Christmas is over and by now people should be recovering from the Christmas wipe out of their budgets; you may have overspent this year around Christmas and are finally getting back on track. End of January pay day for those paid monthly will be here soon; what a great time to take care of you when the January sales are here.
Maybe it’s time to start off with a whole new wardrobe for 2016, give yourself the confidence boost and help make this year awesome.
If you’re going to be a little short this month, maybe if you have a steady pay cheque and a solid job you can opt for one of the online catalogue shops for a good deal and to spread the cost; be prepared to pay 10 – 15 % more with goods through catalogues though. If your taking this route, make sure you get 1.5 less worth of credit than your expendable income due to the high interest and compounded interest rates they have.
The best bet though is to visit the stores and see what bargains are to be had in the stores; footwear is also good to buy this time of years, maybe you can save more money later by buying 2 pairs, and several items of clothing for the whole year.