The Update

What to Buy and What to Skip in January

January is known as the month of fresh starts. After the hustle of the holidays, many of us feel motivated to reset our routines, finances, and goals for the year ahead. While January can be a great time to shop smart, it’s also a month when marketing tactics prey on New Year optimism. Knowing what to buy—and what to skip—can help you protect your budget while still setting yourself up for success in 2026.

What to Buy in January

Fitness Equipment & Gym Memberships

January is one of the best months for fitness deals. Retailers often discount home workout equipment like dumbbells, resistance bands, yoga mats, and cardio machines. Gyms and fitness studios also roll out sign-up specials with reduced initiation fees or free trial periods. If fitness is a genuine goal this year, buying now can save you money long-term.

Cold-Weather Apparel

Winter clothing like coats, boots, sweaters, and scarves are often deeply discounted in January as retailers prepare for spring inventory. This is the ideal time to buy high-quality staples you’ll wear for years rather than trendy items you’ll only use once.

Home Organization & Storage

January sales often align with the “declutter and reset” mindset. Storage bins, shelving, closet organizers, and desk accessories are frequently marked down. Investing in organization tools now can help reduce stress and even curb future impulse purchases.

Bedding & Home Essentials

Retailers tend to discount mattresses, sheets, towels, and basic home goods early in the year. If you’ve been putting off replacing worn-out items, January can be a smart time to upgrade essentials without overspending.

What to Skip in January

New Year Fad Products

From miracle supplements to trendy fitness gadgets, January is flooded with products promising instant results. Many of these items are expensive and short-lived. Before buying, ask yourself if it’s something you’ll still use six months from now.

Full-Priced Electronics

While some tech deals exist, many electronics—especially TVs, laptops, and tablets—are cheaper later in the year during spring sales or back-to-school promotions. Unless you truly need it now, waiting could save you more.

Big Lifestyle Overhauls

January can inspire ambitious spending on hobbies, classes, or subscriptions. While growth is great, committing to expensive programs all at once can strain your budget. Consider starting small and scaling up once you know it fits your lifestyle.

Valentine’s Day Items Too Early

It may be tempting to get ahead, but Valentine’s Day items often drop in price closer to February—or even immediately after. Waiting can help you avoid paying premium prices.

Final Thoughts

January is a powerful month to be intentional with your money. Focus on purchases that support long-term goals and skip those driven by pressure or trends. By shopping mindfully now, you can start 2026 feeling confident, organized, and financially empowered.

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 2026! 

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.