personal property insurance?
- Explore free options first
- Key findings
- The Equal Credit Opportunity Act
- Savings accounts
- What is a solo 401(k) plan?
- Keep your inheritance to yourself (for now)
- What are Vanguard index funds?
- The stock market explained
- How to get paid on YouTube
- Spirit Airlines seat assignment
- What is Global Entry?
- What does APY mean?
- SC Housing highlights and eligibility requirements
- How do I get Southwest drink coupons?
- Types of lines of credit
- Can you transfer American Airlines miles to Alaska?
- Airlines in the Star Alliance
- What is purchase protection?
- What to know about National Emerald Club
- What is home equity?
- 1. Shop at stores with rewards programs
- 8 types of car insurance (plus 1)
- How much does a wire transfer cost?
- Pros & Cons
- Get the loyalty bonus
- What is identity theft insurance?
- How do CDs work?
- What does this value mean?
- What to expect flying business class with Copa Airlines
- When do I need a cashier's check?
- What is a conventional mortgage?
- Microsoft Office Excel budget templates
- In this issue
- What is Vanguard?
- How much is a speeding ticket in California?
- Is Upwork a legit way to make money?
- How can a CPA help you with taxes?
- 7 best-performing AI stocks
- What is Sam’s Club?
- What a mortgage servicer does
- Frugal food tips
- How to open a liquor store: A step-by-step guide
- How to buy Palantir stock
- Best-performing REIT stocks: April 2024
- What is the child tax credit?
- California state income tax brackets and rates
- What is a business loan default?
- How do CDs work?
- The best budget apps
- What is the typical down payment on a house?
- How do LLC taxes work?
- 2023 Arizona state income tax rates and tax brackets
- January
- Why issuers offer gift cards
- The best car insurance
- What is tax debt relief?
- What does homeowners insurance cover?
- What types of passport services are available?
- Why you shouldn’t gift a house
- Best-performing U.S. equity mutual funds
- Key differences between Oahu and Maui
- Do rent payments affect credit?
- What is an insurance broker?
- What is a bonus?
- What does SSSS mean on a boarding pass?
- Seven steps to basic estate planning
- 1. Reward social media sharing
- Capital One CD rates
- Create a budget plan that works for you
- What qualifies for innocent spouse relief?
- Before you invest
- How we found the best travel insurance
- Average car loan interest rates by credit score
- What is early retirement age?
- 15 best business startup books to read
- 529 contribution limits by state
- 40 best startup business ideas
- Using your maiden name on a passport
- 1. Set your budget
- More space, but not necessarily more comfort
- 1. Consider an IRA
- Auto insurance
- Step 1: Check your credit
- 50/30/20 budget calculator
- Pros and cons of secured and unsecured loans
- Fannie Mae HomeReady
- What is my net worth?
- First, some background
- Prioritize necessities
- Roth IRA contribution limits 2024
- What to expect flying first class with Singapore Airlines
- Three years
- Quick facts about Zelle
- Why is a FICO score important?
- How to invest in mutual funds
- Small-town business ideas
- 4 easy ways to start investing with little money
- HELOCs and home equity loans compared
- It's not a done deal
- Reviewing the Closing Disclosure
- Energy efficient home improvement credit 2023
- What goes into the credit card interest calculation
- What is the ‘donut hole’ in Medicare?
- What is infinite banking?
- 1. It’s a premium travel card at a premium price
- What is adjusted gross income (AGI)?
- Student loan payoff calculator
- Passport photo clothing requirements
- Tips to get cheap Amtrak tickets
- Best cash-back apps of 2023
- When to write a financial aid appeal letter
- Best free e-commerce website builders at a glance
- 8 steps to open a car detailing business
- What is the gift tax?
- The problems with joint spousal consolidation loans
- How long does it take to close on a home?
- VA loan vs. FHA loan
- Late winter and early spring
- What happens when the appraisal is lower than the offer?
- Key takeaways
- Uncovering your financial beliefs
- The best time to book rental cars
- Best day to book a flight
- At a glance
- Best ways to consolidate credit card debt
- How Treasury bills work
- How to consolidate your debt
- The best Hilton hotels in Hawaii for award travelers
- How to keep an A+ rating with the Better Business Bureau
- How to budget money
- Why credit cards have expiration dates
- What does this value mean?
- How much is HelloFresh?
- How do brokerage accounts work?
- 1. Resort hop via the monorail
- Too much debt or too little income
- 1. You won’t pay an annual fee, but you do need to be a Co-op member
- When can you withdraw from a Roth IRA?
- What the settlement could change
- Cash back
- When can you retire?
- 1. Submit an appeal
- Taxes on 401(k) contributions
- Length of credit history vs. credit age
- How to change your credit card due date
- Best fleet fuel cards
- What is a Vanguard mutual fund?
- What is a state income tax?
- How to remove yourself as an authorized user
- The bull call spread
- The best money-making apps
- Who can use the married filing jointly status?
- Heating and cooling
- What is the 401(k) early withdrawal penalty?
- What to consider when building a portfolio
- Do goodwill letters work?
- You’re flexible with hotel brands
- Start with your student loan servicer
- How to make money online
- 1. Set your budget
- Easier peer-to-peer payments
- The FDIC insurance limit: $250,000 per depositor, per institution, per category
- Women are less likely to manage their own investments
- Where to find free protection
- Breakdown of central air costs
- How FICO 10 and FICO 10T are different
- Cash bonuses on cards with no annual fee
- Deductibles
- What is the 10-year Treasury?
- What are gold ETFs?
- What is a business credit score?
- How to find your credit card closing date
- 1. Rewards credit cards
- How does home equity work?
- How to invest in stocks in 6 steps
- What is a flexible spending account, or FSA?
- If you're worried, take action
- Transaction types
- Netflix subscription cost
- Table of Contents
- Spirit Airlines bag fees
- Banks that offer joint business accounts
- 1. Your home is the collateral backing the credit card
- The income-driven plan you use
- Securian Financial life insurance
- How does a secured loan work?
- Meme coin mayhem
- Find out how much your car is worth
- The best ways to use Marriott Bonvoy points
- First, a court decision
- 1. Apply for scholarships, fellowships and other grants
- Start where you are
- Key takeaways
- What is the price of a Sam’s Club membership?
- How your servicer can help if you’re behind on payments
- How are dividends taxed?
- What is a mature CD’s grace period?
- Why you need a savings account
- Which projects qualify for the home improvement credit?
- How do funds work?
- What is the property tax deduction limit?
- How much is car insurance?
- How will the Student Aid Index be calculated?
- Take your time
- How to set up an Apple AirTag tracker
- Bonus tax rate
- Square Online: Best free e-commerce website builder
- Types of USDA loans
- Property type
- 2. Leverage brand ambassadors
- Who can get Global Entry?
- 20 high-dividend stocks
- 5 steps to get preapproved for a home loan
- 4 great first investments
- Why the Chase Sapphire Preferred® Card is better for most people
- How is inventory turnover ratio calculated?
- How to use purchase protection
- What is the Walmart MoneyCenter?
- 2. Install a browser extension
- 529 contributions and the gift tax
- 1. Tax planning starts with understanding your tax bracket
- What is liquid net worth?
- Wire transfer fees by financial institution
- Paperwork required if your passport has a maiden name
- What does identity theft insurance cover?
- What are American Airlines Loyalty Points?
- What are the pros and cons of money market accounts?
- 2. Take a surfing lesson
- Banking
- Student loan forgiveness programs
- Where can I get a cashier’s check?
- What is fiduciary duty?
- What is the 50/30/20 rule?
- Vanguard funds: Active vs. passive
- How to get Upwork jobs
- Easier path to elite status
- Corebridge Financial life insurance
- Best life insurance for children in April 2024
- Six years
- How is PMI calculated?
- What is a good FICO score?
- Best car insurance in New Jersey overall: Travelers
- Cheap car insurance
- How to calculate your home equity
- Best-performing REIT mutual funds: April 2024
- How much is the child tax credit worth?
- What reasons can you withdraw from your 401(k) early?
- YNAB, for hands-on zero-based budgeting
- Do I have to pay Arizona state income tax?
- What are the four stages for the Medicare donut hole?
- What are dividend stocks and why buy them?
- Lean on investments or savings, if you have them
- Strides in the workplace
- When to use an insurance broker
- Federal student loan limits
- How the market works
- Why do travelers get SSSS?
- Do I have to select a seat on Spirit Airlines?
- How to use this consolidation calculator
- More details about Capital One CDs
- Where State Farm stands out
- How to fill out a W-4
- Elite status
- How to improve your BBB rating: What the Better Business Bureau looks for
- Liability insurance
- Where USAA stands out
- What LifeLock does and what it costs
- 2. Ask about tuition payment plans
- Applying for a U.S. passport for the first time
- Calculator: Convert Flying Blue miles to a dollar value
- Comparing government loans and conventional mortgages
- AARP life insurance
- Google Sheets budget templates
- 20 high-dividend stocks
- Call lenders and service providers
- Roth IRA contribution deadline
- Best car insurance in Florida overall: Travelers
- Frugal shopping tips
- What is the dividend tax rate?
- What you need to know about savings accounts
- How to write a late payment removal letter
- 1. Glendale, Arizona
- 5 tax relief options
- How extra student loan payments work
- What does personal property insurance cover?
- Which services will report your rent payments?
- Fetch Rewards
- How much does Alaska Airlines premium class cost?
- Does a partial payment affect your credit score?
- What happens at a mortgage loan closing?
- 3. Consider an employee perspective
- The benefits of having multiple IRAs
- Best day to fly
- What is a personal line of credit?
- How to convert American miles to dollars (calculator)
- Late payments or bankruptcy
- Roth IRA withdrawal rules
- 5 steps for retirement planning
- Use the Travel Center
- 2. Decide how much you want to invest
- How can I get a cashier’s check?
- How to find a CPA or tax accountant near you
- How state income tax rates work
- Today’s HELOC rates
- Is there a Sam’s Club Membership discount?
- Seven years
- How much is PMI?
- How is a FICO score calculated?
- Best-performing REIT ETFs: April 2024
- But ripple effects may eventually reach you
- What happens when you default on a small-business loan?
- How LLCs pay income taxes
- February
- Grace period
- How does infinite banking work?
- 2. The annual fee is mitigated by a huge statement credit, sign-up bonus
- You’re ready to go mobile
- 2. Get preapproved before you shop
- What doesn't count as a property tax deduction?
- Dress code tips for passport photo
- Other reasons not to gift a house
- When will lenders start using FICO 10 and 10T?
- Work with a financial advisor to create a financial plan
- How do Vanguard index funds work?
- Where to stash your emergency fund
- How the annual gift tax exclusion works
- Differences between TSA PreCheck and Global Entry
- Holiday weekends
- Takeaways From 'How to Get Rich'
- Innocent spouse relief form
- Etymology of bullish vs. bearish
- What’s on the Southwest drink menu?
- Are auto loan interest rates rising?
- 12 online banks that use Zelle
- T-bill purchase example
- Pricing transparency
- How to choose a brokerage account provider
- 2. You’ll earn rich rewards wherever you spend money …
- 2. Shop for a loan
- What about the extras?
- 3. Peruse the pier
- Am I stuck with Aidvantage until my loans are paid off?
- Fiduciary financial advisors
- Securian Financial life insurance policies
- What is a mega backdoor Roth?
- How to book a first class ticket with Singapore Airlines
- How we ranked the top life insurers
- High CD rates for now
- Your 3 choices during the grace period
- What’s included in a portfolio
- Why it can be a lackluster deal
- How to calculate adjusted gross income
- How to get Public Service Loan Forgiveness
- What it means to have FDIC insurance
- Pop culture
- How to choose the best mutual funds for you
- Coinsurance and copays
- How are bonuses taxed?
- What is the 10-year treasury yield today?
- Minimum down payment
- 4. Have fun with interactive content
- What to consider when opening CDs
- Mortgage payoff calculator help
- Investing for income: Dividend stocks vs. dividend funds
- Where State Farm falls short
- How are business credit scores calculated?
- SC Housing first-time home buyer programs
- Preapproval is not the same as pre-qualification
- Tools you can use
- How to retire early in 5 steps
- Why your credit card closing date matters
- Debt consolidation calculator
- 3. Ask for manufacturer coupons
- Do you need an FSA?
- Exactly what are liquid assets?
- Where USAA falls short
- 3. Search for independent scholarships and grants
- AAdvantage elite status requirements and timing
- Step 2: Pre-qualify and compare offers
- Credit age matters, but other factors matter more
- When to change your credit card due date
- AARP life insurance policies
- Trading in a car with positive equity
- Corebridge life insurance policies
- Indefinitely
- Types of funds
- Budget is your top priority
- What if I didn't make the 2024 tax deadline?
- Solo 401(k) contribution limits
- How can we separate our loans?
- How to invest in gold ETFs
- How to deal with a low appraisal
- How innocent spouse relief works
- Networks' purchase protection, compared
- What are the Walmart MoneyCenter hours?
- How do American miles compare to other airlines?
- How an adverse action notice can help you
- Taxes on 401(k) withdrawals
- How flexible are Flying Blue miles?
- 2. The card is an alternative to a HELOC, for better and worse
- Investing for income: Dividend stocks vs. dividend funds
- Calculating net worth: What are assets and liabilities?
- Why are Vanguard mutual funds so popular?
- What to do after you get a speeding ticket in California
- Automate savings
- How to fix your credit reports afterward
- Roth IRA income limits 2024
- What is the difference between Sam’s Club memberships?
- Average annual PMI premium
- Tax credits for people married filing jointly
- What are qualified dividends?
- Savings accounts with strong APYs can help your money grow
- Am I a resident for Arizona state income tax purposes?
- 2. Cincinnati, Ohio
- How to claim the property tax deduction
- Determining your income tax liability
- Certificates of deposit
- How might FICO 10 affect your score?
- How is the Student Aid Index used?
- What to include in your financial aid appeal letter
- Warning signs that you may have been selected for secondary screening
- Qualifying for a USDA-guaranteed mortgage
- 5. Let your customers peek behind the scenes
- State availability
- How to use average car interest rates
- 17 traditional banks that use Zelle
- Take an interest rate break
- When to choose a money market account over a savings account
- 4. Get adventurous on the water
- What is a Roth IRA account?
- NerdWallet’s budget planner
- How to know who your mortgage servicer is
- PMI calculator help
- About home equity loans
- How do REITs work?
- Requirements: Who qualifies for the child tax credit?
- Mortgage selection tips
- Dividend vs. growth stocks
- Goodwill letter template
- If you need student loan help
- Flexible financing and installment-loan options
- A potential ‘Hail Mary’ fix
- About 7 in 10 women learned how to choose investments
- Different levels of coverage
- Consider taxes on the inherited amount
- Are Vanguard index funds a good investment?
- Shift4Shop: Best for B2B sellers
- Spirit Airlines seat types
- How to calculate APY
- See CD rates by bank
- Use a budget planner
- 4. Search a coupon database or app
- Overall cost
- Changing the name on your passport
- What won’t change
- Are you paying more for less?
- 4. Crowdfund your education costs
- Credit cards
- Fiduciary duty vs. suitability standard
- Mega backdoor Roth 2024
- Get free advice
- When are state income tax returns due?
- Best life insurance for children: Pros and cons
- Best car insurance in Florida for your budget: Geico
- What tax records to keep
- Best car insurance in New Jersey for your budget: Geico
- Median down payment by age
- What can cause a 3-day closing delay?
- March
- When a gift card makes sense
- 3. Its rewards program is lucrative
- You’re OK with only redeeming for hotel stays
- Choose the least expensive high-interest debt
- Is Alaska premium class available on every flight?
- How brokers are paid
- Out-of-pocket limits
- 6. Play game show host
- More about Capital One
- Be ok with baby steps
- Who might prefer the Capital One Venture Rewards Credit Card
- What is a good inventory turnover ratio?
- The bottom line
- When debt consolidation is a smart move
- How to use a health care FSA
- 3. … But you can only redeem them at REI
- 3. Determine other ownership costs
- Your passport may need at least six months' validity remaining
- How did we determine our Flying Blue miles value?
- Banks flee New York
- 2. Keep working while you study
- Maximize every dollar safely
- Sky Club access rules announced
- What are AI stocks?
- What’s going on with layoffs in tech?
- The bear put spread
- Frugal entertainment tips
- Heat pump tax credit 2023
- Average daily balance
- Pros of infinite banking
- Find nonprofit student loan assistance
- Coupons.com
- Using Apple AirTags for luggage
- What is the point of the stock market?
- How to pay off a mortgage early
- All year
- Best car insurance companies: Our winners
- Types of innocent spouse relief
- Do personal credit scores affect business credit scores?
- How far in advance should I get preapproved for a mortgage?
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Do Southwest drink coupons expire?
- 12 credit unions that use Zelle
- Can you transfer Alaska miles to American?
- Treasury bill rates compared to other Treasury securities
- When is the best time to use American miles?
- 5. Visit retailer websites and apps
- 2. The difference between tax deductions and tax credits
- Travel
- Full Review
- USAA home insurance coverage
- How to redeem rewards on the Bank of America® Travel Rewards credit card
- Other student loan forgiveness programs
- How to reach Aidvantage customer service
- How much does a cashier’s check cost?
- What kinds of conventional loans are available?
- Sync your due date with your payday
- AARP customer complaints and satisfaction
- Your family size and location
- Freddie Mac Home Possible
- Trading in a car with negative equity
- Why might you decide to remain an authorized user?
- Why do lenders sell mortgage loans?
- REITs' average return
- How to claim the child tax credit
- California income tax deadlines and extensions
- How a savings account works: withdrawal limits
- Best car insurance companies: Our winners
- How are dividends paid out?
- Goodwill letter vs. credit dispute letter
- You want to rack up points
- 3. Pittsburgh, Pennsylvania
- 3. Decide on new, used or leased
- Apply extra student loan payments toward the principal
- Size comparison
- Keys to a higher score on the FICO 10 and 10T
- Is Solo 401(k) tax deductible? Solo 401(k) tax advantages
- Enjoy it
- What happens if you have a boarding pass with SSSS on it?
- Price vs. yield
- Loan limits
- 7. Put a face to the brand
- What is the fee for Global Entry?
- State Farm home insurance coverage
- Investor responses to bull market vs. bear market cycles
- Closing date vs. payment due date: What’s the difference?
- Star Alliance Lounges
- Try a simple budgeting plan
- What services are available at Walmart MoneyCenters?
- Card readers and apps
- Is HelloFresh worth it?
- Personal injury protection and medical payments coverage
- Is LifeLock worth the price?
- 3. Explore passively managed index funds
- 5. Spot wildlife from the water
- How does a Roth IRA work?
- Do you include a 401(k) in a net worth calculation?
- Ways to get good value
- What is a FICO score used for?
- Water
- Where to find your AGI on your 1040
- Sole proprietorship taxes: Special deductions
- FDIC insurance: What’s covered
- Average mutual fund return
- How much does it cost to buy Vanguard index fund shares?
- Are bonuses taxed differently?
- What you need to bring to the closing
- Save on drinks without Southwest drink coupons
- What to do when your credit card expires
- How to calculate your liquid net worth
- When to spring for premium economy
- 5. Discuss parent PLUS loans with your family
- Is identity theft insurance worth it?
- What if you can’t wait that long to renew your passport?
- How to choose a money market account
- How to book a business class ticket with Copa Airlines
- Who can open a joint business account
- More about AARP
- Securian Financial life insurance rates
- The Federal Trade Commission’s budget worksheet
- Types of state income tax
- Corebridge life insurance rates
- How to keep your tax records
- 2023 standard deduction married filing jointly
- Goodbudget, for hands-on envelope budgeting
- Report errors or ask questions ASAP
- Who qualifies for the energy tax credit?
- When are state taxes due in 2024?
- How to reduce your risk
- Gift tax limit 2024
- 8. Use LinkedIn Groups to expand your network
- Example of an appraisal gap
- How to get a personal line of credit
- How the Better Bureau Business decides on a BBB rating
- 6. Check the Sunday newspaper
- How do streaming services fit into your budget?
- Address reasons cited in adverse action letter
- 4. Find the right car for you
- Student loan cancellation programs
- 3. The rewards rate is high
- Average car insurance rates after a speeding ticket in California
- Prepare for next year’s taxes
- About home equity lines of credit
- Remember your CD’s maturity date
- How to stretch your rewards further
- Tips for avoiding late payments
- How to write off property taxes if you bought or sold a house this year
- There are better ways to transfer a house
- How much is car insurance in my state?
- How to look good no matter what score lenders use
- Is Medigap worth the cost?
- What to do if your appeal is unsuccessful
- Big Cartel: Best for small businesses with limited inventory
- Qualifying for a Single Family Housing Direct Home Loan
- Which card should you get?
- Are Treasury bills a good investment?
- How to use a dependent care FSA
- Point-of-sale hardware
- 4. You’ll get a solid introductory bonus plus yearly statement credit
- Pay more, earn more
- 6. Take a trip to Kennedy Space Center
- Net worth calculator
- 3. Get help from your employer
- How do you sign up for a Sam’s Club membership?
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- Frugal DIY project tips
- Types of REITs
- Average down payment by state
- How to claim the home improvement credit
- April
- 6 types of dividends
- 4. Atlanta, Georgia
- Other opportunities to pay off student loans faster
- Is it cheaper to fly to Oahu or Maui?
- Private student loan limits
- What you'll pay at closing
- 9. Partner with a fellow small-business owner
- How to get Global Entry through travel cards
- APR vs. APY: What’s the difference?
- How much should you spend on a mattress?
- Innocent spouse relief vs. injured spouse relief
- What is a good business credit score?
- The drawbacks of multiple IRAs
- What does inventory turnover ratio tell you?
- How do you find out how much equity is in your home?
- Are Walmart MoneyCenter services worth it?
- How to work HelloFresh costs into your budget
- 3. Taking the standard deduction vs. itemizing
- What's next?
- 6. Consider work-study programs
- Money market accounts vs. other accounts
- Spirit Airlines change fees
- Ways to get good value on Copa Airlines
- How do I know if I'm working with a fiduciary financial advisor?
- What if you're unable to change your due date?
- Options when 3% down is a challenge
- Your 401(k) plan allows after-tax contributions
- Keep your goal in mind
- How does a HELOC work?
- Other reasons to remove yourself as an authorized user
- How to contact your servicer
- Best car insurance in New Jersey for customer satisfaction: NJM
- Do I have to pay California state tax?
- 4 common types of portfolios
- The significance of adjusted gross income
- FDIC insurance: What’s not covered
- Women tend to be less confident, more anxious than men about investing
- CD vs. high-yield savings account: At a glance
- How to upgrade to premium class
- Redeeming points for Star Alliance awards
- Is it a good idea to consolidate credit cards?
- How has the value changed over time?
- How to open a brokerage account
- How many banks have collapsed?
- USAA home insurance rates
- Earning AAdvantage Loyalty Points through flying
- Student loan discharge programs
- How to apply for a joint business bank account
- What if I lose the cashier's check?
- 4. Interest rates are lower than the industry average
- Your tax status with your spouse
- Securian Financial customer complaints and satisfaction
- How does an unsecured loan work?
- The Financial Center Development Act is born
- Corebridge customer complaints and satisfaction
- Married filing jointly vs. separately
- Additional child tax credit
- Consider your legal options
- 4. Choose your car
- How to get a bigger property tax deduction
- How to choose a rent-reporting service
- Covering your spouse under your solo 401(k)
- RetailMeNot
- My experience getting SSSS on my boarding pass
- Gift tax limit 2023
- 10. Give back
- How to invest in dividend stocks
- 6. Pick up weekly ads at the store
- Integrations with accounting software
- Uninsured and underinsured motorist coverages
- Domestic vs. international fees
- More ways to take charge of your budget
- Final steps
- Which plumbing problems aren’t covered?
- How much to keep in your savings account
- Is the energy efficient home improvement credit refundable?
- 4. Points can't be transferred to other travel programs
- How to make an appointment at a passport agency
- What isn’t covered by personal property insurance?
- Why is the 10-year Treasury yield important?
- Mattress-buying tips
- W-4 form 2024
- Bear market vs. recession: What’s the difference?
- How does a debt consolidation loan work?
- Determine your annual FSA contribution
- 2. Ride the water taxi to Disney’s Wilderness Lodge
- 5. You can take the REI Co-op® Mastercard® on adventures abroad
- What’s next?
- 5. Contact the seller or visit a dealership
- 4. Think about how much you want to actively trade
- 7. Visit the largest surf shop in the world
- The caveats
- What can you invest in with a Roth IRA?
- Step 3: Choose your lender and loan
- Advantages of conventional loans
- Get more help with monthly budget planning
- How to invest in dividend stocks
- Your 401(k) lets you move your after-tax money
- How much of your fee goes to Upwork?
- Is a Sam’s Club membership worth it?
- The long straddle
- Dividend tax rate 2023
- Interest rate
- 5. Minneapolis, Minnesota
- What are the other 2024 tax deadlines to know?
- How to open a savings account or CD
- 7 steps to appeal your financial aid
- Spirit Airlines seating chart
- Mortgage insurance and fees
- 11. Create an eye-catching display
- Some not-so-great first investments
- If you want to use Southwest Airlines drink coupons
- How a personal line of credit affects your credit score
- What causes Treasury bill rates to fall?
- How flexible are American miles?
- 8. Look at the product packaging
- Deposit timing
- 7. Consider private student loans
- More about Securian Financial
- Compare your net worth
- Level up
- How to invest in AI stocks
- More about Corebridge life insurance
- Consider the costs of cashing out your 401(k)
- Grace periods at some banks
- How to calculate your credit
- May
- Cons of infinite banking
- How to check that all money in your accounts is insured
- How to open a solo 401(k)
- What is the stock market doing today?
- Ecwid: Best free way to add e-commerce to existing websites
- How the lifetime gift tax exclusion works
- Appraisal gap coverage limits your exposure
- Why you might still book rental cars in advance
- Advanced points hack: Earn Alaska and American miles elsewhere
- Do debt consolidation loans hurt your credit?
- Meanwhile, minimize the impact of inflation on your life
- Additional costs for international wires
- Pre-tax vs. Roth 401(k)
- 4. Delay enrollment and save
- Frugal home expenses tips
- What is California's standard deduction?
- LLC payroll taxes
- 5. Make your best deal
- Does paying rent build credit?
- Using points and miles to buy AirTags
- 12. Hit the streets
- How to apply online for Global Entry
- How compound interest works
- State Farm home insurance rates
- Best for emergency medical coverage: Allianz Global Assistance
- 2. Low-interest and balance transfer cards
- Why is home equity important?
- Contract periods
- Traveling without a passport
- Discounts
- How much does a fiduciary financial advisor cost?
- 5. Balance transfers are possible — but not advisable — with the Aven credit card
- Term of the month: The Buffett indicator
- What are fleet cards?
- Best car insurance in Florida for ease of use: State Farm
- FICO vs. VantageScore
- Best car insurance in New Jersey for ease of use: State Farm
- When to expect your child tax credit refund
- Alternatives to savings accounts
- What is the Medicare donut hole in 2024?
- What is your modified adjusted gross income (MAGI)?
- Americans perceive investing advantages, disadvantages for women
- Flying between Maui and Oahu
- Is Alaska Airlines premium class worth it?
- Enrollment time limits
- Are 10-year Treasury notes a good investment?
- How to find the 2024 W-4
- What’s the right number of IRAs?
- When debt consolidation isn't worth it
- 9. Browse store aisles
- 8. Head to the park
- Are Roth IRAs insured?
- Cashier’s check vs. certified check vs. money order
- Cheapest car insurance companies after a speeding ticket in California
- Other Roth IRA rules
- Dividend tax rate 2024
- Lingering questions
- Be prepared for your CD’s maturity
- How to start a portfolio
- 5. It comes with other travel goodies
- 6. St. Louis, Missouri
- Avoid the student loan scammers
- More U.S. passport photo requirements
- What happens when a bank fails
- Insurance broker vs. independent agent
- Ways to get the best USDA mortgage rates
- 13. Engage with your community
- Pros and cons of a personal line of credit
- Customer support
- Brokerage accounts are taxable accounts
- 3. Hike, fish and canoe at Disney's Fort Wilderness Resort & Campground
- Other ways to cut wire-transfer costs
- 6. Inspect and test-drive the car, if applicable
- When to get a CD
- How to buy Vanguard mutual funds
- You’ve got money left over for savings
- If you fly first class on Singapore Airlines
- What to consider before you begin investing
- What part of my income gets taxed by California?
- How to avoid business loan default
- What percent down payment do you need for a house?
- 5 things to know about Arizona state income tax
- How do you get out of the Medicare donut hole?
- 6. Keep your deal clean
- Extra personal property coverage for valuable items
- Third-party options
- Upside
- What is stock market volatility?
- How can you reduce SSSS markings in the future?
- First-time home buyer programs near South Carolina
- What about my goals besides retirement?
- Tips to find cheap flights any day of the week
- Next Steps:
- Home equity takes time to build
- How did we determine the value of American miles?
- Collision and comprehensive coverages
- Why liquid assets are important
- Why did First Republic Bank fail?
- Compare Roth 401(k) vs. traditional 401(k)
- 5. Learn about dollar-cost averaging
- Step 4: Gather loan documents
- Is a robo-advisor a fiduciary?
- Your spouse’s federal student debt
- How do fleet cards work?
- Credit cards today
- 2023 state income tax rates and brackets
- Medallion Qualifying Miles rollovers
- How to find AI ETFs
- How do I get a FICO score?
- EveryDollar, for simple zero-based budgeting
- U.S. passport agency locations
- How to file your sole proprietorship tax returns
- How much is car insurance by company?
- 3 tips to control central air conditioning installation costs
- How do you buy Vanguard Index fund shares?
- 14. Plan an event
- Other stock market changes: Dips, corrections and crashes
- Next steps
- 10. Check your receipts
- A recession? You've already been through one or more
- 7 ways to reduce your 401(k) taxes
- 9. Visit a local museum
- HELOC requirements
- How to report dividend income on your taxes
- 2024 child tax credit news update
- June
- Days in the cycle
- Can I take my own passport photo?
- Mutual fund fees
- Next steps
- WooCommerce: Best e-commerce plug-in for WordPress users
- 2024 lifetime gift tax exemption
- How do you buy 10-year Treasury notes?
- Is APY variable?
- Discounts
- Do I have to update my W-4 every year?
- 4. Keep an eye on popular tax deductions and credits
- Consumer complaints
- How to open a CD
- Roth IRA eligibility rules
- How to complain about Aidvantage
- How to do well on Upwork
- How much does it cost to open a liquor store?
- Is there any insurance that covers the donut hole?
- 7. Cleveland, Ohio
- Takeaways for first-timers
- How to minimize the tax impact of a bonus
- 15. Welcome new neighbors
- You can’t transfer miles between American and Alaska, but you can use points with either airline to book flights with the other
- The bottom line
- How can I avoid cashier's check fraud?
- Million Miler changes
- When did all of the tech layoffs start?
- The long strangle
- Full list of the best car insurance in Florida
- Full list of the best car insurance in New Jersey
- Power and lighting
- Am I a resident for California state tax purposes?
- LLC self-employment taxes
- Lodge a student loan complaint
- When will I get my refund?
- Reconsideration for PSLF applications
- Dress code for a passport picture recapped
- How to pick seats on Spirit Airlines
- Credit score requirements
- National first-time home buyer programs
- 11. Use social media
- 4. Shop, dine and play at Disney Springs
- Cheaper ways to send money
- 7. Determine which warranties are right for you
- Where to buy identity theft insurance
- Why are passport processing times suddenly so slow?
- CD vs. savings account
- Bottom line
- 5. Cover any remaining gaps with loans
- How to get a home equity line of credit
- How to control your dividend tax bill
- Are there ways to avoid the Medicare Part D donut hole?
- How do you invest in the stock market?
- Do you pay tax on T-notes?
- 16. Use email
- How to improve your liquid net worth
- Why did Silicon Valley Bank fail?
- Which is better?
- Consumer experience
- Other ways to earn AAdvantage Loyalty Points
- Final thoughts on Copa Airlines business class
- Is Upwork the right freelance marketplace for you?
- Where to find the best savings accounts
- How to evaluate dividends
- Other ways to buy insurance
- Consumer complaints
- Why do I need a business credit score?
- How to adjust your Form W-4
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How to earn Hilton Honors points quickly
- Brokerage accounts vs. IRA
- Fees to check in and obtain your boarding pass for your Spirit flight
- Recap: How to get a cashier's check
- Next steps
- July
- What's next?
- Is the Medicare donut hole going away in 2024?
- 8. Irving, Texas
- Ibotta
- What are the best Vanguard index funds?
- Who pays the gift tax?
- 17. Start a podcast
- Gap insurance
- CD vs. bond
- How to settle a dispute with Aidvantage
- Should you get a secured or unsecured personal loan?
- Should you file a claim for plumbing problems?
- New choice benefits for SkyMiles elites
- Could we be in an AI bubble?
- Why you can trust NerdWallet
- Why you can trust NerdWallet
- Additional considerations
- LLC sales taxes
- Can you get a passport in one day?
- Can you lose money in mutual funds?
- How to finance central air installation
- Cash bonuses on cards with an annual fee
- Freewebstore: Most customizable e-commerce website for the price
- Spirit Airlines seat selection fees
- Are these the best dividend stocks?
- Consumer experience
- 3. Credit-building cards
- 5. Know what tax records to keep
- What's next?
- Step 5: Submit your application and get funded
- How much can you borrow with a HELOC?
- Alternatives to infinite banking
- Tax Day resources
- Do you pay taxes when you receive a gift?
- 18. Start a blog
- How do I get my business credit score?
- 5. Dine and dance at Disney’s BoardWalk
- 8. Negotiate the best price
- Renew your U.S. passport now
- What’s a spousal Roth IRA?
- What are the best dividend stocks?
- Fleet fuel cards: benefits and drawbacks
- 2024 state income tax rates and brackets
- 9. Jersey City, New Jersey
- The bottom line
- Apple tag trackers recapped
- Maximum debt-to-income ratios
- Final thoughts on the best Hilton hotels in Hawaii
- Traveling with a maiden name on passport recapped
- USAA vs. competitors
- Types of CD strategies
- More eligible properties could help
- Consequences of a child tax credit error
- Empower Personal Dashboard, for tracking wealth and spending
- What’s a good down payment for a house?
- Home shopping tips
- How much money can you make on YouTube?
- 19. Host a webinar
- Is Global Entry worth it?
- Fees to select a seat ahead of time
- August
- As a last resort, contact your member of Congress
- How much personal property insurance do you need?
- FDIC insurance limits and ownership categories
- How much is auto insurance based on your driving record?
- The bottom line
- Is the gift tax deductible?
- Comparing personal lines of credit to other financing options
- Why did Signature Bank fail?
- How to prevent plumbing problems
- LLC tax forms and deadlines
- Learn more about cash value life insurance
- Maui vs. Oahu, recapped
- 20. Find opportunities to share your voice
- The synthetic long
- Pros of investing in REIT stocks
- 10. Washington, D.C.
- Dosh
- Next steps
- Shopify Starter: Best low-cost e-commerce platform
- How much is the gift tax rate?
- If you’re considering Emerald Club
- Other car insurance types
- 9. Maximize trade-in value, if applicable
- Roth IRA vs. traditional IRA: What's the difference?
- State child tax credits
- What homeowners insurance won't cover
- How to get a passport in 24 hours
- 21. Serve as an expert media source
- Best for those who pack expensive equipment: Travel Insured International
- 6. Sail on the Friendship Launch boats
- 6. Tweak your W-4
- What are CD rates right now?
- Are conventional 97 LTV loans better than FHA?
- What's the best Vanguard mutual fund?
- Other types of tax preparers
- State Farm vs. competitors
- What’s next?
- Fuel card vs. business gas credit card
- Is getting a HELOC a good idea?
- Should you invest in AI stocks?
- Cons of investing in REIT stocks
- September
- When to file sole proprietorship taxes
- Bonuses that vary with spending
- Earn an audience, and earn more in the long run
- Average mortgage rates
- 22. Maintain your Yelp page
- What’s happening with Silvergate Capital Corp.?
- What activity doesn't earn Loyalty Points?
- Fees for in-flight refreshments
- Dates that could move markets this month
- What is the $500 credit for other dependents (ODC)?
- Are dividends taxed?
- Spirit Airlines fee bundles
- 7. Take in views on the Skyliner
- 10. Make the purchase
- LLC tax tips for business owners
- Our methodology
- One-time IDR account adjustment for PSLF borrowers
- How to make a personal property claim
- Common gift tax return triggers
- 23. Target industry-specific review sites
- What happened to Credit Suisse?
- What are promotional CD rates?
- The worst way to use your Marriott Bonvoy points
- Investing in REITs: How to get started
- Child tax credit vs. child and dependent care credit
- California state tax credits
- Next steps
- Examples of FDIC insurance limits and coverage
- What is credit card consolidation?
- Final thoughts on American Airlines Loyalty Points
- In-cabin pet fee
- How to open a Roth IRA in 4 steps
- Receipt Hog
- Taxes on bonuses: The bottom line
- How to choose a free e-commerce website builder
- Other ways to make money
- 24. Invest in low-cost Facebook advertising
- W-4 calculator
- Early retirement calculator
- 7. Tax strategies to shelter income or cut your tax bill
- What is a tax consultant?
- PocketGuard, for a simplified budgeting snapshot
- October
- How to Improve Your BBB Rating to Get to A+
- 25. Sell online
- How does credit card consolidation work?
- 8. ‘Safari’ at Disney's Animal Kingdom Lodge
- Priority boarding and security access
- Investing
- Does your business need a fleet fuel card?
- Should I use a CPA or tax accountant?
- Alternatives for the best life insurance for kids
- Best for adventurous travelers: World Nomads
- Are other banks are in trouble?
- Is it better to get a home equity loan or line of credit?
- The bottom line
- 26. Try guerrilla marketing
- What else to know about Form W-4
- If you want to redeem Marriott Bonvoy points ...
- The final word
- Reconsideration for rejected PSLF applications
- Small business card bonuses
- Unaccompanied minor fees
- More about top-rated life insurance companies
- November
- 27. Hand out business cards
- Should I take my money out of the bank?
- Rakuten
- OK, what's next?
- Is consolidating credit card debt a good idea?
- 9. Watch the fireworks
- What to do if you can’t keep up with your HELOC payments
- Spirit Saver$ Club
- 28. Utilize SEO best practices
- The bottom line
- A final thought
- Best stocks for beginners
- Bundle packages
- Home purchasing tips
- 29. Target the mailbox
- Can I still use my credit card after debt consolidation?
- Are we in a recession?
- Spirit Airlines seat selection for elite members
- Mortgages
- Honeydue, for budgeting with a partner
- December
- Does homeowners insurance cover ... ?
- Don't qualify for PSLF? You have other options for relief
- 30. Send out press releases
- Best for medical coverage: Travelex Insurance Services
- Other cash-back apps to consider
- How to track your California state refund
- 31. Use bulletin board flyers
- How to find out if your bank is FDIC insured
- Shopkick
- The bottom line on investing in stocks
- Are we headed for a depression?
- Cheapest car insurance by state
- Spirit Airlines seat selection recapped
- 32. Give out branded merchandise
- Types of homeowners insurance policies
- CoinOut
- California state sales tax
- Swagbucks
- 33. Create a referral program
- Budgeting resources from NerdWallet
- How to make money from home
- How much is auto insurance for good and poor credit?
- What if you're not eligible?
- Credit cards do cash back too
- Fees across U.S. airlines
- 5 things to know about California state tax
- Best if you have travel credit card coverage: Seven Corners
- How to get cheap car insurance
- How we picked the apps
- The bottom line
- Personal loans
- Methodology to identify the best budget apps
- What are the Roth IRA withdrawal rules?
- Risks of getting cheap auto insurance
- How homeowners insurance works
- Best for long-term travelers: IMG
- How much is auto insurance based on age?
- Student loans
- How to find the right business idea for your small town
- How to make money offline
- Best for travelers with unpredictable work demands: Tin Leg
- Taxes
- Travel rewards
- Full list of the best car insurance companies
- How to choose a startup idea
- Full list of the best car insurance companies
- How much is auto insurance based on gender?
- Best for booking travel with points and miles: TravelSafe
- The bottom line
- Best car insurance companies by state
- Best car insurance companies by state
- How much is auto insurance based on vehicle type?
- How to find the best car insurance
- Best for group travel insurance: HTH Insurance
- How to find the best car insurance
- What else affects my car insurance cost?
- How to get cheap car insurance
- Types of travel insurance
- What does travel insurance cover?
- Watch out for making money scams
- What’s not covered?
- How much does it cost?
- Do I need travel insurance?
- How to choose the best travel insurance policy
- What are the top travel destinations in 2024?
- More resources for travel insurance shoppers
- Top credit cards with travel insurance
- Methodology
January
With a fresh page on the calendar comes a fresh start for sales. These items are discounted in January:
Bedding and linen. Department stores hold bedding and linen “white sales” in January with deep discounts on sheets and towels.
Fitness equipment. Retailers will meet goals to get in shape with decent deals. Expect workout gear and apparel sales to abound at sporting goods stores. (Tip: Tread lightly on a treadmill purchase unless you're sure you’ll use it. It’ll always be cheaper to walk around the block.)
TVs and electronics. Just before the Super Bowl, retailers normally discount TVs and other home theater essentials.
Mark your calendar: Martin Luther King Jr. Day is Jan. 15.
Freebie day: National Spaghetti Day is Jan. 4.
February
It’s the month of love and gift-giving, but February might be a better time to buy major items for yourself than trinkets for your loved one. Options include:
TVs. Television sales spill over from January into February ahead of the Super Bowl. Aside from Black Friday, this is one of the best times to buy a TV.
Winter items. With winter winding down, retailers will be looking to unload inventory of cold-weather products. Look for sales on apparel and winter sports gear that you'll need later in the year.
Home goods. Expect retailers to put home stuff on sale for Presidents Day and the weekend preceding the holiday.
Leftover chocolate. The savvy couple does Valentine’s Day a week late to save a buck. Grab a heart-shaped box of candy on Feb. 15, when stores will be discounting their Valentine’s Day leftovers. It’ll be easier to get a dinner reservation after Feb. 14 too.
Mark your calendar: Super Bowl Sunday is Feb. 11, Valentine's Day is Feb. 14 and Presidents Day is Feb. 19.
Freebie day: National Frozen Yogurt Day is Feb. 6.
March
There aren’t any major shopping holidays in March, but that doesn’t make for a total lack of sales. Look for deals on these products:
Tax software. Retailers like to discount tax software in March, ahead of Tax Day in April.
Grills. Buy your summer grilling necessities now to avoid a spike in prices when summer arrives.
St. Patrick’s Day essentials. Around St. Patrick’s Day, online retailers and department stores usually discount green clothing, party supplies and jewelry.
Vacuum cleaners: Some retailers will be ready to reward early spring cleaners with a deal on a Dyson, Shark or other brand of vacuum.
Mark your calendar: St. Patrick’s Day is March 17 and Easter Sunday is March 31.
Freebie day: Pi Day is March 14, because 3.14 (get it?).
April
April has its fair share of spring deals and discounts, including:
Vacuums. April is the real cleaning month and will bring more deals on vacuums. Look for markdowns at department stores as well as on manufacturers’ websites.
Tax-themed items. Year after year, retailers and restaurants try to lighten the burden of Tax Day with discounts and freebies on services like paper shredding. Keep an eye out for these around mid-April.
Beauty products. Time to get outside and look your best. The Sephora spring sale is usually this month.
Sustainable items. To celebrate Earth Day, be on the lookout for retailer deals on sustainable items, such as reusable totes and water bottles, sustainably made clothing and other “green” products. Is this the year you start composting? We support that.
Mark your calendar: Tax Day is April 15.
Freebie day: Earth Day is April 22.
May
April discounts give way to more in May. Here’s a look at some items to consider buying this month:
Spring apparel. By May, retailers will discount spring clothing that has already been hanging on racks for a month or two.
Furniture. Three of the biggest blowout shopping days are Black Friday, Labor Day and Memorial Day. Memorial Day is in May, so look for furniture and home decor discounts from big-box stores.
Small kitchen appliances. Use May discounts as an opportunity to buy small kitchen appliances, such as coffee makers and blenders. Typically, these products are included in Memorial Day sales, and they make great gifts for upcoming summer weddings.
If last year’s shopping research is any indication, prices on select kitchen gadgets could drop the Friday before Mother’s Day.
Mark your calendar: Mother’s Day is May 12 and Memorial Day is May 27.
Freebie day: National Hamburger Day is May 28.
June
June is short on days, but long on the list of deals. Smart purchases include:
Lingerie. Stock up on undergarments in June. That’s when Victoria’s Secret, for example, has been known to host its famous semiannual sale. The sale also typically occurs in December.
Other semiannual sales. The midway point is known for sales at lots of stores. In past years, we’ve seen stores like Bath & Body Works and Brooks Brothers hold semiannual sales in June.
Gym memberships. Consider buying a gym membership during the summer, and be sure to negotiate for the best deal. Gyms may be eager for sign-ups when people are more likely to spend time outside.
Tools and other dad gifts. In preparation for Father’s Day, many retailers will offer deals on a variety of power tools and outdoor gear, as well as things like men’s clothing. Solo Stove has discounted its portable fire pits around this time in the past.
Mark your calendar: Father’s Day is June 16.
Freebie day: National Doughnut Day is June 7.
July
In July, prices drop like it’s hot. Consider buying these:
Summer apparel. The sun is still out, but demand for summer clothes starts to go down. So, buy up shorts, tanks and flip-flops while stores make it worth it. Buy only what’s on sale, though.
July Fourth items. Retailers like a reason to celebrate. In the days leading up to Independence Day, there’s usually an abundance of sales on red, white and blue products, as well as on barbecue and backyard items, sporting goods, jewelry and furniture.
Personal electronics on Prime Day. Amazon’s Prime Day happened on July 11 and 12 in 2023, so you can likely expect similar timing in 2024. It’s basically Black Friday in July, and it’s a hot sale for electronics and gadgets, among other categories. It also drives other retailers to compete with copycat sales.
School supplies. Kids won't want to think about the end of summer yet, but retailers start putting school supplies on sale in late July. If you have supply lists in hand, shopping back-to-school early can help you avoid the August rush.
Mark your calendar: Independence Day is July 4.
Freebie day: National Ice Cream Day is July 21 and National Lipstick Day is July 29.
August
Close out summer by buying summer products? That’s right. Look for end-of-season clearance sales in August on:
Back-to-school supplies. The start of school marks the need to buy low-cost items such as notebooks and pencils and more expensive ones like calculators and laptops. Generally, the closer to the start of the school year you buy, the better your chances of getting a good price.
Backyard products. Ride out the end of summer with a big deal on lawn mowers and other seasonal outdoor equipment, like a grill.
Swimsuits. There may not be many swimming days left by the time August rolls around, but that’s exactly why swimsuit clearance sales will crest. Buy swimsuits now for next year.
Tax-free shopping. Back-to-school can be expensive. However, to aid in the purchase of school supplies, clothes, personal computers and other approved necessities, many states offer a tax-free weekend. If yours does, check the date and have your list ready.
Mark your calendar: For many school districts, the first day of school is in August.
Freebie day: National Waffle Day is Aug. 24.
September
With deals on items as varied as mattresses and pool toys, September is a surprising month for good buys. Score reasonable prices on these:
Mattresses. Year after year, September is a good time for mattress sales. Expect deals from department stores and mattress centers, usually as a part of Labor Day promotions.
iPhones. Apple often announces its latest iPhone lineup and other products in September. The unveiling is usually followed by a drop in prices on the models that have been around awhile. Check out used iPhones around this time too.
Appliances. Expect a series of blowout deals in the week leading up to Labor Day, including promotions on appliances big and small.
Mark your calendar: Labor Day is Sept. 2.
Freebie day: National Cheeseburger Day is Sept. 18.
October
Retailers won't ghost you in October. There will be plenty of deals on these product categories:
Outdoor furniture. Expect deals on patio furniture and outdoor living products when the weather turns cool.
Jeans. Fall inventory arrives in stores in August and September, but you’ll pay top dollar unless you wait a few weeks. October is a great time to buy a new pair of jeans.
Candy. The closer you get to Halloween, the better your chances of snagging a discounted bag of candy for trick-or-treaters.
Holiday gifts. Amazon has held a Prime Day-like shopping event in October for the past two years. The multi-day event sparked similarly-timed sales from retailers like Target, Walmart and Best Buy and featured deals that rival Black Friday and Cyber Monday. These events have made early October a top time to buy gifts or things you need for yourself.
Mark your calendar: Columbus Day and Indigenous Peoples Day are Oct. 14 and Halloween is Oct. 31.
Freebie day: National Taco Day is Oct. 4 and National Dessert Day is Oct. 14.
November
November is the real month for Black Friday sales, which means some of the most popular technology products fall to their lowest prices. Expect most retailers to offer some kind of deal on products in nearly every category — not just on Black Friday, but throughout the month.
Electronics. Gadgets like TVs, tablets and laptops take center stage during Black Friday sales. Look for discounts on headphones, smart speakers and activity trackers, too.
Clothing. November has to be the busiest month for clothing catalogs. Scan the brands you like for discounts, and shop stores like Gap, Land’s End and American Eagle directly online for surprise coupon codes.
Streaming subscriptions: As if you need another password to remember, November has become a great time to sign up for a new streaming service. Popular content providers like Hulu and Paramount+ have offered solid subscription discounts during extended Black Friday sales in the past.
Mark your calendar: Thanksgiving is Nov. 28 and Black Friday is Nov. 29.
Freebie day: National Sandwich Day is Nov. 3.
December
The end of the year is just the beginning of discounts in some product categories. Look for sale prices on these items in December:
Electronics. Those Black Friday electronics deals from late November will spill over into the new month.
Small kitchen appliances. Cyber Monday 2024 falls on Dec. 2, and it’ll likely be a great time to get an air fryer. NerdWallet monitored prices on 10 popular products during every major sale of 2023. Each of the three kitchen gadgets on our list — an air fryer, stand mixer and coffee machine — hit low prices on Cyber Monday.
Toys. Toys are popular holiday gifts, and stores generally drop prices as the season draws to a close. Look on Black Friday but buy in December.
Christmas decorations. Beginning the day after Christmas, shop sales for deep discounts — often upward of 50% — on decorations, wrapping paper, ornaments, artificial trees and similar seasonal fixings.
Mark your calendar: Christmas is Dec. 25. Hanukkah starts Dec. 7.
Freebie day: National Cookie Day is Dec. 4.