Your March 2012 Financial To-Dos

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They say that March comes in like a lion, out like a lamb. And who are we to go against the maxim?

In order to make the rest of your spring as lamb-like as possible, we’re going to lion our way through the beginning of it.

Every month we bring you the most important financial to-dos. If you follow our guide to March, you’ll get a head start on projects that will make your life easier all the way through summer, as well as make the most of an altogether dreary month as winter slo(ooooo)wly fades away.

Reassess Your Budget. Deadline: March 1

Log in to the LearnVest My Money Center to see the different categories of your spending, like nights out on the town and groceries. How does your spending in those areas compare to what you thought you were spending? Make sure to take into account any life changes, like school, work, family, wedding, vacation, children and anything else that could change the way you manage your finances.

Plan Your Summer Travel. Deadline: March 8

Leaving vacation days unused isn’t good for your well-being—or your productivity. Start planning your summer vacation early, at least several months before you go. From figuring out your vacation budget to picking a location, this little nugget shouldn’t feel like work.

File Your Taxes. Deadline: March 15

The deadline to file your taxes is April 15, but we don’t think it’s worth your time to wait in line at the post office—nor the stress to deal with it last-minute. If you need a helping hand, you’re in luck! LearnVest’s brand-new Ace Your Taxes Bootcamp will walk you through every step of the process. Aim to have your taxes done by St. Patrick’s Day, so you can go out and celebrate with a pint or two.

Master Your Kitchen. Deadline: March 19

Nothing is friendlier to your budget or your health than cooking at home, but we all know it’s hard to find the time. That’s why we have our Food for a Month series: You’ll know exactly what you’re making, what you’ll need to buy and how much you’ll need to spend in only one shopping trip per week. From sausage-fried quinoa to tomato and white bean salsa, you’ll master our easy, affordable recipes in no time. And plus, eating properly will help with your next goal …

Protect Your Health. Deadline: March 29

We can all use a little breather post-taxes, so take this opportunity to value your health along with your finances, and plan accordingly. Impending bikini season aside, the end of winter can wreak havoc on your health, both physically and mentalyl. Resist the gloom with the healing powers of budget-friendly superfoods and effective, affordable workouts. (And if you’re warding off sniffles for a Little LearnVester, you’ll want to check this out.)

And make sure to check out what you should be buying this month!

What To Buy When

  • Jan
  • Feb
  • March
  • April
  • May
  • June
  • July
  • Aug
  • Sept
  • Oct
  • Nov
  • Dec

Winter Boots, Clothing and Coats:

Get in on winter sales now for the best selection

Suits:

Around the new year, stores discount their fall suits

Perfume:

A popular holiday gift, perfume is often on sale after the season

Home Furnishings:

Retailers are making room for new inventory

Calendars:

Just after the new year, prices are drastically reduced

Carpets and Flooring:

Many people spruce up their homes during the holidays, so prices plummet afterwards

Big Appliances:

Stock not sold during the holiday rush is now heavily discounted

Linens and Bedding:

Ever-popular "white sales" make January the best month for these items

Holiday Supplies:

If you're willing and able to store cards and wrapping paper for a year, you can find them now for up to 80% off

Office Furniture:

Retailers cater to home businesses starting around the new year

Video Games:

New games are released for the holidays, but you can get them marked down afterwards

Winter Boots, Clothing and Coats:

The selection is sparser, but the sales are steeper

Perfume:

Score a deal after Valentine’s Day

Homes:

Bad weather keeps buyers at bay, so competition is weak, and sellers are eager

Home Renovations:

You’ll pay less and get more attention from contractors, because few people renovate so early in the year

Bicycles:

Retailers mark down older models to make room for new inventory in February and March

Cameras:

New models come out in January and February, so buy last year’s version at a discount

Home Entertainment Systems:

The best TV and home theater sales come just before the Super Bowl

Video Games:

New games are released for the holidays, so you can get them marked down after the rush

Chocolates and Candy:

Buy after Valentine’s Day, of course

Sweaters and Cashmere:

Prices can be reduced by as much as 25% to 40% from the end of March through April

China and Flatware:

Get in on inventory left over from the holidays

Air Conditioners:

Don’t wait for the weather to get hot; demand is low now, as are prices

Gas Grills:

As with air conditioners, demand and prices are low

Gardening Tools:

Rakes, hoes, shovels and other gardening implements are as much as 50% off

Frozen Food:

It’s National Frozen Food Month, so supermarkets celebrate with sales

Sweaters and Cashmere:

Stock up now on next winter's sweaters with steep sales

Sneakers:

In spring, stores entice warm-weather runners with sales

Vacuum Cleaners:

Retailers slash prices now to make room for new models in June

Snow Blowers:

Come April, demand is low, so scoop up one for next year

Office Furniture:

Retailers cater to home businesses starting after tax season

Cruises:

This is the season for repositioning cruises, which have fewer ports of call but are cheaper and of great value

Electronics:

After the Japanese fiscal year closes at the end of March, retailers make room for new models of Japanese electronics

Sweaters and Cashmere:

Prices can be reduced by as much as 25% to 40%

Vacuum Cleaners:

Retailers slash prices now to make room for new models in June

Cookware:

Graduation and wedding promotions mean you should buy pots and pans now

Refrigerators:

New fridges come out during the summer, so stores are clearing space; negotiate a deal

Big Appliances:

Stock not sold during the holiday rush is now heavily discounted

Patio Furniture:

Warm weather means newer models, so buy last season’s styles now

Grilling Supplies:

Get charcoal and lighter fluid before summer kicks into high gear and prices go up

Small Kitchen Appliances:

Get your mixers and blenders now, when there are sales for wedding and graduation season

Party Supplies:

Whether or not you’re throwing a graduation party, stock up on disposable plates, cups, etc.

Electronics:

After the Japanese fiscal year closes at the end of March, retailers make room for new models of Japanese electronics

Mattresses and Box Springs:

Stores want to make room for new models, so negotiate a good deal now

Men’s Suits:

Father’s Day sales mean low prices

Tools:

Father’s Day strikes again

Cookware:

It’s not only wedding bells that are ringing—registers are ringing with sales of pots and pans

Paint:

When it’s hot out, no one feels like painting … which is why it’s cheap at this time of year

Butter:

Butter production is at its best in June and July, so prices are accordingly low; freeze for up to six months to make it last

Champagne and Sparkling Wine:

There are usually deals for bubbly during the holidays and before June weddings

Gym Memberships:

The outdoors beckon, so gyms are offering deals

Suits:

Get a spring suit—in the middle of summer

Furniture:

Retailers are clearing space to make room for new inventory

Big Appliances:

Take advantage of Independence Day sales

Paint:

When it’s hot out, no one feels like painting … which is why it’s cheap at this time of year

Butter:

Butter production is at its best in June and July, so prices are accordingly low; freeze for up to six months to make it last

Flip-flops:

Ever-useful flip-flops are harder to find later in the year; buy them now when retailers still have them in stock and they’re on sale

School Supplies:

Back-to-school sales!

Trees, Shrubs, Plants:

Nab end-of-summer deals late in the month, and store your plants according to instructions until next spring. Alternatively, buy bulbs, which you can plant whenever

Lawn Mowers and Swing Sets:

Stores discount these summer items now to make room for fall products

Computers:

Capitalize on back-to-school sales

MP3 Players:

Stores want to get rid of old models before October when new styles come out and the holiday rush begins

China and Flatware:

Get in on the inventory left over from wedding season

Wine:

The harvest is coming in, so you can find eclectic wines from smaller wineries early in the season

Computers:

Upgrade yours during back-to-school sales

Jeans:

The remainders from back-to-school season are now available inexpensively for kids and adults

MP3 Players:

Stores want to get rid of old models before October, when new styles come out and the holiday rush begins

Cars:

Next year’s models have arrived, so dealers want to sell the current year’s leftovers, giving you negotiating leverage

Holiday Airfare:

It’s about eight weeks before Thanksgiving, so make travel plans before flights book up and prices skyrocket

Jeans:

The back-to-school sales continue, with sparser selection but steeper discounts

Swimsuits:

Cash in on swimwear sales now through November

Big Appliances:

Buy last year’s models now; shop during Columbus Day weekend, because stores celebrate even small holidays with sales

Air Conditioners:

Temperatures are cooling, and so are prices

Gas Grills:

Pick these up now for next summer

School Supplies:

Back-to-school sales!

Toys:

Retailers lower prices as early as October in order to maximize holiday sales

Cars:

Next year’s models have arrived, so dealers want to sell the current year’s leftovers, giving you negotiating leverage

Health Insurance:

Open enrollment may be your one chance to sign up for insurance for next year

Wedding Dresses:

Wedding fever is at its lowest pitch now

Swimsuits:

Swimwear is as much as 90% off, but selection is low

Cookware:

Kitchenware becomes cheaper as the holidays approach

Christmas Trees:

For the best selection, get your tree right after Thanksgiving; it’ll stay good for at least a month, and trees later in the season have been cut weeks earlier anyway

Frozen Turkeys:

Buy one immediately after Thanksgiving, when grocery stores still have a glut

Toys:

Retailers are slashing prices to maximize holiday sales

Electronics:

Black Friday and Cyber Monday offer great deals on everything from TVs to computers

Wedding Dresses:

The beginning of December is the slow season, so get in before holiday engagements

Televisions:

In the run up to the holidays, stores have big sales on TVs

Pools:

Off-season, you’ll find the cheapest prices, though maybe not the best inventory

Small Kitchen Appliances:

Get your mixer and blender during holiday sales

Champagne and Sparkling Wine:

Although these are in high demand, prices are also more competitive than usual

Frozen Meat:

Buy this immediately after Christmas, when grocery stores still have a glut

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  • aejunebug

    Can you pretty please make these types of articles easy to print?? CNN.com uses a great application for printing that allows you to remove specific bits and pieces you don’t want/need such as photos, paragraphs, etc so you can reduce the amount of paper you print on. I love reading my daily LearnVest articles but my boss looks at me funny if I’m reading “too much” - I’d love the option to print and read at my desk between projects. Thanks!!

    • Anonymous

      Hi aejunebug,

      I’m glad you like reading our articles! We’ve heard this request from other readers, so our tech and design teams are actually currently working on giving this capability to you. We’ll check out the CNN function and see if it’s something we can do–thank you for telling us about it.

  • allisha aquino

    I love these monthly round ups, they are really helpful but I never seem to get these in the e-mails during the beginning of the month. I always get them at end of the month. Is there a list somewhere where I can check out all months Financial To Dos BEFORE the month ends?