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 backdoor Roth IRA?
- About Roth IRAs
- See CD rates by term and type
- » Masterpass is no longer offered
- Coinbase is best for:
- What is a W-4?
- Life insurance buying guide
- Current promotional CD rates
- What is a budget planner?
- Definitions: Money Transfer Rates
- Dividend definition
- What is the average stock market return?
- 6 steps to opening a Roth IRA
- Medicare Part D companies
- The parts of Medicare
- Still deciding on the right carrier? Compare Medicare Part D Plans
- Key takeaways:
- » This offer has expired
- October mortgage rates forecast
- How do electric vs. gas cars function?
- What are dividend stocks?
- Bond ETF definition
- About Erie renters insurance
- What is an index fund?
- 1. Don’t apply for too many cards at once
- What is credit mix?
- What is a VA home loan?
- About USAA renters insurance
- What is the average credit score?
- How mobile apps and debit cards for kids work
- What are discretionary expenses?
- How long does it take to clear a check?
- What is a credit freeze?
- Good credit utilization follows the 30% rule
- Sunset views and islands on the horizon
- How to buy stocks in 6 steps
- How to use a savings goal calculator
- Microsoft Office Excel budget templates
- Why would my credit score drop after paying off debt?
- Medical insurance
- Go with a prepaid plan or carrier
- How does Chase Offers work?
- How do CDs work?
- What is neurodiversity?
- What is personal liability insurance?
- 1. Doing nothing
- Do I have to change the name on my passport after marriage?
- Fifth Third Bank business checking is best for small-business owners who:
- What is OASDI tax?
- Mutual funds vs. stocks
- How to unfreeze credit
- What is umbrella insurance?
- What is cryptocurrency?
- United fare classes: The differences
- Best ETFs as of April 2024
- 1. Certificates of deposit (CDs)
- How to calculate interest in a savings account
- The Benefits of Hyatt Globalist status
- 7 best-performing AI stocks
- 7 of the best apps to make money
- Mortgage options
- Cost of selling a house: Most common expenses
- Step 1: Choose your health insurance marketplace
- Which airlines have lie-flat seats in business class
- How much are taxes on lottery winnings?
- When is a payment marked late on credit reports?
- What is an energy ETF?
- 1. Report lost debit cards ASAP
- To cancel or not to cancel?
- Best trips to transfer Chase Ultimate Rewards® points to Aeroplan
- Frugal food tips
- 1. Protect your focus and vision above all else
- Transfer your balance to a 0% APR credit card
- What is a DUNS number?
- What are closing costs?
- Do rent payments affect credit?
- How do CDs work?
- Biggest bond ETFs
- Robinhood is best for:
- Coinbase at a glance
- Declarations
- What is a salvage title?
- What is GoodRx?
- 1. Decide between checked luggage and carry-on
- Light on fees
- When are taxes due in 2024?
- Create a budget plan that works for you
- How to find a small business for sale
- General advice for international money transfers
- When to book an open-jaw itinerary
- Roth IRA contribution limits 2024
- First, some background
- What does homeowners insurance cover?
- The best budget apps
- Defining some health insurance terms
- 50/30/20 budget calculator
- The best car insurance
- Capital One CD rates
- Components of a POS System
- What is the child tax credit?
- Why is having a low credit utilization important?
- What is net worth?
- Why is candy so expensive?
- How to open a coffee shop in 7 steps
- Consider renting if you’re in transition
- Auto insurance
- Step 1: Check your credit
- ‘An expensive gamble’
- Qualifying for an HSA
- January
- High CD rates for now
- How to get Chase Freedom rental car insurance
- Compare all your options
- Chase Pay Over Time
- What is a home equity loan?
- Guide to tipping hotel housekeeping staff
- Late winter and early spring
- What is hazard insurance?
- How do credit union loans work?
- What is a state income tax?
- Pros and cons
- How to compare FHA vs. conventional loans
- 2. Know what’s in your credit reports
- What does roadside assistance cover?
- How does debt consolidation work?
- SBA loan down payment requirements by loan type
- Key takeaways
- Our picks for the best life insurance companies in April 2024
- 1. You missed a payment
- Average savings account rate: 0.46%
- What is adjusted gross income (AGI)?
- Best fleet fuel cards
- What is Medicare Part D?
- Best ways to consolidate credit card debt
- Best day to book a flight
- Specialized skills vs. general knowledge
- What are the types of cybersecurity coverage?
- Interest rate vs. APR
- What are estimated tax payments?
- You're in a cash flow bind
- How to send money online, on mobile or in person
- What is the 10-year Treasury?
- What are Minute Suites?
- Does Florida have a state income tax?
- Roth IRA income limits
- If you have private insurance
- Robinhood at a glance
- How to upgrade your American Express card
- 2. Assuming tax is all you'll owe
- How much does the 2023-24 CSS Profile cost?
- Wells Fargo Active Cash® Card
- How do index funds work?
- While you’re in school
- How does a VA home loan work?
- 1. You'll earn bonus rewards only for Bass and Cabela's
- What is IRS Free File?
- 28 ways to save money
- How do expense trackers work?
- Who's involved
- 11 best investments right now
- What are examples of discretionary expenses?
- The best money-making apps
- How do sinking funds compare with other savings accounts?
- What is a seller's disclosure form?
- Should you refinance Sallie Mae loans?
- How to freeze your credit with all 3 bureaus
- What is a waiver of premium rider?
- Banks that offer joint business accounts
- How do I know there's a late payment on my credit report?
- Best-performing energy ETFs
- 1. Start with your 401(k)
- How much do Instagram influencers make?
- Hang up and 'go to the source'
- Summary of cash advance apps
- How does a home equity loan work?
- At a glance
- Electric vs. gas car costs
- How much are closing costs?
- 529 plan rules
- Do you need insurance to rent a car?
- Where can I find the current Chase offers?
- Understanding your required coverages
- Downsides of financing a vacation with a credit card
- 20 high-dividend stocks
- How to set up Masterpass
- How a home equity sharing agreement works
- Where Erie stands out
- How does OASDI tax work?
- State Farm life insurance
- How important a factor is credit mix for your scores?
- 5 steps to get preapproved for a home loan
- What is the Walmart MoneyCenter?
- The best metal credit cards
- ETF advantages and disadvantages
- On-time percentage
- The average stock market return isn't always average
- The best whole life insurance companies of April 2024
- What is the 50/30/20 rule?
- What else you need to know about the Hyatt Guest of Honor Globalist Benefit
- How to lower your credit utilization
- What is the average American net worth?
- Banking
- Our take
- 5-star luxury vs. beachfront values
- Fewer ads may mean cheaper rates
- What happened to gas prices in March?
- Translating the Fed's words into English
- The best home insurance companies of 2024
- Who needs a DUNS number?
- Cheap car insurance
- Google Sheets budget templates
- New York state income tax rates
- How neurodiversity affects your finances
- AARP® Essential Rewards Mastercard® from Barclays
- How to fill out a W-4
- 3. Apply for cards that fit your credit score
- ETFs vs. stocks: A quick breakdown
- SBA 7(a) loan down payment
- Bank wire transfer
- What are dividend stocks and why buy them?
- How we ranked the top life insurers
- Roth IRA income limits 2024
- How are credit scores changing?
- YNAB, for hands-on zero-based budgeting
- More details about Capital One CDs
- How much is the child tax credit worth?
- Lottery tax calculator
- Go for this cheap Halloween candy in 2023
- How to calculate your credit utilization ratio
- How an HSA works
- Frugal shopping tips
- Will Florida tax my investment gains?
- Why the Chase Sapphire Preferred® Card wins
- How to open a backdoor Roth IRA
- How much can refinancing save?
- Which services will report your rent payments?
- Advantages of bond ETFs versus individual bonds
- So which is better, Robinhood or Coinbase?
- Deductible
- Is hazard insurance the same as homeowners insurance?
- What is a rebuilt title?
- How do I know if I'm eligible for a fee waiver?
- How state income tax rates work
- When to change your name on your passport after marriage
- Why invest in index funds?
- Rewards-earning potential
- CD rate trends 2024: Higher short-term CDs
- How umbrella insurance works
- Transferring Chase points to partners vs. booking through the travel portal
- How we ranked the top life insurers
- 2. Cash management accounts
- Best day to fly
- Renting could help you age more safely and serenely
- APR comparison
- How canceling affects your credit score
- How many Instagram followers do you need to make money?
- When are estimated taxes due?
- 1. Brigit: Best for budgeting tools
- 2. Sell your value, not your time
- Biden's student loan forgiveness 'plan B' would be more targeted
- Holiday weekends
- 3. Assuming you have to ask for an extension
- Best credit union personal loans for 2024
- Pros and cons of home equity sharing agreements
- Who is GoodRx best for?
- Where Erie falls short
- Fifth Third Bank business checking at a glance
- Choosing a roadside assistance plan
- How does debt consolidation affect credit?
- Why do people invest in cryptocurrencies?
- Where USAA stands out
- Who is eligible for Free File?
- What is a mega backdoor Roth?
- General travel credit cards
- Is Medicare Part D free?
- Where we are now: 2024
- Information you need to freeze your credit
- How does it work?
- Am I stuck with Aidvantage until my loans are paid off?
- Step 2: Compare types of health insurance plans
- Why invest in energy ETFs
- Reasons to cancel
- You're in a pricey area
- February
- High CD rates for now
- What is the 10-year treasury yield today?
- Florida corporate income tax
- Other options with no credit check
- How does a home equity loan work?
- Investing for income: Dividend stocks vs. dividend funds
- Is personal liability insurance required for homeowners?
- 2. Pack for multiple climates
- State Farm life insurance policies
- Are paid surveys worth it?
- Preapproval is not the same as pre-qualification
- 2. Your credit card balance is higher than usual
- Fees make it all go
- How to calculate adjusted gross income
- What to consider when opening CDs
- The strategy behind sinking funds
- Why might a check take longer to clear?
- How long do you want to study?
- Average net worth by age
- Airlines that don't have lie-flat seats in business class on wide-body aircraft
- How do lottery taxes work?
- What can I do if I slip up?
- 2. Account frozen? Submit documentation
- Step 2: Pre-qualify and compare offers
- Best homeowners insurance companies: Pros and cons
- Make frequent payments
- How to pay off debt and help your credit score
- Does my car insurance cover rental cars?
- Property and casualty insurance
- What kinds of offers are available?
- How to use Masterpass
- How Fifth Third Bank business checking works
- How does OASDI tax work if I’m self-employed?
- 4. Pay your bills on time
- During a forbearance
- VA home loan eligibility
- 2. Points redemptions aren't a bait and switch
- What are the Walmart MoneyCenter hours?
- How can I build my credit?
- Best iOS personal expense tracker apps
- 5-year, 10-year, 20-year and 30-year S&P 500 returns
- How do discretionary expenses fit into a budget?
- How to monetize your Instagram with fewer followers
- Better customer service
- Secure and monitor your accounts
- Why are gas prices going up?
- High CD rates for now
- 3. Track how you spend time each day
- How to determine your closing costs
- NerdWallet’s budget planner
- What is a Roth IRA account?
- For people with Medicare
- What does hazard insurance cover?
- 4. Assuming you have six extra months to get it together
- Issuer pre-qualification pages
- State availability
- Current CD rates: high-yield and national averages by term
- Stock mutual funds
- What if I didn't make the 2024 tax deadline?
- Best life insurance companies: Pros and cons
- Where USAA falls short
- Flight cancellations
- Historical national rates
- How much does Medicare Part D cost?
- Federal seller's disclosure requirement
- 2. Add a Roth IRA to the mix
- Renting could help you tap more equity
- Why you might want to keep it open
- Use a credit utilization calculator
- See humpbacks breach without leaving your resort
- How to get a DUNS number
- Should I choose a home equity loan or a HELOC?
- What’s covered by Chase Freedom rental car insurance
- How to buy bond ETFs
- What does a CSS Profile fee waiver cover?
- When are state income tax returns due?
- What is an index?
- 5. Watch your credit utilization
- Sign-up bonus: Some or none
- Use a budget planner
- How to book by transferring points to an airline partner
- Dividend vs. growth stocks
- Can I contribute to a Roth IRA if my income is too high?
- Mega backdoor Roth 2024
- 3. High-yield money market accounts (MMAs)
- 3. There’s a mistake in your credit report
- See CD rates by bank
- Requirements: Who qualifies for the child tax credit?
- How much refinancing Sallie Mae loans could save you
- 3. Ask your bank for relief
- Credit cards
- Episode transcript
- How to get your money back
- HSA-eligible expenses
- Estimated tax payments 2024
- If the debt limit’s not raised in time, all bets are off
- You can't live there safely anymore
- What’s the Florida state sales tax?
- What merchants are featured on Chase Offers?
- How to downgrade your American Express card
- Salvage and rebuilt title insurance
- What does umbrella insurance cover?
- How does the IRS Free File program work?
- Best whole life insurance policies for 2024
- More about Capital One
- What are AI stocks?
- So what’s the holdup?
- March
- Frugal entertainment tips
- Backdoor Roth IRA rules
- Exclusions
- All year
- What does personal liability insurance cover?
- 5. Forgetting about your extension deadline
- OASDI limit 2023
- 6. Create a diverse range of credit
- Some credit required to qualify
- How to diversify your credit mix
- How far in advance should I get preapproved for a mortgage?
- During a deferment
- How to apply for a VA home loan
- Cash App
- State availability
- State seller's disclosure laws differ
- Consider the cost (and how you'll pay)
- How long will your mortgage loan last?
- How to calculate your net worth
- Coping with rent increases and other uncertainties
- How long you have the loan matters
- 5 ways to make money on Instagram
- Get familiar with common scams
- 2. Empower: Best for fast cash
- DUNS number vs. EIN: What’s the difference?
- How to meet your monthly savings goal
- Price vs. yield
- How does a Roth IRA work?
- My Chase Loan
- Higher Education Act justifies plan B
- How to change the name on your passport after marriage
- 3. Bring your prescription (and regular) medicine
- Ways to consolidate your debts
- 3. You can elevate your status (and rewards) through spending
- Why is Bitcoin still popular?
- How are dividends paid out?
- What services are available at Walmart MoneyCenters?
- Coinsurance vs. copay
- Best car insurance companies: Our winners
- Average interest checking account rate: 0.08%
- How to claim the child tax credit
- Can you have too many sinking funds?
- CD rates: 1980s to 2000s
- Do I have to pay state tax on lottery winnings?
- 4. Monitor bank transactions online
- Advantages of HSAs
- The same (or more) coverage
- Who should make estimated quarterly tax payments?
- Cut expenses and increase income
- Closing costs calculator
- The Federal Trade Commission’s budget worksheet
- How do I keep my credit score from dropping?
- What can I use a home equity loan for?
- Security and incentives
- Types of state income tax
- What are the potential drawbacks of GoodRx?
- Erie renters insurance coverage
- OASDI limit 2024
- 7. Consider a secured card to build credit history
- What to know if you take online surveys
- Calculate your reduced Roth IRA contribution
- Mishandled luggage
- What to expect the stock market to return
- 4. You’re a victim of identity theft
- Savings account simple interest vs. compound interest
- Where to find your AGI on your 1040
- Making good financial decisions
- How to unfreeze your credit
- How to qualify
- How to reach Aidvantage customer service
- Who can open a joint business account
- Is per-card or overall utilization more important?
- Strolling, shopping and drinking
- You want to be closer to family
- 4. Shorten or eliminate unnecessary meetings
- New York state supplemental income tax
- Rental car insurance vs. your own auto insurance
- When do offers expire?
- Exceptions to state minimum car insurance requirements
- How can you improve your relationship with money?
- Top credit cards that offer preapproval without a hard pull
- State Farm life insurance rates
- Best life insurance company overall: MassMutual
- Goodbudget, for hands-on envelope budgeting
- 4. Peer-to-peer lending
- 1. High-yield savings accounts
- Variables that factor into POS system costs
- Why is net worth important?
- Airlines that offer lie-flat seats on smaller aircraft
- How to save money on Halloween
- How long does a late payment stay on my credit report?
- What state has the highest gas prices?
- What happened in September
- How to get a home equity loan
- Local sales taxes in Florida
- Who pays the closing costs?
- Upgrade Triple Cash Rewards Visa®
- How much do index funds cost?
- Is the OASDI tax mandatory?
- 4. Think about international appliance compatibility and pack accordingly
- Payments are reported to all major credit bureaus
- When are state taxes due in 2024?
- Pros and cons of VA home loans
- USAA renters insurance coverage
- 2024 IRS Free File: Participating tax software providers
- Copay vs. deductible
- Are sinking funds right for you?
- Banks and credit unions that clear checks fast
- 3. Take as much risk as you can stomach
- 5. Know the bank’s timeline
- Frugal DIY project tips
- How much should you spend on a mattress?
- How hazard insurance works
- Which companies offer rebuilt or salvage title insurance?
- 6. Assuming the IRS will hate you
- 6 types of dividends
- Are Walmart MoneyCenter services worth it?
- Your 401(k) plan allows after-tax contributions
- 5. Someone else used your credit card account
- How much interest will I earn on $10,000?
- What does a seller's disclosure include?
- Which businesses need cybersecurity insurance?
- April
- Do Chase Offers differ from Chase Ultimate Rewards® ?
- Benefits of charging your vacation on a credit card
- Home equity loan rates in 2023
- How to invest in dividend stocks
- Don’t count on this student loan forgiveness yet
- For Medicaid beneficiaries
- The bottom line
- Endorsements
- You'll likely forgo a welcome bonus
- Bank of America® Customized Cash Rewards credit card
- How many banks have collapsed?
- OpenSky® Secured Visa® Credit Card
- Where Fifth Third Bank business checking stands out
- Student status is required
- SBA 504 loan down payment
- The significance of adjusted gross income
- How much does a waiver of premium rider cost?
- How to apply for a joint business bank account
- Will making a partial payment keep me from being reported late?
- Peace of mind
- Is a smaller company right for you?
- How to transfer Chase points to Aeroplan
- You're prepared to create a new support network
- Does Florida have property tax?
- More ways to take charge of your budget
- How to choose a rent-reporting service
- Optional coverages
- How much to tip housekeeping
- Diversifying with index funds
- State Farm customer complaints and satisfaction
- After consolidation
- 4. You can reel in decent perks and benefits
- What umbrella insurance doesn’t cover
- Flight diversions
- Coinsurance vs. deductible
- Additional child tax credit
- Alternatives to checks
- How to increase your net worth
- Should I take a lump sum payment or annuity payments?
- Using the Loan Estimate to compare mortgage offers
- The bottom line
- Why is the 10-year Treasury yield important?
- How to make a rental car insurance claim
- What can you invest in with a Roth IRA?
- W-4 form 2024
- Mattress-buying tips
- 5. Bring the right debit and credit cards
- 8. Find a co-signer
- Google Pay
- Is United’s basic economy worth it?
- Other Roth IRA rules
- Your 401(k) lets you move your after-tax money
- Get more help with monthly budget planning
- 5. Online savings accounts
- 6. You co-signed a loan or credit card application
- How can I avoid late payments?
- 6. Rebounding from bank account fraud
- Step 3: Choose your lender and loan
- What state has the lowest gas prices?
- 3. EarnIn: Best for large advances
- The bottom line
- Are home equity loans a good idea?
- Should you feel guilty for quitting your job without notice?
- Erie renters insurance rates
- More apps to watch
- How to invest in AI stocks
- What if a seller lies on the disclosure statement?
- How does credit utilization affect my credit score?
- Is a backdoor Roth IRA worth it?
- When are New York state income taxes due?
- Should I tip housekeeping if they don’t enter the room?
- Changing your passport name after marriage recapped
- Where Fifth Third Bank business checking falls short
- Is OASDI tax the same thing as Social Security tax?
- Where State Farm stands out
- What are the other 2024 tax deadlines to know?
- How does cryptocurrency work?
- Best life insurance company for applicants with HIV: Guardian
- Contributing too much to a Roth
- What are IRS Free File Fillable Forms?
- How it all works together
- How to qualify for Hyatt Globalist
- What does cybersecurity insurance exclude?
- 4. Seek inexpensive diversification
- How to choose a car insurance company
- How to calculate quarterly estimated taxes
- May
- Frugal home expenses tips
- Does paying rent build credit?
- Ways to get the best home equity loan rates
- Special limits
- Understanding the American Express card families
- What does a shared equity agreement cost?
- 9. Build credit early
- Under income-driven repayment plans
- What is the VA loan limit?
- 5. Your interest rate can be costly for non-brand purchases
- USAA renters insurance rates
- Other performance metrics
- 7. You applied for a lot of credit
- Average certificate of deposit rate: 1.81% for one-year CDs
- What are fleet cards?
- Average CD rates: 2010-2024
- Types of mortgage loans
- How to find business class lie-flat seats on domestic flights
- Are 10-year Treasury notes a good investment?
- When are Florida taxes due?
- Environmental concerns
- Do I have to pay New York state income tax?
- Are Roth IRAs insured?
- The bottom line
- How to find the 2024 W-4
- How much hazard insurance do you need?
- Credit union personal loan rates
- Discounts
- Quick start guide: How to invest in index funds
- Can I get my Social Security tax back if I’ve overpaid it?
- 6. Get some travel insurance
- Where State Farm falls short
- Individual stocks
- Where to get roadside assistance
- The most popular surveys for cash apps
- SBA loans with no down payment requirement
- Who needs umbrella insurance?
- 2. Certificates of deposit
- What is your modified adjusted gross income (MAGI)?
- When to expect your child tax credit refund
- How to freeze your child’s credit
- Is a waiver of premium rider worth it?
- Step 3: Compare health plan networks
- How do I deal with lottery taxes?
- Disadvantages of HSAs
- Why the United℠ Explorer Card may be the better choice
- Alternatives for paying down a credit card balance
- When to get a CD
- 10. Apply at your bank or credit union
- You’ve got money left over for savings
- More reading about ETFs
- Ready to get started?
- Are there additional costs for high-income earners?
- Optional costs to sell a house
- Strategies for keeping your credit utilization low
- How do I grow my home's equity?
- Do you tip concierge?
- What does personal liability insurance not cover?
- 2023 state income tax rates and brackets
- Why did First Republic Bank fail?
- Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Compare business checking accounts
- More about State Farm life insurance
- How are cryptocurrencies created?
- What else you need to know
- The catch: Your health plan's network
- 6. High-yield checking accounts
- How do fleet cards work?
- How to find AI ETFs
- Tips to find cheap flights any day of the week
- How do I get cybersecurity insurance?
- Step 4: Gather loan documents
- Is Florida a low-tax state?
- How much can you borrow with a home equity loan?
- Final thoughts on things to bring when traveling internationally
- PayPal
- The rankings of reliable airlines
- EveryDollar, for simple zero-based budgeting
- 8. You closed an old credit card
- Final thoughts on the Aeroplan and Chase Ultimate Rewards® partnership
- How are gas prices determined?
- 4. Varo: Best for existing bank customers
- How do you buy 10-year Treasury notes?
- Primary vs. secondary coverage
- Next steps
- Roth IRA eligibility rules
- For the uninsured
- How to open a CD
- Citi Custom Cash® Card
- Do I have to update my W-4 every year?
- What's next?
- Refinancing a VA home loan
- How much umbrella insurance do you need?
- Discounts
- You don’t need to have $10,000 to take advantage of compound interest
- 2024 child tax credit news update
- June
- What is New York state's standard deduction?
- Life insurance
- Conditions
- How repayment of the equity investment works
- Consumer complaints
- How to book in Chase's travel portal with points or cash
- Best life insurance company for consumer experience: Northwestern Mutual
- 3. Bonds
- When should you freeze your credit?
- How to confirm if a flight has business class lie-flat seats
- Next steps
- Closing costs for the buyer
- Final thoughts on hotel tipping
- CD vs. savings account
- How much does hazard insurance cost?
- How to get a loan from a credit union
- Why are there so many kinds of cryptocurrency?
- Bottom line
- Best Android personal expense tracker apps
- The bottom line
- How to complain about Aidvantage
- Do you pay tax on T-notes?
- If you’re considering a stay at Minute Suites
- Home equity loan requirements
- Why did Silicon Valley Bank fail?
- When will I get my refund?
- Consumer complaints
- 9. You paid off a loan
- How to earn more interest in a savings account
- High-yield CD rates: 2018-2024
- Best cybersecurity insurance options
- How to pay estimated taxes
- Convenience
- How to adjust your Form W-4
- Consumer experience
- Other debt payoff options
- Types of VA home loans
- How to evaluate dividends
- Methodology
- How much does it cost to open a coffee shop?
- 5. Take off the retirement blinders
- Next Steps
- Am I a resident for New York state income tax purposes?
- Using your credit card for rental car coverage
- Disability insurance
- Are these the best dividend stocks?
- CD vs. bond
- Upgrade Cash Rewards Visa®
- Average money market account rate: 0.66%
- What about the Part D late-enrollment penalty?
- Could we be in an AI bubble?
- Cons of a credit freeze
- Step 4: Compare out-of-pocket costs
- July
- U.S. Bank Cash+® Visa Signature® Card
- Found the perfect small business for sale? Here are the next steps
- Venmo
- Consumer experience
- Doing the math on copays, coinsurance and deductibles
- What does having a lower score mean?
- Step 5: Submit your application and get funded
- Types of gas
- 5. Dave: Best for repayment flexibility
- What’s a spousal Roth IRA?
- Are home equity loans a good idea?
- How to get a hazard insurance policy
- Credit union vs. online lender
- 2024 state income tax rates and brackets
- Where to get a home equity sharing agreement
- How to get a down payment for an SBA loan
- How much does umbrella insurance cost?
- Fleet fuel cards: benefits and drawbacks
- How to settle a dispute with Aidvantage
- Types of CD strategies
- Tax Day resources
- How many times can you use a VA home loan?
- Best life insurance company for coverage amounts: New York Life
- The bottom line
- Frequently asked questions about estimated tax payments
- How much personal liability coverage do you need?
- How to get umbrella insurance
- Are cryptocurrencies financial securities, like stocks?
- Empower Personal Dashboard, for tracking wealth and spending
- Consequences of a child tax credit error
- Credit freeze or credit lock?
- A win for versatility
- Buying rental car insurance on your own
- Tips if you are going to finance your vacation
- Why did Signature Bank fail?
- If you're looking to book business class lie-flat seats
- August
- Chase Freedom Unlimited®
- Other renters insurance companies to consider
- How to avoid the Part D late-enrollment penalty
- If you’re considering booking a rental car with your Chase Freedom credit card
- Roth IRA vs. traditional IRA: What's the difference?
- Discover it® Secured Credit Card
- Walmart2Walmart
- Final thoughts on the different United economy fare classes
- Important considerations when opening a Roth IRA
- Who can access your frozen credit reports?
- 6. MoneyLion: Best for existing customers
- What are CD rates right now?
- Consider all your options
- Bottom line: Is umbrella insurance worth it?
- Other renters insurance companies to consider
- What homeowners insurance won't cover
- The difference between interest rate and APY
- State child tax credits
- Should you invest in AI stocks?
- Choose CDs based on your goals
- Why are California gas prices so high?
- Should I choose a home equity loan, HELOC, or cash-out refinance?
- Next steps
- Additional help
- Fuel card vs. business gas credit card
- Report scams and be your own advocate
- What’s happening with Silvergate Capital Corp.?
- If you want to book an open-jaw flight using Chase points ...
- Best life insurance company for permanent life insurance: Pacific Life
- September
- Pros and cons of cryptocurrency
- Are dividends taxed?
- If you're ready to start a budget
- What is the $500 credit for other dependents (ODC)?
- What are promotional CD rates?
- How much does personal liability insurance cost?
- What happened to Credit Suisse?
- How much cybersecurity coverage do I need?
- How to open a Roth IRA in 4 steps
- Next steps
- Child tax credit vs. child and dependent care credit
- What is credit card consolidation?
- Other types of mortgage loans
- Step 5: Compare benefits
- 7. SoLo Funds: Best for peer-to-peer cash advances
- W-4 calculator
- Mission Lane Visa® Credit Card
- Western Union
- 4. Money market funds
- Closing thoughts
- FHA vs. conventional loans: Summary
- PocketGuard, for a simplified budgeting snapshot
- How the FDIC calculates national rates
- Does the president control gas prices?
- October
- Car rental insurance: The bottom line
- Does your business need a fleet fuel card?
- How does credit card consolidation work?
- Investing
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Are other banks are in trouble?
- Do you need roadside assistance coverage?
- Best life insurance company for customer satisfaction: State Farm
- The myWalgreens Mastercard
- What else to know about Form W-4
- How does the Israel-Hamas war affect gas prices?
- 8. Klover: Best for no-fee advances
- NYC income tax rates
- Should I take my money out of the bank?
- Cryptocurrency legal and tax issues
- 5. Mutual funds
- November
- Prosper® Card
- Is consolidating credit card debt a good idea?
- Zelle:
- Are we in a recession?
- Can I still use my credit card after debt consolidation?
- Summary: How to choose health insurance
- Your decision: Is cryptocurrency a good investment?
- Best life insurance company for older applicants: AARP
- 6. Index funds
- Mortgages
- Credit cards for dining
- Does homeowners insurance cover ... ?
- Honeydue, for budgeting with a partner
- Pros and cons of loan apps
- December
- Closing costs for the seller
- Capital One QuicksilverOne Cash Rewards Credit Card
- Are we headed for a depression?
- Cheapest car insurance by state
- 6 things to know about New York state income tax
- Alternative options
- Prime Visa
- What to know about the best ways to send money
- Best term life insurance companies of April 2024
- Types of homeowners insurance policies
- Best whole life insurance companies of April 2024
- What if you're not eligible?
- Capital One Platinum Credit Card
- Budgeting resources from NerdWallet
- Alternatives to the best whole life insurance
- 7. Exchange-traded funds
- Best no medical exam life insurance companies of April 2024
- How to get cheap car insurance
- Are cash advance apps payday lenders?
- More about whole life insurance
- How to choose the best life insurance company
- Airline credit cards
- Personal loans
- Other home insurance companies to consider
- Methodology to identify the best budget apps
- What are the Roth IRA withdrawal rules?
- AvantCard Credit Card
- 8. Stocks
- Are apps like DailyPay and Payactiv cash advance apps?
- Risks of getting cheap auto insurance
- Target Circle™ Credit Card
- More about top-rated life insurance companies
- How homeowners insurance works
- Alternatives to cash advance apps
- Blue Cash Everyday® Card from American Express
- Student loans
- More about top-rated life insurance companies
- 9. Alternative investments
- Capital One Venture Rewards Credit Card
- Taxes
- Capital One® Walmart Rewards™ Mastercard®
- Cash advance app star rating methodology
- 10. Cryptocurrency
- Hotel credit cards
- Travel rewards
- Apple Card
- Full list of the best car insurance companies
- 11. Real estate
- Best car insurance companies by state
- PlayStation Visa Credit Card
- Venmo Credit Card
- Store credit cards
- How to choose the best investments in 2024
- How to find the best car insurance
- How to find the best home insurance policy in five common scenarios
- Best Buy credit cards
- Options with more style than substance
- Why you can trust NerdWallet
- Xbox Mastercard
- How to compare homeowners insurance
- 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.