We know it’s hard to lower your consumer debt when there are essentials you need to buy for yourself and your family. Luckily, January is a fantastic month to purchase the necessary items for your home. Use these tips to get the items your family needs at a deep discount, making it easier for you to get closer to the goal of debt relief.
After-Christmas sales are a great place to start. Kitchen essentials are often marked down, and this is a good time to buy cleansers and soaps that are in holiday packaging. They’re the same items that you’d purchase year-round, but because they are in holiday packaging, stores are eager to offload. This is also true for treats like candies and baked goods, though we don’t necessarily recommend stocking up on those.
Thrift stores often get a flood of inventory in December, as people attempt to make last-minute donations to get tax deductions for the year. Hit up your local thrift store in January and get great deals on a variety of household goods and clothing, often brand-name items. I once got a Christian Dior suit for $14 at Savers! Check out other thrift stores like Goodwill, Salvation Army, and other stores local to your area.
Prepare for next year’s holidays by buying marked down merchandise in January. Wrapping paper, gift bags, holiday decorations – these will all be marked down with deep discounts in January.
Many people receive gift cards they don’t need. You can sell unwanted gift cards at numerous sites, including GiftCard Zen, Gift Card Rescue, Gift Card Granny, and ABC Gift Cards. While you won’t receive full value for them, it’s a way to turn gift cards you’ll never use into cold hard cash. You can also use these sites to purchase discount gift cards. If you know that you’ll spend money at a specific store, you can purchase someone else’s unwanted gift card at a bargain.
If you have credit problems and are trying to consolidate your debt, money-saving tips like these can help you continue to purchase the items your family needs, while lowering your monthly spending.