Best Things to Buy Every Month in 2024
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A new year is a good opportunity to take charge of your personal budget and develop a strategy for buying the things you want.
Create a list of the big buys you plan to make this year and use our guide to time each purchase right, so you can save money.
- Dividend definition
- Life insurance buying guide
- Key takeaways:
- What is a budget planner?
- What if I can't pay my taxes?
- What is mortgage pre-qualification?
- What is a rollover IRA?
- The parts of Medicare
- Still deciding on the right carrier? Compare Medigap plans
- 6 steps to opening a Roth IRA
- What is a W-4?
- What is a charitable donation?
- Compare types of bank accounts
- About UnitedHealthcare
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- What is a bond?
- See CD rates by term and type
- Find the right Medicare Supplement Insurance plan
- What is an overdraft?
- What is Upwork?
- About Aetna
- Work on your credit score
- Consider different cards
- Apply for a secured card
- Wait it out
- Monitor the market
- What is a spot Bitcoin ETF?
- What are dividend stocks?
- Inheritance tax definition
- Stocks
- What is a cash-back app?
- Takeaways From 'Get Smart With Money'
- VA loan eligibility
- How much emergency fund should I have?
- Hilton points expiration details
- Best-performing gold ETFs
- How much are Allegiant points worth?
- What is passive income?
- Investing money is personal
- About Progressive home insurance
- Good credit utilization follows the 30% rule
- Determining how much mortgage I can afford
- Parts of a Check
- Still deciding on the right carrier? Compare Medicare Advantage plans
- What are Vanguard index funds?
- Share certificates: Credit union version of CDs
- Non-QM loans: flexibility at a cost
- 7 of the best apps to make money
- What is Early Warning Services?
- What is an SBA line of credit?
- What is stagflation?
- What is a SIMPLE IRA?
- Georgia state income tax rates and tax brackets
- Capital gains tax on stocks: Do you have to pay?
- Microsoft Office Excel budget templates
- United fare classes: The differences
- 1. Give yourself a financial checkup
- Financial assistance programs in each state
- What is cryptocurrency?
- Preparing to buy tips
- Money market account vs. CD: The difference
- How to get paid on YouTube
- What is the average cost of groceries per month?
- What does APY mean?
- 1. When your Bitcoin is taxed depends on how you got it
- How to pass a rental credit check
- What is a down payment?
- What is forex trading?
- Know where your credit score stands
- What is an overdraft fee?
- Is Upwork a legit way to make money?
- Frugal food tips
- What is the child tax credit?
- Define ‘fair’
- January
- 1. Set your budget
- Term life vs. whole life: Overview
- Create a budget plan that works for you
- The best car insurance
- How to transfer Apple Cash to a bank account
- The best budget apps
- Types of crypto wallets
- The best cheap car insurance
- How to redeem a Spirit Airlines voucher
- What is a resort fee?
- What is a HELOC?
- Finding the cheapest full coverage car insurance
- What is flood insurance?
- California state income tax brackets and rates
- Understand your legal rights
- Rates are tied to credit, not equity
- 1. Get help with utility bills and groceries
- Where they’re based and where they fly
- If you signed up for Medicare or Social Security, your card will be mailed
- When are you considered a first-time home buyer?
- Discounts for smart-home devices
- Can you cancel your Frontier Airlines flight?
- Minimum wage over time
- Best banks and credit unions
- What is the typical down payment on a house?
- 'File and suspend' loophole
- About Fort Lauderdale airport lounges
- How do CDs work?
- What is zero-based budgeting?
- What does professional liability insurance cover?
- Step 1: Take inventory of your skills
- 1. Your information
- 1. Backup camera
- 4 easy ways to start investing with little money
- Options for passing on credit card fees to customers
- How to budget money
- Emirates' cancellation policy
- Best ways to consolidate credit card debt
- 1. Take a deep breath
- Payment information
- How to use the pre-qualification calculator
- When do I need to buy insurance for my new car?
- 1. Coverage is essentially lifelong
- Best cash-back apps of 2023
- What are the three credit bureaus?
- How do I find a local IRS office near me?
- Don’t file a paper return or ask for a paper check
- 4 common check fraud scams
- Late winter and early spring
- How does QuickBooks Self-Employed work?
- Are charitable donations tax-deductible?
- 17 passive income ideas for 2024
- UnitedHealthcare Medicare Advantage pros and cons
- What is a good APR for a credit card?
- International roaming plans: postpaid
- Are CD rates going up?
- How does mortgage insurance work?
- Best Medicare Supplement Insurance companies
- The Wells Fargo overdraft fee
- Passport photo makeup allowances
- What is an EIN?
- When an EIN is required for sole props and LLCs
- How to downgrade a Chase card
- How to invest in stocks in 6 steps
- Top 11 spot Bitcoin ETFs by fee
- Wells Fargo and the CFPB
- Share certificates vs. share accounts
- The best money-making apps
- Summary of cash advance apps
- Options for an old 401(k)
- Is inheritance taxable?
- How to start a landscaping business in 5 steps
- How common is credit card fraud?
- What's the difference between a HELOC and a home equity loan?
- Do you pay taxes on stocks you don't sell?
- What is a flexible spending account, or FSA?
- Compare Medicare Supplement plans
- Chick-fil-A overview
- How to make money online
- When do Hilton points expire?
- At a glance
- How much do Instagram influencers make?
- What is a business credit score?
- The best term life insurance companies in April 2024
- What are puts and calls?
- What is a small business financial advisor and what do they do?
- What are gold ETFs?
- Award types
- Itemized deductions, definition
- What does this value mean?
- Why does greenwashing matter?
- The best hotel chains with two-bedroom suites
- Annual fee
- Easier comparisons could lead to savings
- The cost of mistakes
- Aetna Medicare Advantage pros and cons
- 2. Check number
- Transaction types
- Credit cards are safer to carry and use
- At a glance
- New York Life insurance
- 20 high-dividend stocks
- How to buy a house with cash
- Best life insurance for children in April 2024
- The best whole life insurance companies of April 2024
- What does Early Warning Services do?
- The role and tools of the Federal Reserve
- Types of SBA CAPLines
- Are we experiencing stagflation now?
- What is IRS Form 944?
- 2. Find money for child care
- What is liquid net worth?
- Replace a lost, stolen or damaged Medicare card
- When to choose a money market account over a CD
- Where Progressive stands out
- Where to buy Treasury bonds, notes or bills
- 529 plan rules
- How to get Upwork jobs
- Who needs to get an EIN?
- Step 2: Focus on monetizable skills and ideas
- 2. Blind spot warning and cross-traffic alert
- How much is the child tax credit worth?
- What are dividend stocks and why buy them?
- Cheap car insurance
- NerdWallet's car insurance estimator
- 2. File your tax return on time
- YNAB, for hands-on zero-based budgeting
- MassMutual life insurance
- Google Sheets budget templates
- Before you dispute a credit card charge
- How to choose the best crypto wallet
- How to fill out a W-4
- Carfax may offer more details
- Steps for filling out the FAFSA if you have a deceased parent
- What should my monthly grocery budget be?
- What bodily injury liability covers
- How to calculate your credit utilization ratio
- New York state income tax rates
- Do you need to put 20% down on a house?
- PMI vs. MIP
- Understanding forex trading
- Tips for wearing makeup in a passport photo
- Are fees charged for every overdraft I make?
- Frugal shopping tips
- Why travelers will prefer the Chase Sapphire Preferred® Card
- Best affordable homeowners insurance in Pennsylvania: Erie
- How we ranked the top life insurers
- 1. Brigit: Best for budgeting tools
- How to transfer a 401(k) to IRA
- Does a partial payment affect your credit score?
- 2. Cash value growth is minimal
- Pros of using a real estate agent network
- Fetch Rewards
- How to apply for a VA loan
- Do I need an appointment to get help at an IRS office?
- How many Instagram followers do you need to make money?
- State minimum wages in 2024
- How tax-deductible donations work
- How to evaluate credit card APRs
- Types of bonds
- How much money do I need to buy a house?
- What is greenwashing in banking?
- Rewards rates
- Auto loan origination by credit score
- 3. The date
- Ask your kids what they think
- February
- 2. Shop for a loan
- How do Vanguard index funds work?
- Checking and savings features
- How we ranked the top life insurers
- Account summary
- What information does Early Warning collect?
- Is there a federal inheritance tax?
- Bonds
- What's the difference between a HELOC and a cash-out refinance?
- Which Medicare Supplement plan has the highest coverage?
- Loans are funded fast
- Takeaways From 'How to Get Rich'
- Where to stash your emergency fund
- How do I see when my Hilton points expire?
- Make sure your numbers match
- 4 steps to spot a fake check and avoid trouble
- Why do people invest in cryptocurrencies?
- Holiday weekends
- Elite status
- How do Free Spirit points compare with other airline loyalty miles?
- How to invest money
- Where Progressive falls short
- Zero-based budgeting example
- What isn’t covered by professional liability insurance?
- Best for Medigap plan options: AARP/UnitedHealthcare Medicare Supplement Insurance
- Benefits of getting an EIN for sole proprietors and LLCs
- Pricing transparency
- Benefits to downgrading a Chase card
- New York Life insurance policies
- Investing for income: Dividend stocks vs. dividend funds
- Mortgage payoff calculator help
- What’s behind the pre-qualification calculation?
- How to get auto insurance before buying a car
- How to set up a crypto wallet
- Who needs to file Form 944
- Dynamic pricing is all around you
- How are stocks taxed?
- Do you need an FSA?
- What does flood insurance cover?
- 8 best hot wallets
- 3. Recover unclaimed money
- 2. Identify the right mortgage
- Exactly what are liquid assets?
- Medicare Advantage enrollees get a separate card
- How are business credit scores calculated?
- Who offers first-time home buyer assistance?
- Who should hire a small business financial advisor?
- Pricing
- When to choose a CD over a money market account
- Terminal 1: United Club lounge
- CD rate trends
- 2. Two factors determine your Bitcoin tax rate
- How landlords and property managers check credit
- Current forex trading rates
- Education, not advice
- 4. The recipient's name
- 3. Bluetooth connectivity
- Credit cards earn easy rewards
- Why do credit unions call it a share certificate?
- 3. Pay what you can right away
- What’s important for consumers to know about Early Warning Services?
- 3. Premiums are cheaper than whole life
- MassMutual life insurance policies
- Rates and terms for an SBA line of credit
- SIMPLE IRA contribution limits for 2024
- 2024 Georgia state income tax changes
- What data do the credit bureaus maintain?
- More alternatives to payday loans
- How to monetize your Instagram with fewer followers
- What are the Frontier Airlines flight cancellation fees?
- Does raising the minimum wage cause inflation?
- How to invest in gold ETFs
- Types of itemized deductions
- UHC Medicare star ratings
- Bodily injury insurance coverage limits
- Now that the old loophole doesn’t work, what are my options?
- How Progressive home insurance works
- Ways to deal with overdrafts
- How to estimate car insurance costs
- Repayment terms may be interest-only
- Transfer Apple Cash to a debit card instantly
- How severely is credit card fraud punished?
- NerdWallet’s budget planner
- VA loan qualifications: credit, debt and income
- What kind of help can I get at my local IRS office?
- How to convert Free Spirit points to dollars
- Use a credit utilization calculator
- Minimum down payment requirements
- Who needs professional liability insurance?
- Step 3: Research the top places to make money online
- 4. Head-up display
- Requirements: Who qualifies for the child tax credit?
- Dividend vs. growth stocks
- Are Vanguard index funds a good investment?
- What is a Bitcoin strategy ETF?
- Use a budget planner
- Best life insurance for children: Pros and cons
- Inheritance taxes vs. estate taxes
- Cons of using a real estate agent network
- When did stagflation last occur? What's different today?
- What Medicare Supplement plan is most popular?
- Properly report child tax credit and stimulus payments
- Mortgage selection tips
- When to choose a savings account instead
- What to expect from credit cards with low APRs
- International roaming: prepaid
- How to calculate APY
- CD rate forecast: 2024
- What mortgage can I afford?
- Transfer partners
- Optional Wells Fargo overdraft services and associated fees
- Auto loan interest rates by credit score
- Aetna Medicare star ratings
- Overall cost
- March
- 3. Determine other ownership costs
- Key differences between term life and whole life
- Best whole life insurance policies for 2024
- Rewards summary
- How much is new car insurance?
- Do I have to pay Georgia state income tax?
- What to know about Spirit Reservation Credits
- Is a HELOC a good idea?
- How to use a health care FSA
- 4. Get down payment assistance for a home
- AutoCheck is better for the price conscious
- Airline rewards programs
- First-time home buyer benefits and programs
- Do all workers earn at least the minimum wage?
- Benefits
- Median down payment by age
- What’s going on with layoffs in tech?
- 3. The IRS has the paperwork you’ll need
- How to read a forex quote
- 5. The payment amount
- Limitations on downgrading a Chase card
- 5. Dash cam
- Get a secured credit card
- Frugal entertainment tips
- Think hard about asking kids to share
- How do share certificates work?
- Best homeowners insurance in Pennsylvania for coverage: Openly and Erie
- Reasons to buy a house with cash
- How to pay off a mortgage early
- 4. Look into a payment plan with the IRS
- 2. Empower: Best for fast cash
- How the federal funds rate impacts prices
- Las Vegas Strip hotels without resort fees
- How much does a Chick-fil-A franchise cost?
- Put your dispute in writing
- Coupons.com
- 5 ways to make money on Instagram
- Do personal credit scores affect business credit scores?
- Best term life insurance policies for 2024
- Benefits of a small business financial advisor
- How to cancel your Frontier Airlines flight
- All year
- Earn points with the Allegiant World Mastercard® credit card
- When is the best time to book with Free Spirit points?
- State availability
- Best car insurance companies: Our winners
- How to apply for an employer identification number
- How to claim the child tax credit
- How are dividends paid out?
- Try a simple budgeting plan
- Top 8 Bitcoin strategy ETFs by fee
- What is the CFPB?
- Cost of term life vs. whole life
- Best car insurance companies: Our winners
- What’s the difference between pre-qualification and preapproval?
- What should you do if you were denied a bank account because of an Early Warning report?
- 4. Coverage can be a good fit for seniors
- How to qualify for an SBA line of credit
- Where to find Form 944 and how to file
- California income tax deadlines and extensions
- Where do the credit reporting bureaus get their data?
- How to prepare for your IRS appointment
- Why is Bitcoin still popular?
- How to start a zero-based budget
- Sign-up bonus
- Best for member satisfaction: State Farm Medicare Supplement Insurance
- Where to get information
- 6. Memo line
- Card readers and apps
- 6. Tunes, directions and apps
- Payment processors with solutions for passing on credit card fees
- How much does it cost to buy Vanguard index fund shares?
- Emirates' 24-hour cancellation policy
- Factors that affect the cost of car insurance
- Borrowers who may consider a non-QM loan
- Transfer Apple Cash in 1-3 business days
- Comparing stocks and bonds
- How technology enables even more dynamic pricing
- The Federal Trade Commission’s budget worksheet
- Medicare Supplement Insurance plan comparison chart
- Pressure to overspend
- How to calculate your liquid net worth
- Terminal 2: Delta Sky Club
- Is per-card or overall utilization more important?
- 4 ways to identify greenwashing in banking
- How much is professional liability insurance?
- 4. Find the right car for you
- Goodbudget, for hands-on envelope budgeting
- MassMutual customer complaints and satisfaction
- The impact of payday loans
- The four options market participants and their incentives
- How flexible are Free Spirit points?
- New York state supplemental income tax
- Travel credits
- Fees for USDA and VA loans
- 7. Bank name
- 7. Massaging and heated seats
- Leave a detailed letter
- Credit cards help you track spending
- How to cancel an Emirates flight
- Information about your account
- How to protect yourself from credit card fraud
- Benefits of a SIMPLE IRA
- How are dividends taxed?
- How to use a dependent care FSA
- 5. Find tax credits for health insurance
- How to keep Hilton points from expiring
- What to expect from credit cards with high APRs
- Progressive home insurance coverage
- Take advantage of today’s CD rates
- Bid and ask prices
- Point-of-sale hardware
- Frugal DIY project tips
- Why the Chase Freedom Unlimited® could be more appealing for some
- 6 types of dividends
- April
- Where to find non-QM loans
- 5. Think twice about using credit cards or raiding your 401(k)
- States that have estate taxes, inheritance taxes or both:
- How much insurance do I need for a new car?
- 5. Death benefit and premiums are flexible
- Is stagflation the same as a recession?
- What is my Georgia residency status for state income tax purposes?
- How to get Spirit Airlines flight credits
- Choose a Medicare Supplement Insurance company
- VA loan down payment requirements
- Taxpayer Advocate Service offices
- Which vehicle history report should you get?
- What is a good business credit score?
- How to qualify for first-time home buyer benefits
- Buying call options vs. buying put options
- How much should you spend on a mattress?
- Average down payment by state
- What does UnitedHealthcare Medicare Advantage cost?
- APR vs. APY: What’s the difference?
- Lenders look at more than a bad credit score
- 8-9. Routing and account number
- The Bitcoin ETF price war
- Fines and legal actions: Wells Fargo’s recent history
- Can the entire Apple account balance be transferred?
- How MassMutual compares to other insurers
- Hardware wallets
- Form 944 instructions: A step-by-step guide
- Do I have to pay California state tax?
- How to open a Chick-fil-A franchise in 4 steps
- 6. Apply for college grants
- 3. Research mortgage lenders
- How to change your Frontier Airlines flight instead
- Find ways to stretch your grocery budget
- The pros and cons of zero-based budgeting
- Preferred Rewards program makes a big difference
- What does Aetna Medicare Advantage cost?
- Additional child tax credit
- How to invest in dividend stocks
- 6. Plan for next year with your W-4
- Does pre-qualification affect your credit score?
- How to apply for an SBA line of credit
- How can you prepare for stagflation?
- How are HELOC payments calculated?
- More ways to take charge of your budget
- RetailMeNot
- Can other types of data help my credit reports?
- What states are increasing minimum wages in 2024?
- The bottom line
- How to find the best professional liability insurance
- Integrations with accounting software
- 5. Contact the seller or visit a dealership
- Customer experience
- New York Life customer complaints and satisfaction
- How much car insurance you need
- How to choose between term and whole life insurance
- 3. EarnIn: Best for large advances
- Watch out for capital gains taxes
- More about MassMutual
- When do you have to pay taxes on stocks?
- Determine your annual FSA contribution
- Other ways to pay
- Is United’s basic economy worth it?
- W-4 form 2024
- Mattress-buying tips
- Drawbacks
- How do bonds work?
- 4. You can write off Bitcoin losses
- Credit-related deal breakers
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- How much of your fee goes to Upwork?
- Get a credit-builder product or a secured loan
- Do spot Bitcoin ETFs have custodianship risk?
- How to cancel an Emirates Skywards award flight
- Best homeowners insurance in Pennsylvania for consumer experience: Nationwide
- Can children under age 18 transfer Apple Cash to a bank account?
- Payments and credits
- ‘Long and variable lags,’ and other factors
- Drawbacks of SIMPLE IRA plans
- Cheap full coverage insurance for different drivers
- When to enroll in Medicare Supplement Insurance
- Other ways to find help at a tax office
- Do you need bodily injury liability coverage?
- How did we determine our Spirit Airlines points value?
- Discounts
- How does credit utilization affect my credit score?
- Step 4: Evaluate and pivot
- Deposit timing
- May
- Alternatives to non-QM loans
- VA loan property requirements
- Why doesn’t my report show a credit score?
- In-flight experience
- Compare the best savings and money market accounts
- Important Treasury Bond Terms
- When are New York state income taxes due?
- What is a pip?
- What’s the best overdraft option for me?
- Frugal home expenses tips
- What else to know about Apple Cash
- How to increase your pre-qualification amount
- Before you buy
- What doesn’t flood insurance cover?
- What is California's standard deduction?
- Watch out for scams
- Is there an income limit to qualify as a first-time home buyer?
- How does cryptocurrency work?
- Qualifying for a better credit card APR
- How compound interest works
- Making the choice
- Contract periods
- When to expect your child tax credit refund
- Which card (or cards) should you get?
- More about New York Life
- Taxes for rollover IRAs: 2 rules to know
- 3 ways to avoid inheritance tax
- 4. Get preapproved for a home loan
- How to find the 2024 W-4
- Minimum wage increases
- Do I have to pay New York state income tax?
- How to rent an apartment if you have credit challenges
- Benefits of a larger down payment
- Passport picture requirements in the U.S.
- 10. Signature
- How sole proprietors and single-member LLCs can get an EIN
- Credit cards help build credit
- 6. Inspect and test-drive the car, if applicable
- New charges
- How to avoid Spirit cancellation fees
- Find the best HELOC lender for you
- What is net investment income tax?
- Eligibility for other VA loans and grants
- Writing call options vs. writing put options
- Compare the best CD accounts
- Advantages of itemized deductions
- Terminal 3: Escape Lounge
- Strategies for keeping your credit utilization low
- How to avoid mortgage insurance
- Customer support
- What to consider before you begin investing
- What do the approvals mean for Bitcoin?
- Why some cars cost more to insure
- Getting the most from your pre-qualification limit
- What is Georgia's standard deduction?
- How do AI-driven algorithms work in dynamic pricing?
- What part of my income gets taxed by California?
- What else you need to know
- Upside
- Why liquid assets are important
- What if Frontier Airlines cancels your flight?
- What is the median household income in the U.S.?
- Alternatives
- What percent down payment do you need for a house?
- How to avoid overdraft fees
- How do you buy Vanguard Index fund shares?
- Emirates' cancellation policy recapped
- Full list of the best homeowners insurance in Pennsylvania
- 4. Varo: Best for existing bank customers
- EveryDollar, for simple zero-based budgeting
- Are credit scores from all major bureaus the same?
- 5. Submit your application
- How are cryptocurrencies created?
- Claiming tax-deductible donations on your tax return
- Consumer experience
- 5. Failure to report Bitcoin can be costly
- How much should you put down on a house?
- Best for extra benefits: Anthem Medicare Supplement Insurance
- How to avoid Wells Fargo overdraft fees: Grace period and buffer
- Use a co-signer
- 2024 child tax credit news update
- June
- Reasons to get a mortgage instead of buying with cash
- Some helpful links from the IRS
- Is a SIMPLE IRA right for me?
- Is getting a Spirit credit worth it?
- Do I have to update my W-4 every year?
- Compare the best checking accounts
- Is APY variable?
- How to do well on Upwork
- Do you ever need to change your EIN?
- When not to use a credit card
- Alternatives to term and whole life insurance
- Interest charges
- How to pay lower taxes when selling stocks
- The bottom line
- Disadvantages of itemized deductions
- When did all of the tech layoffs start?
- What is New York state's standard deduction?
- Problems with tenant background checks
- Understanding forex lot sizes
- 7. Determine which warranties are right for you
- Am I a resident for California state tax purposes?
- Additional benefits
- How much bodily injury liability coverage do you need?
- See if zero-based budgeting is right for you
- Additional Aetna benefits
- How much does homeowners insurance cost in Pennsylvania?
- How long does it take to get pre-qualified for a mortgage?
- What's the tax filing deadline for my Georgia state income tax bill?
- How to improve your liquid net worth
- Why insurance companies reward smart-home devices
- Why are there so many kinds of cryptocurrency?
- Compare the best banks, credit unions and cash management accounts
- Are bonds a good investment?
- Glossary of overdraft terms
- Is Upwork the right freelance marketplace for you?
- Become an authorized user
- How to evaluate dividends
- How to save on car insurance
- What’s the future of dynamic pricing?
- How can I check my credit reports?
- How to adjust your Form W-4
- Why do I need a business credit score?
- Other options for getting your money back
- Other considerations to determine your down payment
- Next steps
- July
- What are the best Vanguard index funds?
- What do the approvals mean for other crypto investments?
- Ibotta
- Interest-based passive income ideas
- Progressive vs. competitors
- Am I a resident for New York state income tax purposes?
- Tips to avoid rental credit check problems
- How to find and book hotels with multiple room suites
- How to make money trading forex
- Can I take my own passport photo?
- What if you lose your EIN?
- Are these the best dividend stocks?
- 5. Dave: Best for repayment flexibility
- Airline credit cards
- Compare the best bank accounts for students and kids
- Charitable contributions 2023
- UHC Medicare Advantage plan types
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- Aetna Medicare Advantage plan types
- 8. Negotiate the best price
- Can you contribute to a rollover IRA?
- Off-Strip hotels without resort fees
- How do I get my business credit score?
- Finding the right small business financial advisor
- Terminal 4: Priority Pass dining
- Average cost of homeowners insurance in Pennsylvania by city
- Should you buy smart-home devices?
- Summary of the best banks and credit unions of 2024
- Advantages of the standard deduction
- Using your leverage
- Consequences of a child tax credit error
- Empower Personal Dashboard, for tracking wealth and spending
- How to track your Georgia state tax refund
- What if I see a mistake on my report?
- 6. Begin the underwriting process
- Home shopping tips
- What’s a good down payment for a house?
- How much money can you make on YouTube?
- Passport picture requirements don't forbid makeup
- Carbon offsets and other gray areas
- August
- Don't assume cash is better
- How do I find my public and private keys?
- Should you try options trading?
- Are cryptocurrencies financial securities, like stocks?
- Support climate solutions
- 4 key things to know about bonds
- Get credit for the bills you pay
- 9. Maximize trade-in value, if applicable
- The cheapest homeowners insurance in Pennsylvania
- 6. MoneyLion: Best for existing customers
- How can I save on new car insurance?
- Is flood insurance required?
- Final thoughts on the different United economy fare classes
- Dosh
- Important considerations when opening a Roth IRA
- Third-party ratings
- Medigap plan types
- State child tax credits
- 2 things to know about Georgia state tax
- What else do credit bureaus do?
- Aetna third-party ratings
- Starting a landscaping business: The economics
- Ideal Chick-fil-A operator candidate
- Fort Lauderdale airport lounges recapped
- Forex trading vs. stock trading
- September
- Earn an audience, and earn more in the long run
- What is the $500 credit for other dependents (ODC)?
- Are dividends taxed?
- 10. Make the purchase
- What to know about Pennsylvania homeowners insurance
- Other factors to consider
- How full coverage car insurance works
- Pros and cons of cryptocurrency
- Standard deduction vs. itemized deductions
- Practice good credit habits
- Child tax credit vs. child and dependent care credit
- Next steps
- What is credit card consolidation?
- 7. SoLo Funds: Best for peer-to-peer cash advances
- California state tax credits
- 7. Prepare for closing
- Final thoughts on Hilton points expiration
- Common mistakes a financial advisor can help you avoid
- Receipt Hog
- W-4 calculator
- Delta vs. Alaska: The results
- Other ways to make money
- More resources on investing
- The bottom line
- October
- PocketGuard, for a simplified budgeting snapshot
- How consumers can take advantage of dynamic pricing
- How does credit card consolidation work?
- Alternatives for the best life insurance for kids
- How to get resort fees waived
- 8. Close on the home
- 3 best cold wallets
- What else to know about Form W-4
- UnitedHealthcare Medicare service area
- More about top-rated life insurance companies
- 8. Klover: Best for no-fee advances
- Aetna Medicare Advantage service area
- Check your credit scores and reports
- November
- Should you buy stocks or bonds?
- When to pay the resort fee
- How to find cheap full coverage auto insurance
- NYC income tax rates
- OK, what's next?
- Is consolidating credit card debt a good idea?
- Rakuten
- Cryptocurrency legal and tax issues
- Best stocks for beginners
- Can I still use my credit card after debt consolidation?
- If you’re heading to Las Vegas
- How much flood insurance do I need?
- Home purchasing tips
- Chick-fil-A alternatives
- December
- Pros and cons of loan apps
- Honeydue, for budgeting with a partner
- Alternative options to a small business financial advisor
- Your decision: Is cryptocurrency a good investment?
- UnitedHealthcare customer service
- Pennsylvania department of insurance
- The upside down: When debt and equity roles reverse
- Other cash-back apps to consider
- Aetna customer service
- Why you can trust NerdWallet
- How to track your California state refund
- The bottom line on investing in stocks
- Looking for more insurance in Pennsylvania?
- Shopkick
- Cheapest car insurance by state
- How much is flood insurance?
- 6 things to know about New York state income tax
- CoinOut
- How flood insurance works
- California state sales tax
- Swagbucks
- How to find the best term life insurance company
- Do you need a small business financial advisor?
- Alternatives to the best whole life insurance
- Budgeting resources from NerdWallet
- How to make money from home
- Credit cards do cash back too
- 5 things to know about California state tax
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- More about whole life insurance
- How to get flood insurance
- How we picked the apps
- The bottom line
- Methodology to identify the best budget apps
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- More about top-rated life insurance companies
- More about term life insurance
- Alternatives to cash advance apps
- More about top-rated life insurance companies
- How to make money offline
- Cash advance app star rating methodology
- Other ways to save money
- Full list of the best car insurance companies
- Full list of the best car insurance companies
- Best car insurance companies by state
- Best car insurance companies by state
- How to find the best car insurance
- How to find the best car insurance
- Watch out for making money scams
January
With a fresh page on the calendar comes a fresh start for sales. These items are discounted in January:
Bedding and linen. Department stores hold bedding and linen “white sales” in January with deep discounts on sheets and towels.
Fitness equipment. Retailers will meet goals to get in shape with decent deals. Expect workout gear and apparel sales to abound at sporting goods stores. (Tip: Tread lightly on a treadmill purchase unless you're sure you’ll use it. It’ll always be cheaper to walk around the block.)
TVs and electronics. Just before the Super Bowl, retailers normally discount TVs and other home theater essentials.
Mark your calendar: Martin Luther King Jr. Day is Jan. 15.
Freebie day: National Spaghetti Day is Jan. 4.
February
It’s the month of love and gift-giving, but February might be a better time to buy major items for yourself than trinkets for your loved one. Options include:
TVs. Television sales spill over from January into February ahead of the Super Bowl. Aside from Black Friday, this is one of the best times to buy a TV.
Winter items. With winter winding down, retailers will be looking to unload inventory of cold-weather products. Look for sales on apparel and winter sports gear that you'll need later in the year.
Home goods. Expect retailers to put home stuff on sale for Presidents Day and the weekend preceding the holiday.
Leftover chocolate. The savvy couple does Valentine’s Day a week late to save a buck. Grab a heart-shaped box of candy on Feb. 15, when stores will be discounting their Valentine’s Day leftovers. It’ll be easier to get a dinner reservation after Feb. 14 too.
Mark your calendar: Super Bowl Sunday is Feb. 11, Valentine's Day is Feb. 14 and Presidents Day is Feb. 19.
Freebie day: National Frozen Yogurt Day is Feb. 6.
March
There aren’t any major shopping holidays in March, but that doesn’t make for a total lack of sales. Look for deals on these products:
Tax software. Retailers like to discount tax software in March, ahead of Tax Day in April.
Grills. Buy your summer grilling necessities now to avoid a spike in prices when summer arrives.
St. Patrick’s Day essentials. Around St. Patrick’s Day, online retailers and department stores usually discount green clothing, party supplies and jewelry.
Vacuum cleaners: Some retailers will be ready to reward early spring cleaners with a deal on a Dyson, Shark or other brand of vacuum.
Mark your calendar: St. Patrick’s Day is March 17 and Easter Sunday is March 31.
Freebie day: Pi Day is March 14, because 3.14 (get it?).
April
April has its fair share of spring deals and discounts, including:
Vacuums. April is the real cleaning month and will bring more deals on vacuums. Look for markdowns at department stores as well as on manufacturers’ websites.
Tax-themed items. Year after year, retailers and restaurants try to lighten the burden of Tax Day with discounts and freebies on services like paper shredding. Keep an eye out for these around mid-April.
Beauty products. Time to get outside and look your best. The Sephora spring sale is usually this month.
Sustainable items. To celebrate Earth Day, be on the lookout for retailer deals on sustainable items, such as reusable totes and water bottles, sustainably made clothing and other “green” products. Is this the year you start composting? We support that.
Mark your calendar: Tax Day is April 15.
Freebie day: Earth Day is April 22.
May
April discounts give way to more in May. Here’s a look at some items to consider buying this month:
Spring apparel. By May, retailers will discount spring clothing that has already been hanging on racks for a month or two.
Furniture. Three of the biggest blowout shopping days are Black Friday, Labor Day and Memorial Day. Memorial Day is in May, so look for furniture and home decor discounts from big-box stores.
Small kitchen appliances. Use May discounts as an opportunity to buy small kitchen appliances, such as coffee makers and blenders. Typically, these products are included in Memorial Day sales, and they make great gifts for upcoming summer weddings.
If last year’s shopping research is any indication, prices on select kitchen gadgets could drop the Friday before Mother’s Day.
Mark your calendar: Mother’s Day is May 12 and Memorial Day is May 27.
Freebie day: National Hamburger Day is May 28.
June
June is short on days, but long on the list of deals. Smart purchases include:
Lingerie. Stock up on undergarments in June. That’s when Victoria’s Secret, for example, has been known to host its famous semiannual sale. The sale also typically occurs in December.
Other semiannual sales. The midway point is known for sales at lots of stores. In past years, we’ve seen stores like Bath & Body Works and Brooks Brothers hold semiannual sales in June.
Gym memberships. Consider buying a gym membership during the summer, and be sure to negotiate for the best deal. Gyms may be eager for sign-ups when people are more likely to spend time outside.
Tools and other dad gifts. In preparation for Father’s Day, many retailers will offer deals on a variety of power tools and outdoor gear, as well as things like men’s clothing. Solo Stove has discounted its portable fire pits around this time in the past.
Mark your calendar: Father’s Day is June 16.
Freebie day: National Doughnut Day is June 7.
July
In July, prices drop like it’s hot. Consider buying these:
Summer apparel. The sun is still out, but demand for summer clothes starts to go down. So, buy up shorts, tanks and flip-flops while stores make it worth it. Buy only what’s on sale, though.
July Fourth items. Retailers like a reason to celebrate. In the days leading up to Independence Day, there’s usually an abundance of sales on red, white and blue products, as well as on barbecue and backyard items, sporting goods, jewelry and furniture.
Personal electronics on Prime Day. Amazon’s Prime Day happened on July 11 and 12 in 2023, so you can likely expect similar timing in 2024. It’s basically Black Friday in July, and it’s a hot sale for electronics and gadgets, among other categories. It also drives other retailers to compete with copycat sales.
School supplies. Kids won't want to think about the end of summer yet, but retailers start putting school supplies on sale in late July. If you have supply lists in hand, shopping back-to-school early can help you avoid the August rush.
Mark your calendar: Independence Day is July 4.
Freebie day: National Ice Cream Day is July 21 and National Lipstick Day is July 29.
August
Close out summer by buying summer products? That’s right. Look for end-of-season clearance sales in August on:
Back-to-school supplies. The start of school marks the need to buy low-cost items such as notebooks and pencils and more expensive ones like calculators and laptops. Generally, the closer to the start of the school year you buy, the better your chances of getting a good price.
Backyard products. Ride out the end of summer with a big deal on lawn mowers and other seasonal outdoor equipment, like a grill.
Swimsuits. There may not be many swimming days left by the time August rolls around, but that’s exactly why swimsuit clearance sales will crest. Buy swimsuits now for next year.
Tax-free shopping. Back-to-school can be expensive. However, to aid in the purchase of school supplies, clothes, personal computers and other approved necessities, many states offer a tax-free weekend. If yours does, check the date and have your list ready.
Mark your calendar: For many school districts, the first day of school is in August.
Freebie day: National Waffle Day is Aug. 24.
September
With deals on items as varied as mattresses and pool toys, September is a surprising month for good buys. Score reasonable prices on these:
Mattresses. Year after year, September is a good time for mattress sales. Expect deals from department stores and mattress centers, usually as a part of Labor Day promotions.
iPhones. Apple often announces its latest iPhone lineup and other products in September. The unveiling is usually followed by a drop in prices on the models that have been around awhile. Check out used iPhones around this time too.
Appliances. Expect a series of blowout deals in the week leading up to Labor Day, including promotions on appliances big and small.
Mark your calendar: Labor Day is Sept. 2.
Freebie day: National Cheeseburger Day is Sept. 18.
October
Retailers won't ghost you in October. There will be plenty of deals on these product categories:
Outdoor furniture. Expect deals on patio furniture and outdoor living products when the weather turns cool.
Jeans. Fall inventory arrives in stores in August and September, but you’ll pay top dollar unless you wait a few weeks. October is a great time to buy a new pair of jeans.
Candy. The closer you get to Halloween, the better your chances of snagging a discounted bag of candy for trick-or-treaters.
Holiday gifts. Amazon has held a Prime Day-like shopping event in October for the past two years. The multi-day event sparked similarly-timed sales from retailers like Target, Walmart and Best Buy and featured deals that rival Black Friday and Cyber Monday. These events have made early October a top time to buy gifts or things you need for yourself.
Mark your calendar: Columbus Day and Indigenous Peoples Day are Oct. 14 and Halloween is Oct. 31.
Freebie day: National Taco Day is Oct. 4 and National Dessert Day is Oct. 14.
November
November is the real month for Black Friday sales, which means some of the most popular technology products fall to their lowest prices. Expect most retailers to offer some kind of deal on products in nearly every category — not just on Black Friday, but throughout the month.
Electronics. Gadgets like TVs, tablets and laptops take center stage during Black Friday sales. Look for discounts on headphones, smart speakers and activity trackers, too.
Clothing. November has to be the busiest month for clothing catalogs. Scan the brands you like for discounts, and shop stores like Gap, Land’s End and American Eagle directly online for surprise coupon codes.
Streaming subscriptions: As if you need another password to remember, November has become a great time to sign up for a new streaming service. Popular content providers like Hulu and Paramount+ have offered solid subscription discounts during extended Black Friday sales in the past.
Mark your calendar: Thanksgiving is Nov. 28 and Black Friday is Nov. 29.
Freebie day: National Sandwich Day is Nov. 3.
December
The end of the year is just the beginning of discounts in some product categories. Look for sale prices on these items in December:
Electronics. Those Black Friday electronics deals from late November will spill over into the new month.
Small kitchen appliances. Cyber Monday 2024 falls on Dec. 2, and it’ll likely be a great time to get an air fryer. NerdWallet monitored prices on 10 popular products during every major sale of 2023. Each of the three kitchen gadgets on our list — an air fryer, stand mixer and coffee machine — hit low prices on Cyber Monday.
Toys. Toys are popular holiday gifts, and stores generally drop prices as the season draws to a close. Look on Black Friday but buy in December.
Christmas decorations. Beginning the day after Christmas, shop sales for deep discounts — often upward of 50% — on decorations, wrapping paper, ornaments, artificial trees and similar seasonal fixings.
Mark your calendar: Christmas is Dec. 25. Hanukkah starts Dec. 7.
Freebie day: National Cookie Day is Dec. 4.