Don’t Forget Money In This Spending Account Before Dec. 31

Stepping Into Better Prices | A Guide To Negotiating For Cars, TV Bills, Home Renos And More | What To Do If You Missed Medicare Annual Open Enrollment Created for {EMAIL} | [Web Version]( December 28, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Instagram ]( [Youtube]( [SIGN UP]( ⋅ [WEBSITE]( [] INTRODUCTION [] - [Stepping Into Better Prices]( There are only a few days left in 2023 and I am starting to gear up for the new year. In 2024, I resolve to be a better negotiator. I’m not shy and I should use that to my advantage. If that’s one of your resolutions, too, we are in luck because Kiplinger contributor Laura Petrecca has put together [a fantastic guide for negotiating]( the price on everything from cars to your streaming services. Let’s all resolve to pay less in 2024. - Donna LeValley, personal finance writer [How automated tech makes investing easy]( Stay chill while your money works for you, with Betterment’s tax-smart tools and automated technology. Investing involves risk. Performance not guaranteed. [LEARN MORE]( ADVERTISEMENT [Advertisement] [] TOP STORY [] [A Guide To Negotiating For Cars, TV Bills, Home Renos And More]( [A Guide To Negotiating For Cars, TV Bills, Home Renos And More]( (Getty Images) The first time I ever bargained with a vendor was in the Caribbean, where negotiating is customary. I plan on making this a new habit. Prices are too high to ignore an opportunity to create more savings. [Join me in reading this guide to negotiating the prices of goods and services we all use regularly and learn a useful skill](. [] MEDICARE [] [What To Do If You Missed Medicare Annual Open Enrollment]( [What To Do If You Missed Medicare Annual Open Enrollment]( (Getty Images) If you overlooked Medicare annual open enrollment, you missed a chance to select or change your Medicare coverage. There is a good chance you will have to live with your previous selections until the next open enrollment — but there are circumstances that would allow you to still make those changes. [Read on to learn which life events qualify you for the penalty-free special enrollment period and how much the penalty is if you don’t qualify for an exception](. [Free Retirement Tools Here]( Find out how much you can afford each month with our data-driven spending plan. [READ MORE]( ADVERTISEMENT [] FSA ACCOUNTS [] [Still Have FSA Money to Spend?]( [Still Have FSA Money to Spend?]( (Getty Images) Using a flexible spending account is one of the few ways to save on expenses and taxes. It’s up to your employer to extend a grace period to use leftover money. If you don’t have a grace period — what are you waiting for? [We have practical suggestions on how to use your remaining balance and can tell you the deadline if your plan has a grace period](. [Free 401K Selection Advice]( See what retirement might look like for you and get a feel for what our award-winning free dashboard can do. Want a more accurate assessment? [READ MORE]( ADVERTISEMENT [] ALSO ON KIPLINGER [] - Frequent flyer programs [are under scrutiny]( - [‘Check washing' scams](: Did you send a check for the holidays? - Biggest [celebrity real estate profits]( 2023 - Tech heavy hitters to form [AI alliance]( ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger Retirement Report]( and [Kiplinger Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](concat('mailto:',$brief_feedback_email)) | [ADVERTISE]( [Future]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036