The Update

What to Buy and What to Skip in January

January marks the start of a new year, and with it comes opportunities to snag great deals—or overspend on items that are better left for later months. Smart shopping means knowing where the real savings are and when patience pays off. Here's a guide to help you make the most of January sales and avoid common pitfalls.

What to Buy in January

1. Fitness Equipment and Gym Memberships
   Retailers and gyms know many people set fitness resolutions for the new year. This makes January one of the best months to buy workout gear, fitness trackers, and home gym equipment. Many gyms also offer discounted memberships or free trials to attract new customers.
2. Winter Clothing and Accessories
   With the holiday season behind us, stores begin to clear out their winter inventory to make room for spring collections. Look for steep discounts on coats, boots, scarves, and other cold-weather gear.
3. Bedding and Linens
   January is famous for "White Sales," a tradition dating back to the 19th century. Expect deals on sheets, comforters, towels, and other household linens. It’s the perfect time to refresh your bedroom or stock up on essentials.
4. Holiday Decorations and Wrapping Supplies
   Stock up on deeply discounted holiday decorations, lights, and wrapping paper for next year. Retailers slash prices on these items to clear out leftover inventory.
5. Televisions and Electronics
   As new TV models are introduced ahead of February's Super Bowl, January is an excellent time to find discounts on last year's models. Electronics like laptops and headphones may also go on sale, especially if retailers have surplus holiday stock.

What to Skip in January

1. Jewelry
   With Valentine’s Day just around the corner, January is not the best time to buy jewelry. Prices often remain high, and better deals may be available after February 14.
2. Spring and Summer Clothing
   New spring collections begin to hit stores in January, but they’ll be sold at full price. Wait until late spring or early summer for sales on these items.
3. Furniture
   While some furniture stores may offer deals, February and August are traditionally the best months for buying furniture due to new releases and clearance events.
4. Large Appliances
   New models for washers, dryers, refrigerators, and other appliances often launch in the spring. Waiting until late winter or early spring could yield better discounts on older models.
5. Travel Deals for Summer
   While you might find promotions on winter getaways, summer travel deals are rare in January. Plan and book summer trips in late spring for better savings.

Tips for Smart January Shopping

• Set a Budget: Holiday spending can strain finances. Stick to a budget and prioritize needs over wants.
• Compare Prices: Use apps or websites to compare prices before making a purchase.
• Check Return Policies: Ensure items purchased during clearance sales can be returned or exchanged if needed.

By focusing on the right purchases and avoiding high-priced pitfalls, January can be a savvy shopper's paradise. Happy New Year and happy shopping!

Take Advantage of RGCU Rewards

Whatever you decide to buy this month, don't forget to take advantage of your RGCU Rewards. For everyday purchases you earn points, which can be redeemed for merchandise, gift cards, and even cash back! Whether you are using your RGCU Debit Card or RGCU Visa Rewards Card, you earn rewards. This is a great way to start 2025! 

It’s a new year, and a great time to pick up a fantastic bargain. This guide can help you learn what to buy and what to skip in January.