Best Things to Buy Every Month in 2024
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A new year is a good opportunity to take charge of your personal budget and develop a strategy for buying the things you want.
Create a list of the big buys you plan to make this year and use our guide to time each purchase right, so you can save money.
- What is a home equity line of credit?
- What is a mortgage refinance?
- Ready to get started? Here's what to do next
- See CD rates by term and type
- What is a charitable donation?
- About Roth IRAs
- Still deciding on the right carrier? Compare Medigap plans
- What is a budget planner?
- Mortgage rates today: Thursday, April 18, 2024
- Life insurance buying guide
- What is a backdoor Roth IRA?
- What are Treasury notes?
- Checking account vs. savings account
- What is the SEC?
- What is a W-4?
- What's an adjustable-rate mortgage?
- What is a budget?
- What is a REIT?
- What is a put option?
- What is a lady bird deed?
- 6 steps to opening a Roth IRA
- What is the Fed funds rate?
- How the cash surrender value works
- ETFs for beginners
- What is a cheap stock?
- What is a credit freeze?
- Good credit utilization follows the 30% rule
- What are dividend stocks?
- What is a Roth 401(k)?
- What is a spot Bitcoin ETF?
- Best-performing tech ETFs
- Allstate home insurance star rating
- How much emergency fund should I have?
- What is an emergency fund?
- About Safety home insurance
- What is FICA tax?
- About Chubb home insurance
- The best things to do in Fort Walton Beach
- About Amica home insurance
- How can a CPA help you with taxes?
- What is broadband internet?
- Food and drink
- What is a fuel surcharge?
- How to open an IRA
- What is umbrella insurance?
- What are Vanguard index funds?
- How to use a savings goal calculator
- Why are more people defaulting on car loans?
- How to get paid on YouTube
- What is a high-deductible health plan?
- 7 of the best apps to make money
- What are checking and savings accounts used for?
- Why join Marriott Bonvoy?
- Online marketplace and auction sites
- Best Prepaid Debit Cards
- 1. Certificates of deposit (CDs)
- 1. Report lost debit cards ASAP
- How housing got here
- Prioritize essentials
- How much are taxes on lottery winnings?
- How to upgrade your boarding position on a Southwest flight
- Preparing to buy tips
- Why small business owners need life insurance
- What is a savings account?
- 1. Shop at stores with rewards programs
- Can you gift stock?
- Microsoft Office Excel budget templates
- Georgia state income tax rates and tax brackets
- Routes and destinations
- What is cryptocurrency?
- Lost: Your W-2
- Why are rates so low?
- What is OASDI tax?
- The best flight booking sites
- What types of car-buying apps are available?
- Blue Cash Preferred® Card from American Express
- How does refinancing work?
- 40 best startup business ideas
- How much can I contribute to my IRA?
- Best all-inclusive resorts to book with points
- How do CDs work?
- What are Medicare preventive services?
- 1. Sell spare electronics
- How often do credit scores update?
- What is options trading?
- What is the child tax credit?
- 1. Take advantage of an HSA
- The best budget apps
- Frugal food tips
- Create a budget plan that works for you
- Colorado state income tax rates and tax brackets
- January
- 50/30/20 budget calculator
- Getting to the Sapphire Lounge LaGuardia
- What is included in a cruise?
- What is a growth stock?
- What does the SEC do?
- Average car loan interest rates by credit score
- FICA tax rate 2023-2024
- Do you have to tip an Uber driver?
- What is a virtual assistant?
- What is a credit card loan?
- Best-performing REIT stocks: April 2024
- Why is having a low credit utilization important?
- The best car insurance
- Is the stock market crashing?
- 1. Rewards rates are generous
- Minimum wage over time
- What to expect flying first class with Singapore Airlines
- Understand taxes and fees, plus the unofficial award chart
- 10 Common IRS tax forms and schedules
- Best visitor insurance for parents visiting USA
- Defining some health insurance terms
- Best fleet fuel cards
- Who sets the Federal funds rate?
- Does your life insurance have cash value?
- Credited vs. processed: What’s the difference?
- How to compare FHA vs. conventional loans
- 1. Clean up your credit
- Are charitable donations tax-deductible?
- What is lifestyle creep?
- 1. Paying more for the same coverage
- How to budget money
- Key takeaways
- Daily mortgage rates chart
- Roth 401(k) vs. traditional 401(k): Where they differ
- How do credit union loans work?
- How to find your way around an airport
- What are estimated tax payments?
- Types of personal finance software and apps
- 1. There are two Bloomingdale’s credit cards
- What is buy now, pay later?
- Our picks for the best life insurance companies in April 2024
- Step 1: Write a business plan
- International roaming plans: postpaid
- Buy down the interest rate: Is it worth it?
- 1. Rewards are healthy
- 1. Create a Shopify store
- What is Medicare Supplement Plan F?
- What is a state income tax?
- Average savings account rate: 0.46%
- 8 steps to open a car detailing business
- 1. Traditional IRA
- Easy bonus points
- Booking the trip
- How does a lady bird deed work?
- What to consider when choosing funds
- What is the 10-year Treasury?
- Key takeaways
- 1. How Chase Sapphire Reserve® lounge access works
- 2. Sell your gift cards
- 1. You're way over — or under — the allowed mileage
- Wells Fargo Active Cash® Card
- How to make money online
- Earning rates on the Choice Privileges® Select Mastercard®
- How to freeze your credit with all 3 bureaus
- Roth IRA income limits
- Netflix subscription cost
- Types of VA renovation loans
- Top 11 spot Bitcoin ETFs by fee
- What is a tech ETF?
- The best money-making apps
- Why do I need an emergency fund?
- What is a statement balance?
- If you have private insurance
- 28 ways to save money
- The best burial insurance in April 2024
- 11 best investments right now
- How do expense trackers work?
- How to get to Hawaii vs. the Bahamas
- What is the standard deduction?
- How does Apple Cash work?
- Steps to getting an auto loan with bad credit
- How much of my credit card should I use?
- How to invest in stocks in 6 steps
- What is the current Fed interest rate?
- Fidelity CD rates
- What happened at the MOHELA Senate hearing
- Types of ETFs
- 20 high-dividend stocks
- 5 steps to get preapproved for a home loan
- Why mortgage rates change every day
- What happens if you default on a car loan?
- Compare car insurance rates by age
- What is the 50/30/20 rule?
- What strategies has Yang used to build wealth?
- How to choose a checking account
- Where Allstate stands out
- How much is car insurance?
- What does a virtual assistant do?
- Student loan forgiveness programs
- ARMs vs. fixed-rate mortgages
- Types of life insurance for small businesses
- What’s the purpose of a budget?
- Why you need a savings account
- How to lower your credit utilization
- What is a stock market crash?
- 2. Install a browser extension
- Straightforward earning
- The benefits of gifting stocks
- Ways to avoid seat selection fees
- Unemployment has barely budged
- How does OASDI tax work?
- How we selected the best car-buying apps
- 3. Pawn something
- Cheap car insurance
- How much is the child tax credit worth?
- 2. Make a plan for long-term care
- YNAB, for hands-on zero-based budgeting
- Best-performing cheap stocks
- How to calculate your credit utilization ratio
- Globe Life insurance
- What is Colorado’s standard deduction?
- Compare Roth 401(k) vs. traditional 401(k)
- Key context
- Best affordable homeowners insurance in Texas: State Farm
- 1. Traditional or Roth IRA
- How we ranked the top life insurers
- The best home insurance companies of 2024
- How much should you tip an Uber driver?
- How to fill out a W-4
- Where Chubb stands out
- Lottery tax calculator
- Where are layoffs happening?
- How does a credit card loan work?
- Best-performing REIT mutual funds: April 2024
- How put options work
- Where Amica stands out
- Where can I get IRS tax forms?
- Google Sheets budget templates
- Today’s HELOC rates
- Bank of America® Customized Cash Rewards credit card
- How to find a CPA or tax accountant near you
- How much does internet service cost per month?
- How tax-deductible donations work
- How often do credit reports update?
- How umbrella insurance works
- Frugal shopping tips
- How to open a backdoor Roth IRA
- Why invest in tech ETFs?
- When are estimated taxes due?
- Options if you’re under 21
- How much should I save?
- Step 2: Register your business
- Bluebird by American Express
- Best-performing growth stocks
- 1. Applying won’t affect your credit score
- 2. Cash management accounts
- Where Safety stands out
- How state income tax rates work
- What you need to know about savings accounts
- State minimum wages in 2024
- Lost: Old tax returns
- Wages are still increasing
- You can still make smart money moves
- When to refinance a mortgage
- Tips to ensure your credit card payment processes quickly
- What preventive services are covered by Medicare?
- How the cash surrender value is calculated
- 2. Paying more for less coverage
- Biden's student loan forgiveness 'plan B' would be more targeted
- Information you need to freeze your credit
- How do Vanguard index funds work?
- Personalized versus average interest rates
- Which is best for you?
- Interest rate risk
- What this means
- February
- Best credit union personal loans for 2024
- Layout
- 2. New cardholders receive a two-day discount
- Where Allstate falls short
- How does buy now, pay later work?
- Where to stash your emergency fund
- What is the CFPB?
- What powers does the SEC have?
- Are auto loan interest rates rising?
- How FICA tax works
- Why there aren't enough houses
- 2. It’s light on some fees, heavy on others
- Best-performing REIT ETFs: April 2024
- What to do during a stock market crash
- 2. Redemption options are varied
- Checking and savings features
- 2. Roth IRA
- How to book a first class ticket with Singapore Airlines
- You can spend your points on travel or get cash back
- Why do people invest in cryptocurrencies?
- What is the 10-year treasury yield today?
- Where to find auto sales listings
- 4. Work today for fast cash today
- 2. Your car has excess wear and tear
- How to buy an ETF
- Investing for income: Dividend stocks vs. dividend funds
- Preapproval is not the same as pre-qualification
- High-deductible health plans and HSAs
- How to choose a savings account
- 2. Account frozen? Submit documentation
- Where Chubb falls short
- How does Apple Pay work?
- How do lottery taxes work?
- 2. Set up a dropshipping business
- Is an ARM a good idea?
- Is 0% credit utilization bad?
- 3. Ask for manufacturer coupons
- Where Amica falls short
- The pros and cons of a life insurance trust
- 2. There are Chase Sapphire lounges in Hong Kong, Boston and New York, with more to come
- How Fidelity CDs work
- How to find cheap stocks
- Globe Life insurance policies
- Do I have to pay Colorado state income tax?
- What services could shut down?
- What to look for in a personal finance tool
- Best homeowners insurance companies: Pros and cons
- Where Safety falls short
- Best iOS personal expense tracker apps
- How much do virtual assistants make?
- How the standard deduction works
- Identify your next-level priorities
- Medicare Supplement Plan F pros and cons
- Why is budgeting important?
- Does raising the minimum wage cause inflation?
- Book shorter distance flights in business class
- Do I have to pay Georgia state income tax?
- How does OASDI tax work if I’m self-employed?
- Sam's Club® Mastercard®
- When should I contribute to my IRA?
- 2. Rebalance your debts and income
- How we got here
- What is a Roth IRA account?
- How to check your credit reports
- How to trade options in four steps
- 3. Your car is worth more than its buyout price
- 3. Get the right Medicare plan
- Use a credit utilization calculator
- Learn more
- State availability
- Best life insurance companies: Pros and cons
- How much funding does the CFPB receive?
- What is a current balance?
- For people with Medicare
- How to use average car interest rates
- How much do Uber drivers make per hour?
- Historical national rates
- Savings accounts with strong APYs can help your money grow
- Pros and cons of a lady bird deed
- NerdWallet’s budget planner
- Reliability
- Issuer pre-qualification pages
- Four ways to tap life insurance cash value
- What to do if your credit card payment is delayed
- See CD rates by bank
- 5. Seek community loans and assistance
- Requirements: Who qualifies for the child tax credit?
- Why is lifestyle creep destructive?
- What are the benefits of Gold Elite status?
- Are Vanguard index funds a good investment?
- Use a budget planner
- What programs would continue?
- What is a Bitcoin strategy ETF?
- Estimated tax payments 2024
- How to find growth stocks
- International roaming: prepaid
- Best burial life insurance policies for 2024
- 3. High-yield money market accounts (MMAs)
- 3. Ask your bank for relief
- What is withholding tax?
- Mortgage selection tips
- 3. Monetize your social media presence
- When are state income tax returns due?
- How do REITs work?
- 4. Search a coupon database or app
- You can see your FICO score
- Buying a put option
- Lost: A 1099
- Top car-buying apps
- How to avoid fuel surcharges on award travel
- Which policies have a cash surrender value?
- Top rental increases and decreases in the U.S.
- What does umbrella insurance cover?
- How your credit score affects your rate
- Are Treasury notes a good investment?
- March
- An alternative perspective to FIRE
- Design
- Where do I put my emergency fund?
- What is the case against the CFPB?
- 2. The card’s benefits all have cutesy names
- Will the housing market crash again?
- Apple Cash vs. Apple Pay: What’s the difference?
- 3. You’ll get an anniversary bonus each year
- What Medigap Plan F covers
- How do you start a budget?
- Do all workers earn at least the minimum wage?
- Job openings are slowing compared with peak
- 6. Ask for forbearance on bills
- 4. Ask questions
- Frugal entertainment tips
- How far in advance should I get preapproved for a mortgage?
- Backdoor Roth IRA rules
- Am I a resident for Colorado income tax purposes?
- What else could be disrupted?
- Pros and cons of a high-deductible health plan
- The value of high APYs
- 3. Reward rates are solid, but reward values are meh
- State availability
- What happens if you don’t tip?
- Chubb home insurance coverage
- How to become a virtual assistant
- Other student loan forgiveness programs
- Cost of getting a loan on your credit card
- 3. Get revved up with this welcome bonus
- 5. Visit retailer websites and apps
- 3. SEP IRA
- What not to consider when choosing funds
- OASDI limit 2023
- Price vs. yield
- What happens when the Fed raises interest rates?
- But I don't have enough to max out an IRA!
- How does a Roth IRA work?
- What do Medicare preventive services cost?
- How to claim the child tax credit
- Higher Education Act justifies plan B
- Try a simple budgeting plan
- How to meet your monthly savings goal
- Top 8 Bitcoin strategy ETFs by fee
- Who should make estimated quarterly tax payments?
- Allstate home insurance coverage
- 4. Monitor bank transactions online
- Other payroll tax items you may hear about
- Do I have to pay state tax on lottery winnings?
- Is a Southwest Airlines upgrade worth it?
- 4. Sell print-on-demand products
- Types of adjustable-rate mortgages
- Layoffs spiked among tech companies in 2023
- Average interest checking account rate: 0.08%
- How credit utilization affects your scores
- REITs' average return
- How a savings account works: withdrawal limits
- Best car insurance companies: Our winners
- Ways to get good value
- Amica home insurance coverage
- Fly between regions in close proximity
- Coinsurance vs. copay
- Why is Bitcoin still popular?
- Labor force participation isn’t what it used to be
- How does a life insurance trust work?
- Another option
- 3. How to get into a Chase Sapphire lounge
- What it means for your money
- 7. Request a payroll advance
- Big credit score swings
- 4. Your friend wants to buy your leased car
- When to consider surrendering your policy
- 3. Paying too much for add-ons
- How to unfreeze your credit
- Is per-card or overall utilization more important?
- How much does it cost to buy Vanguard index fund shares?
- When you should lock your mortgage rate
- What’s next?
- Best in Texas for having few consumer complaints: Chubb
- Age is only the beginning
- Serve American Express Prepaid Debit Account
- Safety home insurance coverage
- Standard deduction 2023
- Types of state income tax
- Online check-in
- The Federal Trade Commission’s budget worksheet
- What is my Georgia residency status for state income tax purposes?
- OASDI limit 2024
- 3. Don’t ask for too much cash
- Goodbudget, for hands-on envelope budgeting
- How do streaming services fit into your budget?
- Local sales
- Should you use buy now, pay later?
- Best life insurance company overall: MassMutual
- Step 3: Obtain business licenses, permits, and insurance
- 3. You get more out of the card with a Cred.ai deposit account
- 4. Peer-to-peer lending
- Who reports SEC violations?
- Why do I have to pay FICA tax?
- 1. High-yield savings accounts
- Where to stay for your Bahamas vs. Hawaii vacation
- Now consider everything else
- Student loan cancellation programs
- What’s next?
- 6. Check the Sunday newspaper
- Top credit cards that offer preapproval without a hard pull
- Lost: Your 1098
- What is the annual fee?
- Globe Life customer complaints and satisfaction
- It’s not only about taxes
- What does generational wealth mean to Yang?
- How do I build an emergency fund?
- What happens next?
- Should you buy growth stocks?
- Using the mortgage points calculator
- 5. Know the bank’s timeline
- How much is car insurance in my state?
- 4. Your bags won’t fly free
- 5. Sell handmade goods
- What Medigap Plan F doesn't cover
- 4. Nondeductible IRA
- How do you set up a lady bird deed?
- Copay vs. deductible
- Is the OASDI tax mandatory?
- How does a HELOC work?
- What internet speed do you need?
- More details about Fidelity CDs
- 8. Take a loan from your retirement account
- 5. You like the car and don't want the hassle of car shopping
- Alternatives to surrendering your cash value policy
- Frugal DIY project tips
- How to buy T-Notes:
- April
- Credit cards young adults could apply for
- 2. Solo 401(k)
- What is not included in a cruise?
- Who loses in a housing shortage?
- Getting life insurance as a small business owner
- Types of REITs
- 4. Intro APR period is short
- Quit rates remain high
- Why should I contribute to my IRA?
- Bank of America® Customized Cash Rewards credit card
- Where can you redeem Choice Privileges points?
- Don’t count on this student loan forgiveness yet
- How to invest in dividend stocks
- Today’s rates for specific kinds of mortgages
- Is a high-deductible health plan right for you?
- The Bitcoin ETF price war
- Other tech tools to help you manage your money
- Seating areas on the lower level
- How many banks have collapsed?
- For Medicaid beneficiaries
- How is the SEC structured?
- Standard deduction 2024 (taxes filed 2025)
- Student loan discharge programs
- How much does a Southwest flight upgrade cost?
- 6. Sell digital products and downloads
- Compare pricing between British Airways and Iberia, and transfer if needed
- OpenSky® Secured Visa® Credit Card
- How does the Fed raise interest rates?
- 9. Borrow against life insurance
- Additional child tax credit
- How to prevent lifestyle creep
- What umbrella insurance doesn’t cover
- How Globe Life compares to other insurers
- Alternatives to regular savings accounts
- Should you pay the statement balance or current balance?
- 4. The card is essentially fee- and interest-free
- Should I take a lump sum payment or annuity payments?
- Alternatives to getting a loan on your credit card
- 6. Pick up weekly ads at the store
- What states are increasing minimum wages in 2024?
- How to gift stock
- More ways to take charge of your budget
- Coinsurance vs. deductible
- Why is the 10-year Treasury yield important?
- What else to know when buying Fidelity CDs
- What can you invest in with a Roth IRA?
- Rent vs. inflation
- What to do if you’re struggling
- Get more help with monthly budget planning
- Clothes, vintage and crafts
- Allstate home insurance rates
- 5. Online savings accounts
- 6. Rebounding from bank account fraud
- W-4 form 2024
- Discounts
- The caveats
- 5. Other cards that offer 'backdoor' Flying Blue miles could be better
- How much to keep in your savings account
- Customer experience
- 5. Spousal IRA
- Fees
- Types of life insurance trusts
- 4. What is the most affordable way to get access to Sapphire Lounges from Chase?
- 4. Consider a co-signer
- 10. Use a credit card cash advance
- How does credit utilization affect my credit score?
- Next steps:
- Do spot Bitcoin ETFs have custodianship risk?
- 4. Expiration dates apply
- Step 4: Set up EIN, bank account, and credit card
- 7. Sell thrifted or vintage goods
- Medigap Plan F alternatives
- 8. Look at the product packaging
- Lost: Enough time to do your taxes because you were hunting for lost documents
- Unionization is growing
- More about Globe Life
- Is a backdoor Roth IRA worth it?
- May
- How to calculate quarterly estimated taxes
- Best homeowners insurance in Texas for consumer experience: Nationwide
- Best life insurance company for applicants with HIV: Guardian
- ONE VIP Visa Prepaid Card
- 5. It’s made of metal
- How ARM rates are set
- Media layoffs soared as companies struggle to profit
- 5. It charges foreign transaction fees
- The bottom line
- Alternatives to a lady bird deed
- How it all works together
- How does cryptocurrency work?
- Is OASDI tax the same thing as Social Security tax?
- What are fleet cards?
- What is the Federal Reserve Board?
- How different airlines handle fuel surcharges
- 11. Look for a payday alternative loan
- Frugal home expenses tips
- How to join Marriott Bonvoy
- Safety home insurance rates
- Who gains from a housing shortage?
- Standard deduction for those 65 or older
- Can you get cash back with Apple Pay?
- Alternatives to a Southwest flight upgrade
- 8. Help other business owners set up online stores
- Average certificate of deposit rate: 1.81% for one-year CDs
- Buying a put option vs. short selling
- Embarkation
- What is Georgia's standard deduction?
- Are 10-year Treasury notes a good investment?
- Are Roth IRAs insured?
- When to expect your child tax credit refund
- Who needs umbrella insurance?
- How to freeze your child’s credit
- Doing the math on HDHPs
- Credit union personal loan rates
- Premium checking accounts
- Photo booth and arcade
- 5. Watch out for the interest rate
- Growth stocks vs. dividend stocks
- 2. Certificates of deposit
- How to find the 2024 W-4
- Consumer complaints
- Where to find virtual assistant jobs
- How do I deal with lottery taxes?
- Alternatives to savings accounts
- 9. Browse store aisles
- Minimum wage increases
- 6. SIMPLE IRA
- Can I get my Social Security tax back if I’ve overpaid it?
- Strategies for keeping your credit utilization low
- Discounts
- Comparing lenders to get a bad credit auto loan
- If you fly first class on Singapore Airlines
- Consumer complaints
- How do fleet cards work?
- 5. Other cards with airport lounge access
- Brokered CDs have risks and rewards
- 12. Get a personal loan
- What do the approvals mean for Bitcoin?
- Why did First Republic Bank fail?
- 6. High-yield checking accounts
- The best time to visit Hawaii vs. the Bahamas
- Consumer experience
- How to send (and receive) money with Apple Pay and Apple Cash
- Buy Medicare Supplement Plan F during Medigap open enrollment
- 2023 state income tax rates and brackets
- What is the median household income in the U.S.?
- The catch: Your health plan's network
- How are cryptocurrencies created?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- HELOC requirements
- How much does it cost to refinance a mortgage?
- 5. Use collateral to secure the loan
- Claiming tax-deductible donations on your tax return
- How else can you earn Choice Privileges points?
- EveryDollar, for simple zero-based budgeting
- How do you buy Vanguard Index fund shares?
- Full list of the best home insurance companies in Texas
- If you’re considering Marriott Bonvoy
- What apps let you buy now, pay later?
- How much is car insurance by company?
- 9. Develop a Shopify app or theme
- 10. Check your receipts
- Don’t pay for advance seat selection
- How do you buy 10-year Treasury notes?
- Roth IRA eligibility rules
- 2024 child tax credit news update
- It’s more expensive to rent than ever before
- How much umbrella insurance do you need?
- June
- What’s next?
- Children’s playroom
- For the uninsured
- Do I have to update my W-4 every year?
- What credit cards include Southwest upgrades?
- Consumer experience
- What's the tax filing deadline for my Georgia state income tax bill?
- Women still haven’t quite come back
- 13. Rent out a room
- When should you freeze your credit?
- Best life insurance company for consumer experience: Northwestern Mutual
- Discounts
- 3. Bonds
- What can be done?
- 7. Self-directed IRA
- How to get a home equity line of credit
- How to get a loan from a credit union
- 3. SEP IRA
- Electronics
- Consumer complaints
- Best Android personal expense tracker apps
- 10. Become a Shopify Affiliate
- Alternatives to paying more for a bad-credit auto loan
- 11. Use social media
- Why are there so many kinds of cryptocurrency?
- Do you pay tax on T-notes?
- Book cheap all-inclusive stays with travel rewards
- Home renovation loan alternatives
- How to pay estimated taxes
- How much does homeowners insurance cost in Texas?
- Are interest rates fixed on savings and checking accounts?
- Nursing room
- Why did Silicon Valley Bank fail?
- Step 5: Purchase or upgrade your equipment
- FamZoo Prepaid Card
- The bottom line
- Standard deduction for dependents
- The ship
- Basic economy
- How to find the best refinance rates
- 6. Find the right lender
- Benefits of an IRA
- How did rent get so expensive?
- Is the Choice Privileges® Select Mastercard® worth it?
- Colorado tax credits
- Consumer complaints
- How to adjust your Form W-4
- Apple Cash and Apple Pay details at a glance
- Tips for making money on Shopify
- Mass layoffs across the labor market aren’t likely in 2024
- Where to find the best savings accounts
- Next Steps
- 14. Moonlight as a dog sitter
- Cons of a credit freeze
- What are the best Vanguard index funds?
- Are these the best dividend stocks?
- July
- What do the approvals mean for other crypto investments?
- Consumer experience
- Other home insurance companies to consider
- More ARM terms to know
- Average money market account rate: 0.66%
- Upgrade Cash Rewards Visa®
- Layoffs are concentrated, but more will come
- Which type of life insurance should I put in a trust?
- How much can you borrow with a HELOC?
- Charitable contributions 2023
- U.S. Bank Cash+® Visa Signature® Card
- Could I lose my money in a checking or savings account if the bank fails?
- The Reserve Suites
- Apple Cash and Apple Pay vs. PayPal and Venmo
- Amica vs. competitors
- Doing the math on copays, coinsurance and deductibles
- How to track your Georgia state tax refund
- Fleet fuel cards: benefits and drawbacks
- What’s a spousal Roth IRA?
- 15. Become a rideshare or delivery driver
- How much does umbrella insurance cost?
- Credit union vs. online lender
- Consumer experience
- When can't you take the standard deduction?
- 2024 state income tax rates and brackets
- Frequently asked questions about estimated tax payments
- Average cost of homeowners insurance in Texas by city
- Best life insurance company for coverage amounts: New York Life
- You can refinance an ARM
- Refinancing a mortgage, step by step
- 16. Cut your insurance premiums
- Consequences of a child tax credit error
- How to get umbrella insurance
- Empower Personal Dashboard, for tracking wealth and spending
- Credit freeze or credit lock?
- How much money can you make on YouTube?
- Colorado inheritance and estate tax
- Should I have my checking and savings accounts at the same bank?
- The Bahamas vs. Hawaii honeymoon destination
- A Southwest flight upgrade will get you on board faster
- Home shopping tips
- Are cryptocurrencies financial securities, like stocks?
- August
- Why did Signature Bank fail?
- Alternatives to buy now, pay later
- How much is auto insurance based on your driving record?
- Stock market crashes in history
- 2024 Georgia state income tax changes
- Colorado sales tax
- Allstate vs. competitors
- Greenlight Prepaid Mastercard
- How much is my 2023 standard deduction?
- Pros of investing in REIT stocks
- Roth IRA vs. traditional IRA: What's the difference?
- Who can access your frozen credit reports?
- The cheapest home insurance in Texas
- What can cruise elite status get you?
- Important considerations when opening a Roth IRA
- Loyalty program
- Discover it® Secured Credit Card
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- 17. Consolidate your debt
- State child tax credits
- Bottom line: Is umbrella insurance worth it?
- The bottom line
- Hawaii vs. the Bahamas: Which is the better choice?
- The difference between interest rate and APY
- 3 things to know about Georgia state tax
- Is getting a HELOC a good idea?
- Fuel card vs. business gas credit card
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- Next steps
- Step 6: Price your services
- Cons of investing in REIT stocks
- Selling a put option
- Upcoming Sapphire Reserve lounges, recapped
- Earn an audience, and earn more in the long run
- September
- 4. SIMPLE IRA
- What’s happening with Silvergate Capital Corp.?
- Best life insurance company for permanent life insurance: Pacific Life
- All-inclusive cruises aren’t the whole story
- 18. Refinance your student loans
- What is the $500 credit for other dependents (ODC)?
- Other home insurance companies to consider
- If you're ready to start a budget
- The bottom line
- Pros and cons of cryptocurrency
- Final thoughts on fuel surcharges
- Who is most likely to rent?
- What to know about Texas homeowners insurance
- What happened to Credit Suisse?
- 2023 vs. 2024 standard deduction
- Investing in REITs: How to get started
- The bottom line on how to prepare for a stock market crash
- How to open a Roth IRA in 4 steps
- 19. Change your cell phone plan
- Child tax credit vs. child and dependent care credit
- What is a tax consultant?
- Other ways to make money
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- Walmart MoneyCard
- 4. Money market funds
- W-4 calculator
- Mission Lane Visa® Credit Card
- Apparel and shoes
- FHA vs. conventional loans: Summary
- Avoid risky loans
- PocketGuard, for a simplified budgeting snapshot
- October
- When to claim the standard deduction
- How the FDIC calculates national rates
- Does your business need a fleet fuel card?
- Should I use a CPA or tax accountant?
- Is it better to get a home equity loan or line of credit?
- Why trade options?
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Are other banks are in trouble?
- Best life insurance company for customer satisfaction: State Farm
- Where is Fort Walton Beach, Florida?
- Rent vs. income
- The bottom line
- What else to know about Form W-4
- November
- Bathrooms
- Should I take my money out of the bank?
- Alternatives to the best burial insurance
- 5. Mutual funds
- How to get to Fort Walton Beach, Florida
- Cryptocurrency legal and tax issues
- What to do if you can’t keep up with your HELOC payments
- OK, what's next?
- Call vs. put options
- Prosper® Card
- Final thoughts on the best flight booking site
- More resources
- Best stocks for beginners
- 5. Defined benefit plan
- Food
- Step 7: Market your business and find clients
- More about top-rated life insurance companies
- Are we in a recession?
- Home purchasing tips
- Where to stay in Fort Walton Beach
- Best life insurance company for older applicants: AARP
- Low-fee alternatives to prepaid cards
- 6. Index funds
- Visitors insurance for parents recapped
- Your decision: Is cryptocurrency a good investment?
- Honeydue, for budgeting with a partner
- December
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- The bottom line on investing in stocks
- Capital One QuicksilverOne Cash Rewards Credit Card
- Are we headed for a depression?
- Advantages of put options
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- Prime Visa
- Texas Department of Insurance
- Best term life insurance companies of April 2024
- Things to do in Fort Walton Beach recapped
- Looking for more insurance in Texas?
- Where to open a retirement plan if you’re self-employed
- Best whole life insurance companies of April 2024
- Prepaid-like options from fintechs: Apple Cash and Cash App
- Beauty and personal care
- What if you're not eligible?
- How to make money from home
- Budgeting resources from NerdWallet
- How much is auto insurance for good and poor credit?
- Capital One Platinum Credit Card
- Step 8: Sell your photography online
- 7. Exchange-traded funds
- Best no medical exam life insurance companies of April 2024
- How to get cheap car insurance
- How to choose the best life insurance company
- Methodology to identify the best budget apps
- Other home insurance companies to consider
- The bottom line
- What are the Roth IRA withdrawal rules?
- How to get into the Chase Sapphire Lounge LGA
- 8. Stocks
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- Risks of getting cheap auto insurance
- Best prepaid debit cards: Summary of fees and ATMs
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- Business class
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- How much is auto insurance based on age?
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- More about top-rated life insurance companies
- How to make money offline
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- JetBlue vs. Delta recapped
- 9. Alternative investments
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- Entertainment
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- 10. Cryptocurrency
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- Apple Card
- Get your free birthday stuff and deals
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- How to compare car insurance rates
- How much is auto insurance based on gender?
- 11. Real estate
- Best car insurance companies by state
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- How to choose the best investments in 2024
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- Best Buy credit cards
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- Off the ship
- Why you can trust NerdWallet
- Xbox Mastercard
- Disembarkation
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- How to compare homeowners insurance
- Watch out for making money scams
- Overall observations
- Find the best homeowners insurance in your state
- How we ranked the best homeowners insurance companies
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.