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.
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- Card network
- Chase vs. Wells Fargo: Basic checking accounts
- About home equity loans
- CD rate forecast: 2024
- Rates slow to sync with Treasurys
- 5. Seek community loans and assistance
- Deciding where to go
- Additional ways loans may be forgiven
- 5. Borrow with your library card
- How to find growth stocks
- Disney virtual queue tips
- 3. High-yield money market accounts (MMAs)
- Risky business
- How to search for award availability?
- How can I save money on gas?
- What is better: deferment or forbearance?
- Alternative minimum tax rates 2024
- Joann
- 7. Song Hong Business Lounge
- Make someone else the primary driver
- How to fill out a 1040 form
- Who is affected by generational financial trauma?
- 3. You’ll enjoy comfort amenities on international flights
- Are Vanguard index funds a good investment?
- How to choose between an IRA and a 401(k)
- How to calculate APY
- Is it harder to qualify for a personal loan?
- 3. ‘My lease is up next week.’
- When are state income tax returns due?
- What is an index?
- Factors to consider when paying a mortgage with a credit card
- Home equity loan interest
- 2. Wait for the transfer to go through
- Calculate your DTI
- Some state policies have increased FAFSA completion rates
- Buying a manufactured home
- Big changes to the Marriott Bonvoy Brilliant® American Express® Card
- Use a budget planner
- Unemployment benefits in normal times
- HSA-eligible expenses
- What’s going on with layoffs in tech?
- The venue (average cost: $5,761)
- 3. Mandalay Bay (World of Hyatt, Mid-tier)
- Why is OpenAI in the news so often?
- Key differences between term life and whole life
- What CD early withdrawal penalties cost at some big banks
- What is a FICO Auto Score?
- Medicare Part B penalty calculator
- 3. It gets you toward the front of the line
- Child tax credit 2024
- Choose the least expensive high-interest debt
- Roth IRA income and contribution limits 2024
- Do I have to pay state tax on lottery winnings?
- When is the best time to travel to Puerto Rico?
- 3. Build savings
- How does the IRS Free File program work?
- Are CD interest rates rising?
- 2. The card’s benefits all have cutesy names
- The pros and cons of investing in tech stocks
- 2. Boosting wealth with home loans
- How long an unemployment deferment lasts
- March
- 3. … and it can also be a low-interest card
- Long story: It's complicated
- 3. Look like you know where you're going
- Average daily balance
- Do all workers earn at least the minimum wage?
- Learn more:
- Amica
- How do you start a budget?
- Other credit card studies and surveys
- 8 types of financial advisors
- 4. Dress smart
- How much does it cost to add an additional insured?
- 3. Determine other ownership costs
- How to cancel Medicare Part B coverage
- 3. The IRS has the paperwork you’ll need
- What can cause a 3-day closing delay?
- Should you refinance?
- Mortgage selection tips
- What’s the best way to leave a tip?
- Top car-buying apps
- Secured vs. unsecured business loans
- What can you invest in with a Roth IRA?
- Frugal entertainment tips
- How safe are online money market accounts?
- How to qualify for the QBI deduction
- Which P2P payment service should you use?
- Retirement savings by age
- Tax on mutual funds when you sell
- Do personal credit scores affect business credit scores?
- What happens if you don’t tip?
- 529 plans by state
- How much can I borrow in federal student loans?
- 7. Only buy Wi-Fi if you absolutely need it
- Your spending style matters, too
- Best term life insurance policies for 2024
- 6. Ask for forbearance on bills
- Treasury bill rates compared to other Treasury securities
- How to calculate your net worth
- How long will your mortgage loan last?
- Trading in a car with negative equity
- How to buy AI ETFs
- Plan and redeem strategically
- What is the point of the stock market?
- When is the best time to use United miles?
- Exclusions
- How to buy a life insurance policy
- Looking to reduce your interest rate the right way?
- Full Review
- How the early-pay discount works
- 5 ways to make money on Instagram
- 3. You can earn cash back, but with caveats
- How to pay off a mortgage early
- When should I close my credit card?
- Best travel insurance overall: Berkshire Hathaway Travel Protection
- Renewing a stop payment costs money, too
- All year
- When to use a credit lock
- Put your dispute in writing
- When do you pay a secured card deposit?
- Research the company's history to get a fuller picture
- Dual agency is illegal in some states
- When?
- Cost of getting a loan on your credit card
- 4 more ways to estimate how much life insurance you need
- For credit and savings
- 12 credit unions that use Zelle
- How to calculate debt-to-income ratio for a mortgage
- How much does a cashier’s check cost?
- 4. Neither card offers perks
- How to get priority boarding on Frontier flights
- Know a CD’s federally insured maximum
- 2. Empower: Best for fast cash
- Should you pay the outstanding balance?
- 4. Open the mobile deposit function in your bank app
- Do I need to pay gift taxes on the money I donate?
- What credit cards allow access to United Club lounges?
- 4. Parks and beaches
- 3. Comparison shop between brands (the discount ones aren't always cheapest)
- 401(k) loans are tied to your company
- Top 9 Bitcoin strategy ETFs by fee
- Try a simple budgeting plan
- How the annual gift tax exclusion works
- Reason No. 2: Rising interest rates
- Average interest checking account rate: 0.07%
- Goal: Graduate with less student loan debt
- Ways to consolidate your debts
- California income tax deadlines and extensions
- 4. Split your payment in half and pay twice
- Cost of term life vs. whole life
- What Pumpkin pet insurance covers
- Cost for State Farm Medicare Supplement Insurance
- Apply for loan modification
- Medicare Part D late enrollment penalty
- How is a modular home built?
- Invoice factoring example
- 3. Build credit
- What else you can expect when flying JetBlue Mint
- What is an escrow account?
- Have the owner add you to their policy
- Should you buy growth stocks?
- What can I use a home equity loan for?
- Health insurance deductible
- When is a high-deductible Medigap plan worth it?
- Airline and hotel partners
- Used-car prices also inching down
- How a savings account works: withdrawal limits
- 3. It has a sign-up bonus, but you'll have to spend a lot to get it
- Make a plan for extra money in your budget
- What's the average homeowners insurance deductible?
- What’s the difference between a pending transaction and a hold?
- Why is Bitcoin still popular?
- 4. ‘I want $10,000 for my trade-in, and I won’t take a penny less.’
- New York state supplemental income tax
- 5. Volunteer
- Cheap cell phone plans from brands owned by the big three
- Insure your business
- Is a reverse stock split good or bad?
- Are I bonds a good investment?
- Openly home insurance coverage
- Which states have an estate tax?
- Roth IRA contribution limits 2023
- Best for member satisfaction: State Farm Medicare Supplement Insurance
- Fubo add-ons
- Add a new school or delete one
- Advantages of HSAs
- How to invest in the S&P 500 in two steps:
- Tips for using money market accounts
- Where to find your AGI on your 1040
- Who can open a joint business account
- 3. The APR for transactions could be a debt magnet
- What interest rate can I expect with federal student loans?
- Other factors can help you buy a car with bad credit
- Factors that affect the cost of car insurance
- What is Frontier stretch seating?
- How much are Chase Ultimate Rewards® points worth?
- Child tax credit expansion: What the tax deal could mean for you
- The cons of booking with Priceline
- 7. Request a payroll advance
- 6. Share a friend's or relative’s account
- Disney virtual queues recapped
- Cheap car insurance in Texas by age
- Traditional IRA deduction limits 2023-2024
- No one likes big surprise bills at tax time. What are some ways to pay less and maximize credits and deductions?
- Which airlines give free in-flight Wi-Fi for elite status?
- Who’s eligible for joint life insurance?
- Best long-haul Flying Blue Promo Rewards
- Additional car insurance coverage options
- How to calculate alternative minimum tax
- Can I appeal if I’m denied based on medical necessity?
- The Federal Trade Commission’s budget worksheet
- Startup business grants from private companies and nonprofits
- 6. Dnata Lounge
- Stay off the Strip
- What state has the lowest gas prices?
- What to do when your credit card expires
- Are bonuses taxed differently?
- What you need to bring to the closing
- 3. It offers limited benefits and discounts
- What do U.S. passport status updates mean?
- How much does it cost to buy Vanguard index fund shares?
- Types of state income tax
- What is my Georgia residency status for state income tax purposes?
- What is a blanket additional insured endorsement?
- Online check-in
- How to re-enroll in Medicare Part B coverage
- Discount points
- Savings account simple interest vs. compound interest
- 3. Rewards won’t make up for runaway spending
- How to choose a money market account
- Our pick for dining: U.S. Bank Altitude® Go Visa Signature® Card
- The American Airlines Flagship business class experience
- Disadvantages of buying a car online
- What crowdfunding tax documents do I need?
- High CD rates for now
- Putting any excess to better use
- Standard deduction 2023
- Are Roth IRAs insured?
- Prosper might be a better option if you:
- Goodbudget, for hands-on envelope budgeting
- Blue Cash Preferred® Card from American Express
- First class, business class or premium economy?
- How do streaming services fit into your budget?
- Mid fee: Chase Sapphire Preferred® Card
- Strategies to avoid a CD penalty
- The cost of debt without a balance transfer
- Regulated versus unregulated debit cards
- Chase vs. Wells Fargo: Basic savings accounts
- 3. Take your own transportation
- New car replacement vs. better car replacement
- 1. High-yield savings accounts
- Why is net worth important?
- Planning meals and activities
- 4. Peer-to-peer lending
- If you're traveling overseas
- 2. Electronic funds withdrawal (EFW)
- No guarantee that savings will be passed on
- American Airlines premium economy vs. Main Cabin Extra
- 3. You get more out of the card with a Cred.ai deposit account
- Two ways to access Hyatt lounges without Globalist status
- Local sales
- Top credit cards that offer preapproval without a hard pull
- Best life insurance company overall: MassMutual
- What does SCAN Health Plan Medicare Advantage cost?
- Other options for reduced loan payments
- Apply for Clear (maybe)
- How many Wyndham points will I earn on hotel stays?
- What’s next?
- How to claim the sales tax deduction
- 4. Find the right car for you
- Report errors or ask questions ASAP
- Risks of fixed-income investments
- Submitting the FAFSA is key to paying for college
- The bottom line
- 5. Take clear pictures of the check with your mobile device
- Choosing a manufactured home lot
- Average car insurance rates after a speeding ticket in California
- Roth IRA income limits 2023
- Why you still might want to go with the Southwest Rapid Rewards® Premier Credit Card
- Should you use buy now, pay later?
- 5. In the street
- Choosing a secured or unsecured business loan
- Should you use a 401(k) loan to pay off debt?
- If you’re over the income limit
- 6 quick tips to minimize the tax on mutual funds
- Paying the VA funding fee
- What is a good business credit score?
- The choice could be a burden
- 4. Virgin Hotels Las Vegas, Curio Collection by Hilton (Hilton Honors, Mid-tier)
- How does Spotify fit into your budget?
- What doesn’t impact your life insurance premium
- About home equity lines of credit
- Take advantage of today’s CD rates
- How to book a seat in JetBlue Mint
- Are Treasury bills a good investment?
- 3. Use a retirement calculator
- Before you flip
- 2024 IRS Free File: Participating tax software providers
- Which life insurance policy is right for me?
- Kirkland’s
- 4. Your account is available immediately upon approval
- 4. Leave the Rolex at home
- What do I need to fill out Form 1040?
- Don’t compromise your retirement for college savings
- 5. ‘I’ve been looking all over for this color.’
- National second chance banking
- How much do index funds cost?
- 3. Pay off your balance
- Remember your CD’s maturity date
- 4 tips for keeping your money in CDs insured
- Does the cost of FuboTV fit into your budget?
- What’s a spousal Roth IRA?
- Frugal DIY project tips
- How to find another company's EIN
- What is a good beta for a stock?
- Why the Roth IRA works for many savers
- 5. Transfer your balance to a 0% credit card
- Prepaid 529 plans by state
- Your 401(k) plan allows after-tax contributions
- Eliminate mortgage insurance
- 4. Genie+ doesn’t include all rides
- Modular homes vs. site-built homes
- Pros and cons of invoice factoring
- Why you might want The Platinum Card® from American Express
- 8. Take a loan from your retirement account
- Home equity loan rates in 2023
- Cheap car insurance in Texas for 20-year-olds
- Should I take a lump sum payment or annuity payments?
- 4. Take out business school student loans
- How does a HELOC work?
- Pet insurance coverage at a glance
- The new normal and tips for buying a car now
- Multiple cards typically mean more rewards
- 3. Responding to business community needs in a crisis
- April
- 5. Turkish Airlines Lounge
- Get 'parked car insurance'
- Get around the Strip for free or cheap
- What does this mean for you?
- How generational financial trauma affects you and your finances
- 4. New cardholders are eligible for a small discount
- How much should you spend on a mattress?
- 4. You’ll have plenty of in-flight entertainment
- How to resolve an issue with a pending transaction
- How do you find out how much equity is in your home?
- APR vs. APY: What’s the difference?
- Designated agency vs. dual agency
- What's next?
- Whole life insurance
- How to make money as a Twitch Affiliate
- How much interest will I earn on $10,000?
- Money market accounts vs. other accounts
- How hazard insurance works
- What if you can’t afford to tip or choose not to?
- When to make changes to the FAFSA form
- 6. Libraries and museums
- 4. Leverage memberships
- The Bitcoin ETF price war
- Reason No. 3: Bigger jackpots mean more tickets sold
- Decide among low interest, 0% or rewards
- The significance of adjusted gross income
- How to apply for a joint business bank account
- Do I have to pay California state tax?
- How to invest in dividend stocks
- Can you invest in OpenAI’s partners?
- How to apply for private student loans
- Medicare Part D penalty calculator
- How much does Frontier Airlines stretch seating cost?
- 4. Save by cooking group meals
- Tips for putting it all on a card
- 7. Check your app store for free downloads
- How to invest in AI stocks
- Can United miles be used on other airlines?
- Endorsements
- Savings accounts vs. CDs
- VA loan refinance eligibility
- OpenSky® Secured Visa® Credit Card
- Deferment vs. forbearance for private student loans
- How much coverage can you get?
- What is non-operating revenue?
- 4. Beware of the sky-high interest rate
- How to open a brokerage account
- What you'll pay at closing
- Need more points? Loyalty is rewarded
- Flood and earthquake insurance deductibles
- Which plumbing problems aren’t covered?
- How long does passport processing take?
- Find out when exactly your coverage begins
- Property taxes
- What if I lose the cashier's check?
- Bank of America® Customized Cash Rewards credit card
- 4. Redemption options are limited
- 5. There are no other Merrick Bank credit cards to graduate to
- How much can you make with I bonds?
- 5 steps to applying for a mortgage
- Other ways to gain airport lounge access
- Standard deduction 2024
- Are P2P payments safe?
- What’s not covered
- Average cost of term life insurance by age
- Payment processing fees
- New car replacement vs. gap insurance
- W-4 form 2024
- Blue Cash Preferred® Card from American Express
- How to compare personal loans
- 4. Save for retirement
- 9. Borrow against life insurance
- How to increase your net worth
- Paying for the trip
- Final steps
- Exceptions to IRA contribution limits
- Car insurance deductible
- 4. The card is essentially fee- and interest-free
- Prices up even when they’re generally lowest
- More ways to take charge of your budget
- 5. It’s one of several ways you can pay for medical expenses
- 5. Use (and hide) your phone strategically
- 4. There are a variety of redemption options
- What states are increasing minimum wages in 2024?
- Auto-Owners
- Look into ways to cut costs before applications start
- Information is power
- Diversifying with index funds
- Alternatives to getting a loan on your credit card
- Cheap cell phone plans from brands that resell network service
- Bottom line
- 3. EarnIn: Best for large advances
- PayPal cryptocurrency fees
- Cost of a manufactured home
- Cons of SkyTeam Alliance
- Calculate your reduced Roth contribution
- 7. Aquariums and zoos
- More about money market accounts
- How to store the Bitcoin you buy
- Get more help with monthly budget planning
- Is first class worth it?
- How to choose between term and whole life insurance
- Step 3: Choose your lender and loan
- Your 401(k) lets you move your after-tax money
- Additional functionality
- How much car insurance you need
- Chase vs. Wells Fargo: Certificates of deposit
- 5. Online savings accounts
- What bad tax advice do you consistently see given?
- What is American Airlines Main Plus?
- Clothes, vintage and crafts
- What does pet insurance cover?
- Capital One SavorOne Cash Rewards Credit Card
- What can you buy with each cryptocurrency?
- What car insurance doesn’t cover
- How much to keep in your savings account
- 4. Air France – KLM SkyLounge
- Alternatives to canceling a credit card
- Mattress-buying tips
- 5. Contact the seller or visit a dealership
- 4. You can write off Bitcoin losses
- What's next?
- Workers fear losing hard-fought union benefits
- Stock split vs. reverse stock split
- 6. Confirm the check details and complete the deposit
- Best for premium discounts: Mutual of Omaha Medicare Supplement Insurance
- 4. It packs credit-building features
- Limitations of beta analysis
- 5. The Palazzo at The Venetian Resort (IHG One Rewards, Luxury)
- What destinations aren’t served by Southwest?
- When to use private student loans
- Ways to earn money as a teenager
- How do balance transfers work?
- Should I file taxes now or wait for the child tax credit expansion?
- 10. Use a credit card cash advance
- What causes Treasury bill rates to fall?
- 4. Revisit regularly
- What are the most popular attractions in Puerto Rico?
- How to redeem rewards on the Capital One Spark Cash for Business
- Track credit card purchases
- Which should you choose?
- Plan your miles strategy
- When upgrading your credit card makes sense
- 5. A checking account is required
- Pay brunch price for buffets
- Download Form 1040
- How are gas prices determined?
- Interest rate
- 5. You won't want to carry a balance
- 5. You can schedule a free stopover or tour in Istanbul
- Is now a good time to get a personal loan?
- How much?
- When are New York state income taxes due?
- For credit building
- Home office expenses
- Access small business loans and financing
- 5. There’s a credit score requirement
- What is the difference between an inheritance tax and an estate tax?
- 8. Cafes, restaurants and bars
- How to open a Roth IRA in 6 steps
- Gift tax limit 2023
- How the qualified business income deduction works
- How to safely make and receive P2P payments
- Cons of electric cars
- Pumpkin coverage options
- What’s the best overdraft option for me?
- 5. Be OK with doing different things
- Make money with Amazon by recommending products
- Invoice factoring vs. invoice financing
- Get standard car insurance and keep it short term
- Ways to get the best home equity loan rates
- How do I deal with lottery taxes?
- Which airlines have free Wi-Fi for premium cabin passengers?
- What is the stock market doing today?
- What are IRS Free File Fillable Forms?
- 5. It’s made of metal
- Calculate the cost of deferment vs. forbearance
- Best life insurance company for applicants with HIV: Guardian
- Consider the costs of cashing out your 401(k)
- How to invest in tech stocks
- How to redeem Hertz Gold Plus Rewards points for max value
- Costs of working with an iBuyer
- What tax breaks do you lose under the AMT?
- Spaces to work
- May
- 6. Dress appropriately for the culture
- How can you start to heal?
- How to handle these bills
- How does cryptocurrency work?
- What pet insurance pays for
- Obstacles to paying a mortgage with a credit card
- What is a good DTI ratio?
- Grace periods at some banks
- Big picture: CDs fit in the cash portion of a portfolio
- 7. Keep the check until it's processed
- Buying a car in person
- How to update tax information on the FAFSA
- How do I get a copy of my actual tax return?
- Frugal home expenses tips
- The pros
- Shop around to find the best personal loan
- Average certificate of deposit rate: 1.81% for one-year CDs
- What is California's standard deduction?
- LLC payroll taxes
- 5. Genie+ is available at multiple parks
- How to find the 2024 W-4
- 11. Look for a payday alternative loan
- Types of mortgage loans
- 3. The Electronic Federal Tax Payment System (EFTPS)
- How to find AI ETFs
- What are American’s routing rules?
- Special limits
- How credit card rewards look in other countries
- How much life insurance should I buy?
- Most dramatic impact: Austin, Las Vegas and Tampa
- 3. SATS Premier Lounge
- Find discounts on shows
- Why is home equity important?
- How compound interest works
- Should you allow dual agency?
- What is Georgia's standard deduction?
- Embarkation
- Holding crypto on PayPal
- Discounts
- Who should avoid Frontier Airlines?
- Tips to find cheap flights any day of the week
- Standard deduction for those 65 or older
- 401(k) loan alternatives
- Do spot Bitcoin ETFs have custodianship risk?
- What is your modified adjusted gross income (MAGI)?
- How to change or cancel an EIN
- VA funding fee vs. mortgage insurance
- Step 3: Compare health plan networks
- Advantages of modular homes
- How quickly could the IRS implement the child tax credit expansion?
- 2. Certificates of deposit
- 3. Get disability and life insurance
- Why would my bank raise CD rates but not mine?
- Operating income vs. revenue
- What you can do to help minority banks
- Alternatives to savings accounts
- Why you may not be getting a response after an interview
- 5. ExtendPay makes it easier to pay off large purchases
- Best for emergency medical coverage: Allianz Global Assistance
- Minimum wage increases
- If you haven’t received your passport
- What to look for when interviewing wealth advisors
- Read the fine print
- Regional and state-based second chance checking accounts
- How many will benefit?
- Quick start guide: How to invest in index funds
- Do I have to pay New York state income tax?
- Cashier’s check vs. certified check vs. money order
- How much hazard insurance do you need?
- Advantages of buying a car in person
- Cheapest car insurance companies after a speeding ticket in California
- Credit union personal loan rates
- 9. A boat
- Disadvantages of HSAs
- 5. Opt for economy cars
- How much does it cost to invest in the S&P 500?
- When did all of the tech layoffs start?
- Citi Custom Cash® Card
- You’ve got money left over for savings
- Average cost of whole life insurance by age
- How to build your credit before car shopping
- Big banks, small rates
- What about Frontier Airlines first class?
- 6. Be upfront about your budget preferences
- Making it memorable
- How the 9 states with no income tax stack up
- Can I book a room using hotel points in Puerto Rico?
- Homeowners insurance deductible
- How did we determine the value of United miles?
- How to get American Airlines Main Cabin Extra Seats for free
- Consider income-driven repayment instead
- Pros and cons of joint life insurance
- Bathrooms — with showers
- Brokerage accounts are taxable accounts
- 7. Buy a local SIM card to avoid high roaming costs
- Which Form 1040 schedules should I use?
- 6. Inspect and test-drive the car, if applicable
- Universal life insurance
- Medically necessary home improvements
- More reading about ETFs
- Be prepared for your CD’s maturity
- Reverse stock split examples
- Manufactured home loans
- Other Roth IRA rules
- Are there other ways to get tax records?
- How quickly do P2P payments post to the recipient's account?
- If you’re wondering where Southwest can take you …
- The bottom line on OpenAI
- Restrictions and waiting periods
- Step 4: Gather loan documents
- Why some cars cost more to insure
- How to avoid overdraft fees
- What to look for in a balance transfer card
- 6. Genie+ can sell out
- Consult your payment processor
- Disadvantages of modular homes
- 12. Get a personal loan
- Next Steps:
- How much can you borrow with a home equity loan?
- 6. High-yield checking accounts
- More about the tax pros
- What is stock market volatility?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Rather than upgrade, consider applying for a new card
- 2. Miracle First Class Lounge
- Do free and cheap things
- Purchase upgraded airfare with priority lane access
- What is the median household income in the U.S.?
- Home equity takes time to build
- How are cryptocurrencies created?
- 2023 state income tax rates and brackets
- On-time performance
- Our pick for groceries: Blue Cash Preferred® Card from American Express
- 4. Varo: Best for existing bank customers
- How to reduce or avoid the federal estate tax
- Even loyal Southwest flyers could come out on top with the Chase Sapphire Preferred® Card
- 10. Schools and universities
- Claiming tax-deductible donations on your tax return
- How to use Marriott points for free flights
- EveryDollar, for simple zero-based budgeting
- Gift tax limit 2024
- The wedding invitations (average cost: $215)
- The bottom line on beta
- Should you tip?
- 6. The Cosmopolitan of Las Vegas, Autograph Collection (Marriott Bonvoy, Luxury)
- Making the call
- What part of my income gets taxed by California?
- High fee: The Platinum Card® from American Express
- Do I have to update my W-4 every year?
- Requirements: Who qualifies for the child tax credit?
- Compare Cards
- Renters insurance deductible
- HELOC requirements
- What's next?
- How to find high CD rates
- How to fast track to Globalist status
- Travel and shopping protections
- Mining and environmental impact of each
- Available Medicare Advantage plans
- Do I have to pay alternative minimum tax?
- Country Financial
- How else can you use Wyndham points? Let us count the ways
- How do you buy Vanguard Index fund shares?
- Things to consider
- 5. Failure to report Bitcoin can be costly
- Maximum and average DTI ratios by mortgage type
- Marriott Bonvoy's exclusive transfer partners
- Selling crypto on PayPal
- Consumer complaints
- If you’re considering flying Frontier Airlines
- Final thoughts on SkyTeam benefits and drawbacks
- Best for extra benefits: Anthem Medicare Supplement Insurance
- What apps let you buy now, pay later?
- The cons
- 5. The credit protection program is optional
- Getting a refund for your funding fee
- Using miles to fly first class
- How your car loan can help you build better credit
- How to get Frontier seat assignments for free
- Construction loans for modular homes
- Make money on Amazon without selling stuff
- The bottom line
- The drawbacks of owning multiple brokerage accounts
- Other ways to get free in-flight Wi-Fi
- June
- Types of gas
- Days in the cycle
- What is the difference between a financial advisor and a wealth advisor?
- Is APY variable?
- Tips to lower your personal loan rate
- What's the tax filing deadline for my Georgia state income tax bill?
- How to make money as a Twitch Partner
- You don’t need to have $10,000 to take advantage of compound interest
- Contributing too much to a Roth
- 11. Theaters
- What do the approvals mean for Bitcoin?
- What do P2P payments cost?
- Alternatives to term and whole life insurance
- State Farm member complaints
- How much does it cost to open a liquor store?
- 3. Bonds
- The bottom line
- 13. Rent out a room
- Do you need a passport to visit Puerto Rico?
- Conditions
- Repayment options for federal and private loans in default
- Best life insurance company for consumer experience: Northwestern Mutual
- Is joining the Hertz Gold Plus Rewards loyalty program worth it?
- Life insurance
- 1. Oman Air First & Business Class Lounge
- How to minimize the tax impact of a bonus
- Is Turkish Airlines good?
- What’s standing in the way?
- What is New York state's standard deduction?
- Where does an IRS audit take place?
- Should you pay your mortgage with a credit card?
- Types of fixed-income investments
- How can I avoid cashier's check fraud?
- If you inherit or bequeath something, watch out for capital gains tax
- Next steps
- 6. Stick to one driver
- How the lifetime gift tax exclusion works
- VA funding fee isn't the only closing cost
- Pumpkin pet insurance rates
- Bottom line
- LLC self-employment taxes
- Disney FastPass recapped
- Which card should you get?
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- Electronics
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- If this is giving you a headache ...
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- 8. Join solo female traveler Facebook groups
- How to track your passport status, recapped
- How to get a better experience from your home warranty
- Why are there so many kinds of cryptocurrency?
- Tips for calculating how much life insurance you need
- 7. Determine which warranties are right for you
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- I bonds and taxes
- How much does hazard insurance cost?
- Transferring crypto into your PayPal address
- Consumer experience
- How to get a loan from a credit union
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- The bottom line
- Glossary of overdraft terms
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- Buy non-owner car insurance
- How do you invest in the stock market?
- How to safely cancel a credit card
- How to avoid dual agency
- The ship
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- Standard deduction for dependents
- Who benefits from the cash stuffing envelope system
- What to do with the Bitcoin you buy
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- Other debt payoff options
- How to save on car insurance
- Additional child tax credit
- Benefits of refinancing
- Third-party ratings
- How to get into the Emirates Lounge at SFO
- Where to find the best savings accounts
- The best of the rest
- Brokerage accounts vs. IRA
- The bottom line
- Pros and cons of investing in semiconductor stocks
- Should you file a claim for plumbing problems?
- Biden has already forgiven some debt
- What's next?
- Variable life insurance
- How to switch plans and keep your number
- Recap: How to get a cashier's check
- Marriott Bonvoy transfer partners to avoid
- Interest-based passive income ideas
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- What is the average and median retirement savings?
- Step 4: Compare out-of-pocket costs
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- Cost of life insurance without a medical exam
- 14. Moonlight as a dog sitter
- Other types of insurance deductibles
- 4. Debit card
- Upgrade Cash Rewards Visa®
- February 2024 Flying Blue Promo Rewards recapped
- Disability insurance
- July
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- The bottom line
- What are the best Vanguard index funds?
- Is a wealth advisor worth it?
- Alternatives to home warranties
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- Am I a resident for New York state income tax purposes?
- Get tax help for complex issues
- 5. Dave: Best for repayment flexibility
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- 7. Use your own insurance
- Charitable deductions 2023
- How do I get my business credit score?
- Step 5: Submit your application and get funded
- State Farm’s spending on care
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- 7. Look for group discounts
- Additional considerations
- Are home equity loans a good idea?
- How much can you borrow with a HELOC?
- Alternatives to joint life insurance
- Is an iBuyer worth the trade-offs?
- Finally, enjoy your travels
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- How to track your Georgia state tax refund
- What are the disadvantages of sole proprietorship?
- U.S. Bank Cash+® Visa Signature® Card
- Travel rewards cards
- Fear of store closures in small towns, despite assurances
- Transferring crypto from your PayPal wallet
- Best for nationwide availability: Blue Cross Blue Shield Medicare Supplement Insurance
- The wedding dress and accessories (average cost: $1,907)
- Capital One Venture Rewards Credit Card
- U.S. Bank Cash+® Visa Signature® Card
- Other ways to earn cash online
- 15. Become a rideshare or delivery driver
- The bottom line about visiting Puerto Rico
- Next Steps
- The bottom line
- Why are California gas prices so high?
- 2024 state income tax rates and brackets
- 8. Negotiate the best price
- Is an SBA loan right for me?
- How to get a hazard insurance policy
- Manufactured homes: Pros and cons
- Credit union vs. online lender
- When can't you take the standard deduction?
- 2023-2024 lifetime gift tax exemption
- So, is flying first class worth it?
- Discounts
- Credit cards that earn Chase Ultimate Rewards®
- Why investing is important
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- Apple Card
- Best life insurance company for coverage amounts: New York Life
- The Hanover
- What borrowers can do while they wait
- Investor-friendly
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- The bottom line
- If you want to use a credit card for United lounges
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- Empower Personal Dashboard, for tracking wealth and spending
- How much money can you make on YouTube?
- If you’re shopping for your first points and miles credit card
- What is a no-credit-check loan?
- The bottom line
- 16. Cut your insurance premiums
- Other types of 1040 tax forms
- How to prevent plumbing problems
- Are cryptocurrencies financial securities, like stocks?
- Our pick for transit: Bank of America® Customized Cash Rewards credit card
- Home shopping tips
- 8. Forgo the extras
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- What do the approvals mean for other crypto investments?
- Consumer experience
- How to claim the child tax credit in 2024
- Should you invest in AI stocks?
- Keep an eye on CD rates
- VA refinance fees
- SCAN Health Plan Medicare Advantage service area
- August
- How to buy semiconductor stocks
- 2024 Georgia state income tax changes
- The cost of veterinary care
- Alternatives to buy now, pay later
- Deciding whether to buy an EV
- LLC tax forms and deadlines
- How can I access these lounges?
- The bottom line
- Is Main Cabin Extra worth it on American Airlines?
- Bottom line: Is Spirit Airlines a good airline and should you fly them?
- Are I bonds low risk?
- 6. MoneyLion: Best for existing customers
- Other insurance companies to consider
- Bottom line
- Important considerations when opening a Roth IRA
- How much is my 2023 standard deduction?
- If you’re considering Emerald Club
- The bottom line
- Additional benefits
- Average cost of life insurance by term length
- Ways kid creators can earn online
- Is paying for seats worth it on Frontier Airlines?
- Buy rental car insurance
- Next steps
- Compare top-rated life insurance companies
- Other ways to save
- Discover it® Secured Credit Card
- About SCAN Health Plan
- What you can learn from the average 401(k) balance
- 9. Maximize trade-in value, if applicable
- Burial insurance
- PayPal cryptocurrency alerts
- Medigap plan types
- What is credit card consolidation?
- The difference between interest rate and APY
- 17. Consolidate your debt
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- More about the card
- What does pet insurance not cover?
- 3 things to know about Georgia state tax
- DTI isn't a full measure of affordability
- 9. Price out prepaid gas
- How much is the gift tax rate?
- After deciding
- Never done it before? Here's what to consider
- Is getting a HELOC a good idea?
- SCAN Health Plan customer service
- Does the president control gas prices?
- Options trading examples
- Does PayPal offer tax forms?
- Next steps
- Are there drawbacks to investing in the S&P 500?
- Earn an audience, and earn more in the long run
- State Farm Medicare Supplement Insurance service area
- When to expect your child tax credit refund
- 5. Credit card
- Best life insurance company for permanent life insurance: Pacific Life
- September
- If you want to leverage Marriott’s transfer partners ...
- How to book an American Airlines Flagship business class ticket
- Should you buy I bonds?
- How to pool Marriott points with other members
- Is consolidating credit card debt a good idea?
- 18. Refinance your student loans
- Final thoughts on Hyatt club access
- If you're ready to start a budget
- Best for those who pack expensive equipment: Travel Insured International
- Pros and cons of cryptocurrency
- 10. Make the purchase
- Enjoying Emirates first class
- 10. Walk or ride
- U.S. Bank Cash+® Visa Signature® Card
- Pumpkin vs. competitors
- LLC tax tips for business owners
- The bottom line
- Find the best life insurance policy for you
- Nationwide
- 7. SoLo Funds: Best for peer-to-peer cash advances
- What protections does PayPal offer?
- 2023 vs. 2024 standard deduction
- Flowers and decor (average cost: $2,639)
- Types of FIRE
- Step 5: Compare benefits
- W-4 calculator
- 19. Change your cell phone plan
- Is the Emirates Lounge SFO worth it?
- How does the Israel-Hamas war affect gas prices?
- Alternatives to pet insurance
- If your DTI is high
- How to avoid gift tax
- Other ways to make money
- Choose between a general or co-branded travel card
- California state tax credits
- State Farm Medigap customer service
- Consequences of a child tax credit error
- 4. Money market funds
- Other types of mortgage loans
- Speak with an agent
- Mission Lane Visa® Credit Card
- Small-business incubator programs
- Taxes on bonuses: The bottom line
- Final thoughts on American Airlines flagship business class
- PocketGuard, for a simplified budgeting snapshot
- How the FDIC calculates national rates
- FHA vs. conventional loans: Summary
- Tips for making money as a kid
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- October
- Apparel and shoes
- Other types of life insurance
- Fixed-income taxes
- Store credit cards
- When to claim the standard deduction
- Using Marriott points recapped
- Cheapest for 30-year-old drivers
- Understanding life insurance quotes
- Our pick for utilities: U.S. Bank Cash+® Visa Signature® Card
- 3 best cold wallets
- What else to know about Form W-4
- Is it better to get a home equity loan or line of credit?
- Best life insurance company for customer satisfaction: State Farm
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Why trade options?
- How to buy I bonds
- What if you're not eligible?
- Compare alternatives
- Bank of America® Customized Cash Rewards credit card
- State child tax credits
- The bottom line on investing for beginners
- How to invest in fixed-income securities
- 8. Klover: Best for no-fee advances
- Things to consider about loans with no credit check
- The final word
- Blue Cash Preferred® Card from American Express
- 5. Mutual funds
- 6. Same-day wire transfer
- November
- Cryptocurrency legal and tax issues
- NYC income tax rates
- Traveler-friendly
- Different types of life insurance by underwriting
- About State Farm
- What is the $500 credit for other dependents (ODC)?
- What to do if you can’t keep up with your HELOC payments
- Prosper® Card
- Pet insurance coverage by company
- Alternatives to startup business grants
- Best for adventurous travelers: World Nomads
- State Farm
- OK, what's next?
- Frequently asked questions
- What are tax deductions?
- Bank of America® Premium Rewards® credit card
- Best stocks for beginners
- More resources
- So, is pet insurance worth it?
- Child tax credit vs. child and dependent care credit
- Additional resources for veteran entrepreneurs
- Chase Sapphire Reserve vs. AmEx Platinum: Minor features to consider
- What are the Roth IRA rules?
- Limitations of FIRE
- Summary: How to choose health insurance
- Waiting periods
- Next Steps
- Home purchasing tips
- 6. Index funds
- Best life insurance company for older applicants: AARP
- Your decision: Is cryptocurrency a good investment?
- Teen-friendly
- Pros and cons of loan apps
- Honeydue, for budgeting with a partner
- December
- How to shop for no-credit-check loans
- The bottom line
- Food and drink (average cost: $8,176)
- The bottom line on investing in stocks
- Do I need additional travel insurance?
- Capital One QuicksilverOne Cash Rewards Credit Card
- Our pick for entertainment: Capital One SavorOne Cash Rewards Credit Card
- Next steps
- How to track your California state refund
- 7. Check, money order or cashier’s check
- Coverage limits and deductibles
- Travelers
- 6 things to know about New York state income tax
- The bottom line
- Prime Visa
- What are tax write-offs?
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- Best for medical coverage: Travelex Insurance Services
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- California state sales tax
- How to find the best term life insurance company
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- Budgeting resources from NerdWallet
- Additional resources
- How to make money from home
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- Migrant-friendly
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- 7. Exchange-traded funds
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- Cards with travel insurance, recapped
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- USAA
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- Cheapest car insurance by state
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- 8. Cash
- Our pick for big-spending optimizers: U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- How to choose the best life insurance company
- Methodology to identify the best budget apps
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- Are apps like DailyPay and Payactiv cash advance apps?
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- 8. Stocks
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- Best if you have travel credit card coverage: Seven Corners
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- Emerging
- Target REDcard™ Credit Card
- Guests and the rest
- More about term life insurance
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- How we chose the best home and auto insurance bundles
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- 9. Mobile via IRS2Go
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- More about top-rated life insurance companies
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- Best for long-term travelers: IMG
- Methodology
- 9. Alternative investments
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- 10. IRS payment plan or installment agreement
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- 10. Cryptocurrency
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- 11. Real estate
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- Best for booking travel with points and miles: TravelSafe
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- Best Buy credit cards
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- Off the ship
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- How we ranked the best homeowners insurance companies
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- Cheapest for 70-year-old drivers
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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.