I am guessing here but I am thinking that most probably ….
you have just spent lots of money on Christmas & you have just gained lots of new stuff in your lives?
Go on, I bet I’m right.
Well in my view that means it is time to take stock, declutter, start paying off the debts. It is not the time to go sales shopping accumulating more stuff and more debts. Just because their is 50% off something does not mean you want or need it does it?
Unless you have planned ahead to try and purchase a specific thing in the sales you are probably being swept into a frenzy by all the promotion. Dont get swept away, you aren’t getting a steal at all.
Stand firm. Relax, take stock , enjoy what you have and get your finances back in order.
Start the new year with poise and calm and a less cluttered consumer driven life.
Deep breath in then out.
Do yourself a favour and avoid the sales.