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.
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- 3. A character meal
- What’s the best way to leave a tip?
- The pros and cons of investing in tech stocks
- 2. You'll get exclusive perks and benefits
- 2. Build a money management blueprint
- How to fill out Schedule C
- How to avoid voluntary repossession
- What is the fastest way to cash a check?
- Types of withholding and payroll tax
- How much is YouTube TV for 1 year?
- 5. Dash cam
- How is PCE calculated?
- 4. There are no rewards or other benefits
- Foreign transaction fees by bank or credit union
- Check your debt-to-income ratio
- 3. Sephoras inside other retail stores don’t count
- What about booking luxury hotels last-minute?
- March
- Who has to pay self-employment tax?
- State availability
- 5. How profitable is your business?
- Medicare Part A (hospital insurance)
- 3. You can earn a small sign-up bonus
- 2. Capital One hopes to expand its digital banking reach
- Do all workers earn at least the minimum wage?
- What can cause a 3-day closing delay?
- Episode transcript
- How to get rid of a tax levy
- Benefits of a business debt schedule
- Transportation
- Types of credit
- How to avoid foreign transaction fees
- Avoid risky concentrations
- 3. Lease a car
- Best car insurance in New Jersey for your budget: Geico
- Is a HELOC a good idea?
- Best whole life insurance policies for 2024
- What’s the difference among the three Southwest fare types?
- How brokers are paid
- You only need one S&P 500 ETF
- 4 more ways to estimate how much life insurance you need
- 6. Avoid online grocery shopping
- 5 ways to make money on Instagram
- Overdraft fees by institution
- How to buy AI ETFs
- All year
- When is the best time to use American miles?
- 2024 tax refund schedule
- Getting ready for a recession
- Best car insurance companies: Our winners
- OASDI limit 2023
- Faster rollout of new banking technology
- How to calculate your net worth
- Find nonprofit student loan assistance
- Are game show winnings taxed differently than gambling winnings?
- Do personal credit scores affect business credit scores?
- Retirement savings by age
- Tax liability of RSUs
- Mutual of Omaha life insurance rates
- What are the drawbacks of federal student loans?
- 4. Open the mobile deposit function in your bank app
- State availability
- How to calculate your home office tax deduction
- 2. Decide how much to invest
- What items can be deducted on Schedule A?
- Best homeowners insurance in California for coverage: Chubb
- Sync your due date with your payday
- Marriott Bonvoy elite status benefits
- When to consider bank CDs over brokered CDs
- How to calculate debt-to-income ratio for a mortgage
- Pros and cons of virtual reality stocks
- Accommodation
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Best North Carolina car insurance for your budget: Progressive
- 4. Pair smart saving with smart spending
- Why is OpenAI in the news so often?
- Renewing a stop payment costs money, too
- 2. Empower: Best for fast cash
- 3. Exclusive merchandise for purchase
- What Medigap Plan G covers
- Other good ways to pay abroad
- 3. Delta Sky Club (Terminal 3)
- How much does a cashier’s check cost?
- How a policy’s performance is calculated
- Other student loan forgiveness programs
- Follow-up email template
- Card readers and apps
- How to claim the child tax credit
- The basics on leasing
- Are I bonds a good investment?
- Price vs. yield
- How are dividends paid out?
- Investor responses to bull market vs. bear market cycles
- Other benefits of the AmEx Delta Reserve credit card
- But I don't have enough to max out an IRA!
- Postal mail
- Is a Southwest Airlines upgrade worth it?
- Best car insurance companies: Our winners
- How does a Roth IRA work?
- MBA salaries and student loans
- How a savings account works: withdrawal limits
- California income tax deadlines and extensions
- How to set up a payment plan with the IRS
- Types of adjustable-rate mortgages
- 3. Property tax deduction
- Top alternative lenders for small businesses
- Top 8 Bitcoin strategy ETFs by fee
- 6. Tunes, directions and apps
- Prudential life insurance rates
- REITs' average return
- Best homeowners insurance in Florida for coverage: State Farm
- 2024 Section 179 deduction limit
- Employer identification number (EIN)
- 5. Embrace the learning curve
- Where to get a commercial loan
- Where do the credit reporting bureaus get their data?
- Best homeowners insurance in Oregon for coverage: Openly
- Coinsurance vs. copay
- 4. Diversify your crypto
- Do you include a 401(k) in a net worth calculation?
- How does a life insurance trust work?
- Possible reasons why your minimum payment increased
- Assuming a court fight is inevitable
- Why is Bitcoin still popular?
- Long-term rentals
- Then get a baseline of your expenses
- Capital One Venture Rewards Credit Card: Our Pick for Basic Travel Rewards
- The Federal Trade Commission’s budget worksheet
- 4. Work on your credit
- Estimate your MBA salary and true MBA cost
- State and institutional FAFSA deadlines
- Is it worth it to cash a savings bond?
- Comparing stocks and bonds
- Average mutual fund return
- How do I check my tax return status?
- OASDI limit 2024
- How much does it cost to buy Vanguard index fund shares?
- Factors that affect the cost of car insurance
- Mishandled luggage
- How does Babbel fit into your budget?
- Why doesn’t Zelle send you a 1099?
- Is gap insurance worth it?
- 45,000 Turkish Miles&Smiles each way from U.S. to Europe
- What are the credit score ranges?
- 4. Credit card rewards work in tandem with the Beauty Insider program
- What do U.S. passport status updates mean?
- Applied for a card before closing? Don’t panic
- Best in Texas for having few consumer complaints: Chubb
- Who can open a joint business account
- 6. Does the work align with your mission?
- What to know if you take online surveys
- 3. It’s free of some fees
- How to find and interview real estate agents
- 4. Reach out to your financial institutions
- 5. The Ritz-Carlton Orlando, Grande Lakes and JW Marriott Orlando, Grande Lakes (Marriott Bonvoy)
- Savings account simple interest vs. compound interest
- Cheap car insurance in Texas by age
- AAA life insurance rates
- Types of state income tax
- Key consideration: Survivor benefits
- How to book a hotel without a credit card
- Rainy day savings strategies
- How to book an Alaska Milk Run
- Water
- Will Medicare pay for Ozempic for weight loss?
- 4. The Coupons App
- Where to exchange currency outside the U.S.
- Who is eligible for a traditional IRA?
- How to unfreeze your credit
- Request missing miles for other MileagePlus partners
- Can you fly with an expired passport?
- 7. Calculate your burn rate
- 4. Find the right car for you
- Cheap car insurance in California by age
- The four options market participants and their incentives
- LLLPs: Advantages and disadvantages
- Goodbudget, for hands-on envelope budgeting
- Glossary of overdraft terms
- CASH BACK CREDIT CARDS
- Other Frontier fees
- What does Peoples Health Medicare Advantage cost?
- The cost of debt without a balance transfer
- 1. High-yield savings accounts
- Why is net worth important?
- How do streaming services fit into your budget?
- When to choose the Chase Sapphire Preferred® Card
- 3. Reward redemption options are extremely limited
- REPAYE vs. other income-driven plans
- Make sure you’re financially prepared
- How much are American Express Membership Rewards points worth?
- MassMutual customer complaints and satisfaction
- When voluntary repossession makes sense
- Does YouTube TV allow password sharing?
- 5. Take clear pictures of the check with your mobile device
- If you own a home, you could say goodbye to PMI sooner
- 7. Massaging and heated seats
- 3. The sign-up bonus is sizable
- Top credit cards that offer preapproval without a hard pull
- Eye-popping interest rates
- Local sales
- Caveats about UTMA and UGMA accounts
- How employers can counteract the temptation to cash out
- Grow credit with good habits
- The Hartford/AARP home insurance coverage
- Medicare Part B (medical insurance)
- 4. Peer-to-peer lending
- 4. You'll need to go through a multi-step approval process
- 3. Discover would remain its own brand
- Travel-friendly features
- Staying safe
- Report errors or ask questions ASAP
- The Fed keeps the economy on a diet
- How to transfer Bilt Rewards
- Food
- The bottom line
- Flag any issues, and talk to the lender
- 3. Don’t ask for too much cash
- 3. Your rewards won't have nine lives
- Does Max cost the same as HBO Max did?
- What Medigap Plan G doesn’t cover
- How to get a refund if a flight cancels or changes times
- Why to get a life insurance illustration
- Student loan cancellation programs
- Point-of-sale hardware
- What special features does the Robinhood IRA have?
- Paying the VA funding fee
- How to get a home equity loan
- Do you have to contact anyone to switch from SSDI to Social Security?
- How do you set up a lady bird deed?
- Is the OASDI tax mandatory?
- Other features that may be similar
- Algo details and FAQs
- Mutual of Omaha complaints and customer satisfaction
- About home equity lines of credit
- How does Spotify fit into your budget?
- Progressive home insurance coverage
- The bottom line on calculating your cash flow
- Qualifying for a Single Family Housing Direct Home Loan
- Apply for Clear (maybe)
- 5. Pre-qualify without affecting your credit score
- ‘Hummer tax deduction’: Which vehicles does Section 179 cover?
- How to pay self-employment tax
- Buy a standard policy and cancel it early
- 4. There’s no welcome offer
- How do you sign up for a Sam’s Club membership?
- Customer experience
- Copay vs. deductible
- Net worth calculator
- USAA renters insurance coverage
- Chase Sapphire Reserve®
- What does it mean for inflation?
- Midrange CDs (2-3 years)
- 3. Enroll in autopay
- Careless driving
- How are dividends taxed?
- What's next?
- What doesn’t impact your life insurance premium
- Buying call options vs. buying put options
- Top 3 index funds for the Nasdaq-100
- 6 types of dividends
- Should you buy growth stocks?
- What if you can’t afford to tip or choose not to?
- How much should you spend on a mattress?
- Why haven't I received my tax refund?
- How to keep your head above water after winning a game show prize
- Schedule C: Tips and tricks
- General partnership
- 4. Deduction for repairs
- What is a good business credit score?
- Selling vested shares
- How to check your tax withholding
- How do you find out how much equity is in your home?
- Prudential customer complaints and satisfaction
- How to choose less crowded (and cheaper) travel days
- PCE vs. CPI
- Airbnb hacks and strategies to avoid overpaying
- Labor costs
- Types of REITs
- How do I avoid foreign transaction fees on my debit card?
- Find out how much home equity you have
- April
- How hazard insurance works
- What if you're unable to change your due date?
- The bottom line
- What else should I consider?
- States that have estate taxes, inheritance taxes or both:
- How does a HELOC work?
- 6. TownePlace Suites Orlando at SeaWorld (Marriott Bonvoy)
- How much interest will I earn on $10,000?
- Cheap car insurance in Texas for 20-year-olds
- Tips for taming your minimum
- Should I just use cash instead?
- Why the Roth IRA works for many savers
- 4. Talk to your lender
- 4. Complimentary glam services
- Spirit Airlines change fees
- 4. American Airlines Flagship Lounge (Terminal 4)
- 8. Follow your favorite brands
- Why the Chase Freedom Flex℠ is better for optimizers
- Cheapest for 20-year-old drivers
- How much can you make with I bonds?
- Federal FAFSA deadline
- Do I pay taxes when I cash in savings bonds?
- How to get overdraft fees waived
- How AAdvantage elite upgrades work on Alaska Airlines
- Most popular cash back card reviews
- Why should I contribute to my IRA?
- Secure websites
- How much does a Southwest flight upgrade cost?
- How has the value changed over time?
- What's changing for small-business cards
- Do I have to pay California state tax?
- How to consolidate private student loans
- Colonial Penn customer complaints and satisfaction
- How MassMutual compares to other insurers
- Does YouTube TV offer offline viewing?
- Pros and cons of HomeStyle renovation loans
- How to get gap insurance
- Who might prefer the United℠ Explorer Card
- The Bitcoin ETF price war
- OpenSky® Secured Visa® Credit Card
- Media company strikes in 2024
- Simplified version vs. actual expense deduction
- 3. Open an investment account
- Maintain and defend your scores
- 5. Reward redemption is limited
- How long does passport processing take?
- Buying a brokered CD: the details
- How to open a brokerage account
- How to apply for a joint business bank account
- How to buy virtual reality stocks
- 5. Prepare yourself, no matter the outcome
- 5. Tax-loss harvest
- Ways to reduce credit card interest
- Best for comprehensive coverage: Cigna
- Best car insurance in New Jersey for customer satisfaction: NJM
- Does Medicare cover Wegovy?
- Final thoughts on requesting missing United miles
- How many banks have collapsed?
- What if I lose the cashier's check?
- Chase Sapphire Reserve®: Our Pick for Travel Perks
- Student loan discharge programs
- Bank of America® Customized Cash Rewards credit card
- Fixed-income investments and rising interest rates
- Integrations with accounting software
- More ways to take charge of your budget
- Additional child tax credit
- The annual fee is worth it if:
- Buying bundles: the Works and the Perks
- How to increase your net worth
- 3. Redemption is flexible ...
- How to invest in dividend stocks
- Consider your legal options
- Flight diversions
- Find and compare small-business loans
- Secured is better and cheaper
- Schedule A tips and tricks for itemizing
- Best homeowners insurance in California for consumer experience: Nationwide
- Why you may not want to book last-minute
- Can other types of data help my credit reports?
- Tax deductions for self-employment
- Impact on home buyers
- Is a robo-advisor right for you?
- Step 2: Determine your target audience
- 5. The card makes a good travel companion
- What states are increasing minimum wages in 2024?
- Coinsurance vs. deductible
- A billion bucks might do the trick
- Special rules for the divorced
- National grant programs open to Colorado businesses
- Can you invest in OpenAI’s partners?
- Does HBO Max allow password sharing?
- 5. Santa’s Bag
- How are HELOC payments calculated?
- Average cost of term life insurance by age
- Embrace: Best pet insurance for many ways to save
- 5. Contact the seller or visit a dealership
- Rent vs. inflation
- 5. Skip comprehensive and collision coverage for an older car
- Get more help with monthly budget planning
- Why is the 10-year Treasury yield important?
- Bear market vs. recession: What’s the difference?
- Should you claim early Social Security benefits?
- Other cash back card reviews
- Mattress-buying tips
- Additional functionality
- What can you invest in with a Roth IRA?
- How much to keep in your savings account
- How to store the Bitcoin you buy
- How much car insurance you need
- 4. Set up your LLC bank account
- What to do if you’re struggling
- Where Colonial Penn stands out
- More about MassMutual
- More about Mutual of Omaha life insurance
- So, should you switch to Zelle?
- W-4 form 2024
- 6. Confirm the check details and complete the deposit
- Borrowers still have an uphill battle
- Where Prudential stands out
- MagicBand vs. MagicBand+: Side-by-side comparison
- 4. You'll get free checked bags and other perks
- Clothes, vintage and crafts
- Best homeowners insurance in Florida for having few consumer complaints: Chubb
- How to get started with a UTMA or UGMA account
- What’s next?
- Discounts
- Methodology to determine the best hotel
- 5. Online savings accounts
- 5. Reap extra benefits through American Express
- Is a Sam’s Club membership worth it?
- Best homeowners insurance in Oregon for consumer experience: American Family and Nationwide
- Step 3: Choose your lender and loan
- Watch out for capital gains taxes
- 7. AC Hotel Orlando Downtown (Marriott Bonvoy)
- Types of life insurance trusts
- Best North Carolina car insurance for customer complaints: Auto-Owners
- How to build your credit
- How to invest in dividend stocks
- 4. Financing options are available …
- 3. EarnIn: Best for large advances
- How much does Medigap Plan G cost?
- Where to avoid exchanging currency
- When do you have to pay taxes on stocks?
- Now move on to the budgeting
- How to get an in-force policy illustration
- The caveats
- Deposit timing
- How to invest in AI stocks
- The challenge: High prices push affordability to the worst it’s been in almost 40 years
- Apply for financial aid
- Are home equity loans a good idea?
- How flexible are American miles?
- How do balance transfers work?
- 4. Cardholders get extra perks within Nordstrom’s loyalty program
- Does YouTube TV fit in your budget?
- How to save money on Babbel
- The bottom line
- How to earn American Airlines miles
- Do spot Bitcoin ETFs have custodianship risk?
- Discounts
- Starbucks Workers United and Starbucks are negotiating
- When is the PCE released?
- Adoption taxpayer identification number (ATIN)
- 4. The deal faces regulatory hurdles
- How do tax refund loans work?
- Protections: Shopping and travel benefits
- Debt
- Compare your net worth
- AAA customer complaints and satisfaction
- How to check in to a hotel without a credit card
- What's next?
- Hope is not a strategy
- 4. Consider a co-signer
- The best time to lower your car payment
- Having a rainy day fund can help strengthen and maintain financial health
- Does Medicare cover Mounjaro (or Zepbound)?
- What travel protections might you already have?
- 9. Try out generic labels
- Income-driven repayment forgiveness stats
- Cons of electric cars
- Who should form an LLLP
- How to invest in tech stocks
- Estimate your 2024 IRS tax refund date
- Alternatives to a lady bird deed
- Is OASDI tax the same thing as Social Security tax?
- How to apply for REPAYE
- National grant programs available to Ohio small businesses
- How ARM rates are set
- Where Colonial Penn falls short
- Pros and cons of jumbo loans
- 7. Keep the check until it's processed
- How to handle these bills
- Where Prudential falls short
- Does Section 179 cover real estate?
- May
- Why doesn’t my report show a credit score?
- Best homeowners insurance in Texas for consumer experience: Nationwide
- Important Treasury Bond Terms
- Medicare Advantage (Medicare Part C)
- What is a good DTI ratio?
- How it all works together
- Which Bilt transfer partners are best?
- What pet insurance pays for
- 4. Make biweekly payments
- How to fit HBO Max into your budget
- How to save on Alaska's Milk Run
- Skip currency exchange: Use a credit or debit card
- Should I contribute to a traditional IRA if I can’t deduct it?
- Contract periods
- 6. Raise your deductible
- Next steps
- Can you collect SSI and Social Security disability or retirement benefits?
- The AmEx Delta Reserve credit card is worth it for frequent Delta flyers
- Fax
- Alternatives to a Southwest flight upgrade
- 4. ... But point values vary
- What is California's standard deduction?
- Does the IRS charge interest on payment plans?
- 401(k) withdrawals
- Other performance metrics
- Withholding tax vs. estimated tax
- Where to get a HomeStyle loan
- Why is home equity important?
- MagicBand vs. MagicBand+: Is upgrading to worth it?
- Consumer complaints
- Buy non-owner car insurance
- Best for emergency medical coverage: Allianz Global Assistance
- More about AAA
- USAA renters insurance rates
- How does it affect the odds of a recession?
- LLC payroll taxes
- How does cryptocurrency work?
- 5. Star Alliance lounge (TBIT)
- Then there's FOMO, and the herd
- 3. Get disability and life insurance
- When to expect your child tax credit refund
- Are 10-year Treasury notes a good investment?
- VA funding fee vs. mortgage insurance
- Getting your Frontier baggage and other fees waived
- Can I get my Social Security tax back if I’ve overpaid it?
- Are Roth IRAs insured?
- 2. Certificates of deposit
- Alternatives to savings accounts
- 88,000 ANA Mileage Club Miles round-trip from U.S. to Europe
- How to find the 2024 W-4
- More about Prudential
- Jewelry warranties and service plans
- Benefits of a larger down payment
- Take advantage of your good credit
- If you haven’t received your passport
- How much hazard insurance do you need?
- Step 3: Write your business plan
- The most popular surveys for cash apps
- Minimum wage increases
- 3 ways to avoid inheritance tax
- 8. Hyatt Regency Grand Cypress (World of Hyatt)
- Credit union personal loan rates
- Long-term CDs (4-5 years)
- Best car insurance in New Jersey for ease of use: State Farm
- 6. Store-specific apps
- How to freeze your child’s credit
- Cashier’s check vs. certified check vs. money order
- Step 3: Compare health plan networks
- Turo car insurance for guests
- 10. Use credit cards strategically
- Customer support
- 6. Inspect and test-drive the car, if applicable
- Writing call options vs. writing put options
- Growth stocks vs. dividend stocks
- Available Medicare Advantage plans
- You can temporarily self-report income
- Avoid the student loan scammers
- How to give two weeks’ notice
- 5. Other expenses
- If $10,000 isn’t enough, here’s what to do
- 5. It also comes with an annual vacation credit
- Recent strikes
- Ways to get the best USDA mortgage rates
- 4. Pick an investment strategy
- Consider alternatives
- Full list of best homeowners insurance in California
- More U.S. passport photo requirements
- Compare at a glance: brokered vs. bank CDs
- A rising rate environment
- Consumer experience
- Brokerage accounts are taxable accounts
- Best North Carolina car insurance for ease of use: State Farm
- Switching is no longer an option for most
- What you’d pay out of pocket for Ozempic, Wegovy, Mounjaro or Zepbound
- Find the best HELOC lender for you
- What is net investment income tax?
- Insurance broker vs. independent agent
- Wells Fargo Reflect® Card: Our Pick for 0% Intro APR and Balance Transfer
- Average cost of whole life insurance by age
- Why you may not be getting a response after an interview
- How to find AI ETFs
- 7. Consider usage-based or pay-per-mile insurance
- How to establish an LLLP
- How do I grow my home's equity?
- How did we determine the value of American miles?
- What to look for in a balance transfer card
- Which card is right for you?
- Tips to find cheap flights any day of the week
- What part of my income gets taxed by California?
- Why some cars cost more to insure
- Limited partnership
- More about Colonial Penn
- The importance of tax withholding
- Which insurance companies sell gap coverage?
- What do the approvals mean for Bitcoin?
- Home equity takes time to build
- What factors impact your credit scores?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- What if you don’t qualify for Section 179?
- What are online planning services?
- 6. High-yield checking accounts
- 5. The bigger the company, the higher the interest rates
- What is the median household income in the U.S.?
- Step 4: Gather loan documents
- The catch: Your health plan's network
- Is transferring your Bilt Rewards worth it?
- First-time home buyer programs near South Carolina
- 2023 state income tax rates and brackets
- 5. Pay off capitalized interest
- 5. … But you won't want to carry a balance otherwise
- Why did First Republic Bank fail?
- What if your passport expired and you need to travel tomorrow?
- 11. Establish your local supermarket circuit
- EveryDollar, for simple zero-based budgeting
- Other stock market changes: Dips, corrections and crashes
- Where's my 2024 state tax refund? Track your status
- How do you buy Vanguard Index fund shares?
- 5. You won't want to carry a balance
- How to calculate your monthly payment
- Next steps:
- Federal student loan consolidation
- The rankings of reliable airlines
- Benefits of RSUs
- Other ways to finance a purchase and renovation
- Consumer experience
- How much should you put down on a house?
- Purchase upgraded airfare with priority lane access
- Full list of the best homeowners insurance in Florida
- Preparer tax identification number (PTIN)
- If you’re debating when to book your hotel
- Are credit scores from all major bureaus the same?
- Full list of the best home insurance companies in Texas
- How does coverage for prescription food work?
- Maximum and average DTI ratios by mortgage type
- Step 4: Register and license your business
- HELOC requirements
- 9. Hyatt Regency Orlando International Airport (World of Hyatt)
- Memberships
- Final thoughts on redeeming American Airlines miles
- The bottom line on OpenAI
- 5. Use collateral to secure the loan
- Making the call
- The downsides of Groupon Getaways
- 3 tips to control central air conditioning installation costs
- 4. Varo: Best for existing bank customers
- Buy Medigap Plan G during Medigap open enrollment
- How are cryptocurrencies created?
- Other types of IRAs
- Try a worksheet or app
- It’s more expensive to rent than ever before
- 2024 child tax credit news update
- How do you buy 10-year Treasury notes?
- Getting a refund for your funding fee
- TRAVEL CREDIT CARDS
- Mutual fund fees
- What credit cards include Southwest upgrades?
- Fees across U.S. airlines
- Roth IRA eligibility rules
- Other ways to pay less
- Do I have to update my W-4 every year?
- June
- Can I take my own passport photo?
- Medicare Part D (prescription drugs)
- Some helpful links from the IRS
- Food and beverage
- You don’t need to have $10,000 to take advantage of compound interest
- Discounts
- Capital One Venture Rewards Credit Card
- What’s in store for the next Fed meeting?
- If you want to book the Alaska Milk Run
- Which travel cards or travel insurance policies can help?
- 12. Consider a wholesale membership
- What's next?
- 3. Bonds
- 3 investing myths
- What are the fees for an IRS payment plan?
- Other home office deduction rules and considerations
- Where does an IRS audit take place?
- How much does homeowners insurance cost in California?
- How to get a commercial loan
- How much does a tax refund loan cost?
- 7. Black Friday 2023
- FAQs
- When should you freeze your credit?
- 6. Oneworld business-class lounge (TBIT)
- How to pay lower taxes when selling stocks
- How can I avoid cashier's check fraud?
- Tips for calculating how much life insurance you need
- 7. Determine which warranties are right for you
- I bonds and taxes
- The bottom line
- VA funding fee isn't the only closing cost
- How to get a tax refund sooner
- 5. You'll be eligible for a sign-up bonus
- Am I a resident for California state tax purposes?
- Lodge a student loan complaint
- Tips to get a approved for a personal loan with bad credit
- Electronics
- Calculating capital gains tax on a home sale
- How to track your passport status, recapped
- How much does hazard insurance cost?
- Dress code for a passport picture recapped
- Buy rental car insurance
- 7 tips for starting a fitness business
- Full list of the best homeowners insurance in Oregon
- How to get a home equity line of credit
- National first-time home buyer programs
- Full list of the best car insurance companies in North Carolina
- Smart strategies usually involve some delay
- Reconsideration for PSLF applications
- How to get a loan from a credit union
- 6. Stick to the standard repayment plan
- Full list of the best car insurance in New Jersey
- LLC self-employment taxes
- Is Plan G the best Medicare Supplement Insurance plan?
- Power and lighting
- Covering weight loss drugs would be costly for Medicare
- Delta SkyMiles® Gold American Express Card: Our Pick for Airline Card
- Flying with an expired passport recapped
- 8. Check insurance costs when buying a car
- Do you pay tax on T-notes?
- The challenge: Multiple offers are common, and first-time buyers have less cash
- Hotels to book with points in New York City
- How much does gap insurance cost?
- More Florida home insurance companies
- Pros and cons of the new partnership
- How much does homeowners insurance cost in Texas?
- The bottom line
- Step 5: Get your finances in order
- 10. Waldorf Astoria Orlando (Hilton Honors)
- How to earn more interest in a savings account
- Shopping
- Consumer complaints
- Why are there so many kinds of cryptocurrency?
- Exchange frequently? Consider a multicurrency account
- Why did Silicon Valley Bank fail?
- How did rent get so expensive?
- How to evaluate dividends
- General-purpose travel card reviews
- Where to find the best savings accounts
- What to do with the Bitcoin you buy
- How to save on car insurance
- Finding a car you can afford
- Why do I need a business credit score?
- Methodology
- Drawbacks of RSUs
- Jumbo loans and conforming loan limits
- How to adjust your Form W-4
- Other considerations to determine your down payment
- Average cost of homeowners insurance in California by city
- United Airlines flight delay compensation recapped
- How can I check my credit reports?
- Brokerage accounts vs. IRA
- Other ways to save on prescription food
- Medigap (Medicare Supplement Insurance)
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- 6. Find the right lender
- Fees to check in and obtain your boarding pass for your Spirit flight
- Recap: How to get a cashier's check
- Other ways to buy insurance
- Term vs. whole life insurance tool
- 13. Look at the price per unit
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- Next Steps
- The bottom line
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- Is two weeks’ notice required?
- More ARM terms to know
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- What do the approvals mean for other crypto investments?
- Progressive vs. competitors
- Upgrade Cash Rewards Visa®
- 5. Understand your investment options
- July
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- Build a CD ladder to bridge the gap
- Cons of a credit freeze
- Keep budgeting and communicating
- Step 4: Compare out-of-pocket costs
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- Can you lose money in mutual funds?
- Are these the best dividend stocks?
- Find local conforming loan limits
- 50,000 Virgin Atlantic Flying Club miles each way from U.S. to Europe
- Jewelry insurance from a specialty company
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- Step 5: Submit your application and get funded
- How much can you borrow with a HELOC?
- Doing the math on copays, coinsurance and deductibles
- If you want to stay at non-Disney resorts in Orlando
- Consumer experience
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- 7. Use 'found' money
- Why you can trust NerdWallet
- 5. Dave: Best for repayment flexibility
- LLC sales taxes
- U.S. Bank Cash+® Visa Signature® Card
- 8. Negotiate the best price
- What’s a spousal Roth IRA?
- C corporation
- Where to get a personal loan with bad credit
- Other ways to sell clothes online
- How do I get my business credit score?
- Factors that don’t affect your credit scores
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- How much does homeowners insurance cost in Oregon?
- 2024 state income tax rates and brackets
- Credit union vs. online lender
- What are the best dividend stocks?
- The best place to exchange currency at the end of your trip
- 7. LAX Centurion Lounge (TBIT)
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- The bottom line
- How to consolidate federal loans
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- Ways to get the best jumbo mortgage rates
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- The cheapest home insurance in California
- Average cost of homeowners insurance in Texas by city
- Speak with an agent
- Enrolling in Medicare
- Best for extra perks: Aetna
- How to find the right Colorado small-business grant for you
- Home shopping tips
- The bottom line
- Consequences of a child tax credit error
- Empower Personal Dashboard, for tracking wealth and spending
- A Southwest flight upgrade will get you on board faster
- How much money can you make on YouTube?
- How do I make changes to an IRS installment agreement?
- Will you owe capital gains taxes on your home sale?
- What if I see a mistake on my report?
- Redeeming Choice Privileges points
- The cost of veterinary care
- Fees to select a seat ahead of time
- Credit freeze or credit lock?
- Surviving a Delta flight cancellation
- Figo: Best pet insurance for cats
- 14. Understand sale cycles
- Borrower defense to repayment and closed school discharge stats
- Should you try options trading?
- How will Robinhood make money from its IRAs?
- Peoples Health Medicare Advantage service area
- Free resources for Ohio small businesses
- How to improve your credit
- August
- Are cryptocurrencies financial securities, like stocks?
- Currency exchange: Frequently asked questions
- Why did Signature Bank fail?
- How to book Southwest Anytime fares
- Deciding whether to buy an EV
- Are I bonds low risk?
- 3. Make the most of your savings
- Cards that earn American Express Membership Rewards points
- When to consider Global Entry instead
- If you’re looking for cheap award flights to and within Australia
- Step 6: Find the right location
- Tax refund loan alternatives
- Average cost of homeowners insurance in Oregon by city
- LLC tax forms and deadlines
- Important considerations when opening a Roth IRA
- 9. Maximize trade-in value, if applicable
- Airline credit card reviews
- Roth IRA vs. traditional IRA: What's the difference?
- Can I apply for an IRS payment plan myself?
- How to sell clothes online
- The bottom line
- Discover it® Secured Credit Card
- Pros of investing in REIT stocks
- How much does homeowners insurance cost in Florida?
- How to avoid capital gains tax on home sales
- The cheapest home insurance in Texas
- More about the card
- Finding a real estate agent: Tips for buyers
- Capital One QuicksilverOne Cash Rewards Credit Card
- Make the most of your Groupon trip
- 6. MoneyLion: Best for existing customers
- Who can access your frozen credit reports?
- Discover it® Student Chrome: Our Pick for College Students
- Average cost of life insurance by term length
- State child tax credits
- 50,000 British Airways Avios from Northeast U.S. to Ireland
- Other types of tax preparers
- Jewelry insurance companies
- What you need to know about California homeowners insurance
- What else do credit bureaus do?
- Ways to earn Marriott points and status
- DTI isn't a full measure of affordability
- Step 7: Create a rental contract
- Best for those who pack expensive equipment: Travel Insured International
- Other renters insurance companies to consider
- Which card should you get?
- Should you invest in AI stocks?
- The bottom line: Set realistic expectations
- After deciding
- Compare insurance rates by driver history
- Alternative lending best practices
- Is getting a HELOC a good idea?
- Next steps
- 8. Emirates Lounge (TBIT)
- Should you buy I bonds?
- Earn an audience, and earn more in the long run
- How can I check and monitor my credit?
- Cons of investing in REIT stocks
- September
- The cheapest home insurance in Oregon
- Amenities
- Alternatives to the best AD&D insurance
- Fees for in-flight refreshments
- What’s happening with Silvergate Capital Corp.?
- Total and permanent disability discharge stats
- 10. Make the purchase
- What is the $500 credit for other dependents (ODC)?
- Are dividends taxed?
- First-time home buyer programs near North Carolina
- S corporation
- Bad credit loans to avoid
- Step 8: Build your operations team
- Finding a real estate agent: Tips for sellers
- Who is most likely to rent?
- Spaces to relax and work
- Final thoughts on getting TSA PreCheck for free
- Average cost of homeowners insurance in Florida by city
- What to know about Texas homeowners insurance
- Lenders that offer small loans and fast funding
- One-time IDR account adjustment for PSLF borrowers
- Alternatives to pet insurance
- LLC tax tips for business owners
- Pros and cons of cryptocurrency
- What happened to Credit Suisse?
- Child tax credit vs. child and dependent care credit
- What is credit card consolidation?
- Next steps
- Hotel credit card reviews
- How to open a Roth IRA in 4 steps
- California state tax credits
- Tips when applying for small-business grants
- Is alternative lending right for my business?
- Investing in REITs: How to get started
- If your DTI is high
- 7. SoLo Funds: Best for peer-to-peer cash advances
- In-cabin pet fee
- Step 5: Compare benefits
- More resources on investing
- 4. Money market funds
- National first-time home buyer programs
- Other ways to make money
- W-4 calculator
- What is a tax consultant?
- The bottom line
- Mission Lane Visa® Credit Card
- Marriott Bonvoy is the newest key to unlock MGM Hotels stays
- Step 9: Create an online presence
- What to know about Oregon homeowners insurance
- Best for low-cost plans: Humana
- More about top-rated life insurance companies
- 9. American Airlines Admirals Club (Terminal 4)
- FHA vs. conventional loans: Summary
- PocketGuard, for a simplified budgeting snapshot
- Why is homeowners insurance so expensive in Florida?
- How taxes on real estate, rental, and investment sales work
- October
- How to choose a real estate agent
- How does credit card consolidation work?
- The bottom line on the new Robinhood IRA
- Should I use a CPA or tax accountant?
- Investing
- Can you keep your doctor on Medicare?
- Cheapest for 30-year-old drivers
- Priority boarding and security access
- Discover it® Secured Credit Card: Our Pick for Building Credit
- Cheapest for 30-year-old drivers
- How to buy I bonds
- The bottom line
- Potential strikes ahead
- Step 10: Provide exceptional service
- Is it better to get a home equity loan or line of credit?
- Best for adventurous travelers: World Nomads
- Are other banks are in trouble?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Rent vs. income
- Limited liability company
- What else to know about Form W-4
- Credit cards for other travel brands
- Is there an over-55 home sale exemption?
- Reconsideration for rejected PSLF applications
- 8. Klover: Best for no-fee advances
- Unaccompanied minor fees
- Are Southwest Anytime fares worth the extra cost?
- Should you buy stocks or bonds?
- 5. Mutual funds
- California Department of Insurance
- November
- Alternatives to commercial business loans
- What Medicare doesn't cover
- Choice Privileges elite status
- Other LAX lounges
- Should I take my money out of the bank?
- Is consolidating credit card debt a good idea?
- OK, what's next?
- More from NerdWallet
- Alternatives to personal loans for bad credit
- Additional tips for making money on TikTok
- Prosper® Card
- Striking worker totals increased by 141% in 2023
- The bottom line
- What to do if you can’t keep up with your HELOC payments
- So, is pet insurance worth it?
- Cryptocurrency legal and tax issues
- What to know about Florida homeowners insurance
- Looking for more insurance in California?
- Best stocks for beginners
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- Frequently asked questions
- Bundle packages
- The American Express Blue Business Cash™ Card: Our Pick for Small Business
- Home purchasing tips
- Can I still use my credit card after debt consolidation?
- Get airport lounge access through credit cards
- Are we in a recession?
- Summary: How to choose health insurance
- MetLife: Best pet insurance for dogs
- 6. Index funds
- Mortgages
- Medicare vs. Medicaid
- How to get to the Grand Hyatt Seoul
- Honeydue, for budgeting with a partner
- OTHER REWARDS CREDIT CARDS
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- Best for medical coverage: Travelex Insurance Services
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- Don't qualify for PSLF? You have other options for relief
- Pros and cons of loan apps
- Your decision: Is cryptocurrency a good investment?
- The upside down: When debt and equity roles reverse
- How to choose the best business entity type
- 4. Be persistent
- How to track your California state refund
- Capital One QuicksilverOne Cash Rewards Credit Card
- Oregon insurance department
- Best LAX lounges, recapped
- Most popular
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- Where can I find out more?
- U.S. Bank Altitude® Go Visa Signature® Card: Our Pick for Dining
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- The bottom line
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- If you're looking to stay at the Grand Hyatt Seoul
- Ambiance and crowds
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- Choice vs. competitors
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- 7. Exchange-traded funds
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- 8. Stocks
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- Risks of getting cheap auto insurance
- Nationwide: Best pet insurance for exotic pets
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January
With a fresh page on the calendar comes a fresh start for sales. These items are discounted in January:
Bedding and linen. Department stores hold bedding and linen “white sales” in January with deep discounts on sheets and towels.
Fitness equipment. Retailers will meet goals to get in shape with decent deals. Expect workout gear and apparel sales to abound at sporting goods stores. (Tip: Tread lightly on a treadmill purchase unless you're sure you’ll use it. It’ll always be cheaper to walk around the block.)
TVs and electronics. Just before the Super Bowl, retailers normally discount TVs and other home theater essentials.
Mark your calendar: Martin Luther King Jr. Day is Jan. 15.
Freebie day: National Spaghetti Day is Jan. 4.
February
It’s the month of love and gift-giving, but February might be a better time to buy major items for yourself than trinkets for your loved one. Options include:
TVs. Television sales spill over from January into February ahead of the Super Bowl. Aside from Black Friday, this is one of the best times to buy a TV.
Winter items. With winter winding down, retailers will be looking to unload inventory of cold-weather products. Look for sales on apparel and winter sports gear that you'll need later in the year.
Home goods. Expect retailers to put home stuff on sale for Presidents Day and the weekend preceding the holiday.
Leftover chocolate. The savvy couple does Valentine’s Day a week late to save a buck. Grab a heart-shaped box of candy on Feb. 15, when stores will be discounting their Valentine’s Day leftovers. It’ll be easier to get a dinner reservation after Feb. 14 too.
Mark your calendar: Super Bowl Sunday is Feb. 11, Valentine's Day is Feb. 14 and Presidents Day is Feb. 19.
Freebie day: National Frozen Yogurt Day is Feb. 6.
March
There aren’t any major shopping holidays in March, but that doesn’t make for a total lack of sales. Look for deals on these products:
Tax software. Retailers like to discount tax software in March, ahead of Tax Day in April.
Grills. Buy your summer grilling necessities now to avoid a spike in prices when summer arrives.
St. Patrick’s Day essentials. Around St. Patrick’s Day, online retailers and department stores usually discount green clothing, party supplies and jewelry.
Vacuum cleaners: Some retailers will be ready to reward early spring cleaners with a deal on a Dyson, Shark or other brand of vacuum.
Mark your calendar: St. Patrick’s Day is March 17 and Easter Sunday is March 31.
Freebie day: Pi Day is March 14, because 3.14 (get it?).
April
April has its fair share of spring deals and discounts, including:
Vacuums. April is the real cleaning month and will bring more deals on vacuums. Look for markdowns at department stores as well as on manufacturers’ websites.
Tax-themed items. Year after year, retailers and restaurants try to lighten the burden of Tax Day with discounts and freebies on services like paper shredding. Keep an eye out for these around mid-April.
Beauty products. Time to get outside and look your best. The Sephora spring sale is usually this month.
Sustainable items. To celebrate Earth Day, be on the lookout for retailer deals on sustainable items, such as reusable totes and water bottles, sustainably made clothing and other “green” products. Is this the year you start composting? We support that.
Mark your calendar: Tax Day is April 15.
Freebie day: Earth Day is April 22.
May
April discounts give way to more in May. Here’s a look at some items to consider buying this month:
Spring apparel. By May, retailers will discount spring clothing that has already been hanging on racks for a month or two.
Furniture. Three of the biggest blowout shopping days are Black Friday, Labor Day and Memorial Day. Memorial Day is in May, so look for furniture and home decor discounts from big-box stores.
Small kitchen appliances. Use May discounts as an opportunity to buy small kitchen appliances, such as coffee makers and blenders. Typically, these products are included in Memorial Day sales, and they make great gifts for upcoming summer weddings.
If last year’s shopping research is any indication, prices on select kitchen gadgets could drop the Friday before Mother’s Day.
Mark your calendar: Mother’s Day is May 12 and Memorial Day is May 27.
Freebie day: National Hamburger Day is May 28.
June
June is short on days, but long on the list of deals. Smart purchases include:
Lingerie. Stock up on undergarments in June. That’s when Victoria’s Secret, for example, has been known to host its famous semiannual sale. The sale also typically occurs in December.
Other semiannual sales. The midway point is known for sales at lots of stores. In past years, we’ve seen stores like Bath & Body Works and Brooks Brothers hold semiannual sales in June.
Gym memberships. Consider buying a gym membership during the summer, and be sure to negotiate for the best deal. Gyms may be eager for sign-ups when people are more likely to spend time outside.
Tools and other dad gifts. In preparation for Father’s Day, many retailers will offer deals on a variety of power tools and outdoor gear, as well as things like men’s clothing. Solo Stove has discounted its portable fire pits around this time in the past.
Mark your calendar: Father’s Day is June 16.
Freebie day: National Doughnut Day is June 7.
July
In July, prices drop like it’s hot. Consider buying these:
Summer apparel. The sun is still out, but demand for summer clothes starts to go down. So, buy up shorts, tanks and flip-flops while stores make it worth it. Buy only what’s on sale, though.
July Fourth items. Retailers like a reason to celebrate. In the days leading up to Independence Day, there’s usually an abundance of sales on red, white and blue products, as well as on barbecue and backyard items, sporting goods, jewelry and furniture.
Personal electronics on Prime Day. Amazon’s Prime Day happened on July 11 and 12 in 2023, so you can likely expect similar timing in 2024. It’s basically Black Friday in July, and it’s a hot sale for electronics and gadgets, among other categories. It also drives other retailers to compete with copycat sales.
School supplies. Kids won't want to think about the end of summer yet, but retailers start putting school supplies on sale in late July. If you have supply lists in hand, shopping back-to-school early can help you avoid the August rush.
Mark your calendar: Independence Day is July 4.
Freebie day: National Ice Cream Day is July 21 and National Lipstick Day is July 29.
August
Close out summer by buying summer products? That’s right. Look for end-of-season clearance sales in August on:
Back-to-school supplies. The start of school marks the need to buy low-cost items such as notebooks and pencils and more expensive ones like calculators and laptops. Generally, the closer to the start of the school year you buy, the better your chances of getting a good price.
Backyard products. Ride out the end of summer with a big deal on lawn mowers and other seasonal outdoor equipment, like a grill.
Swimsuits. There may not be many swimming days left by the time August rolls around, but that’s exactly why swimsuit clearance sales will crest. Buy swimsuits now for next year.
Tax-free shopping. Back-to-school can be expensive. However, to aid in the purchase of school supplies, clothes, personal computers and other approved necessities, many states offer a tax-free weekend. If yours does, check the date and have your list ready.
Mark your calendar: For many school districts, the first day of school is in August.
Freebie day: National Waffle Day is Aug. 24.
September
With deals on items as varied as mattresses and pool toys, September is a surprising month for good buys. Score reasonable prices on these:
Mattresses. Year after year, September is a good time for mattress sales. Expect deals from department stores and mattress centers, usually as a part of Labor Day promotions.
iPhones. Apple often announces its latest iPhone lineup and other products in September. The unveiling is usually followed by a drop in prices on the models that have been around awhile. Check out used iPhones around this time too.
Appliances. Expect a series of blowout deals in the week leading up to Labor Day, including promotions on appliances big and small.
Mark your calendar: Labor Day is Sept. 2.
Freebie day: National Cheeseburger Day is Sept. 18.
October
Retailers won't ghost you in October. There will be plenty of deals on these product categories:
Outdoor furniture. Expect deals on patio furniture and outdoor living products when the weather turns cool.
Jeans. Fall inventory arrives in stores in August and September, but you’ll pay top dollar unless you wait a few weeks. October is a great time to buy a new pair of jeans.
Candy. The closer you get to Halloween, the better your chances of snagging a discounted bag of candy for trick-or-treaters.
Holiday gifts. Amazon has held a Prime Day-like shopping event in October for the past two years. The multi-day event sparked similarly-timed sales from retailers like Target, Walmart and Best Buy and featured deals that rival Black Friday and Cyber Monday. These events have made early October a top time to buy gifts or things you need for yourself.
Mark your calendar: Columbus Day and Indigenous Peoples Day are Oct. 14 and Halloween is Oct. 31.
Freebie day: National Taco Day is Oct. 4 and National Dessert Day is Oct. 14.
November
November is the real month for Black Friday sales, which means some of the most popular technology products fall to their lowest prices. Expect most retailers to offer some kind of deal on products in nearly every category — not just on Black Friday, but throughout the month.
Electronics. Gadgets like TVs, tablets and laptops take center stage during Black Friday sales. Look for discounts on headphones, smart speakers and activity trackers, too.
Clothing. November has to be the busiest month for clothing catalogs. Scan the brands you like for discounts, and shop stores like Gap, Land’s End and American Eagle directly online for surprise coupon codes.
Streaming subscriptions: As if you need another password to remember, November has become a great time to sign up for a new streaming service. Popular content providers like Hulu and Paramount+ have offered solid subscription discounts during extended Black Friday sales in the past.
Mark your calendar: Thanksgiving is Nov. 28 and Black Friday is Nov. 29.
Freebie day: National Sandwich Day is Nov. 3.
December
The end of the year is just the beginning of discounts in some product categories. Look for sale prices on these items in December:
Electronics. Those Black Friday electronics deals from late November will spill over into the new month.
Small kitchen appliances. Cyber Monday 2024 falls on Dec. 2, and it’ll likely be a great time to get an air fryer. NerdWallet monitored prices on 10 popular products during every major sale of 2023. Each of the three kitchen gadgets on our list — an air fryer, stand mixer and coffee machine — hit low prices on Cyber Monday.
Toys. Toys are popular holiday gifts, and stores generally drop prices as the season draws to a close. Look on Black Friday but buy in December.
Christmas decorations. Beginning the day after Christmas, shop sales for deep discounts — often upward of 50% — on decorations, wrapping paper, ornaments, artificial trees and similar seasonal fixings.
Mark your calendar: Christmas is Dec. 25. Hanukkah starts Dec. 7.
Freebie day: National Cookie Day is Dec. 4.