How to Avoid the January Financial Hangover

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How to Avoid the January Financial Hangover #FinancialPeace #CleverGirls

It’s easy to get caught up in the hustle and bustle of the holiday season and lose sight of the goals we’ve set to help us achieve financial peace of mind.

How to Avoid the January Financial Hangover

Set a Budget

Write a list of gift recipients and set a specific budget for each person. Do not go over budget for anyone!
Set a holiday budget
Photo c/o Tax Credits 

Use Coupon Apps 

Download apps like Retail Me Not and to check the deals before and during shopping adventures.
Retail Me Not

Follow Blogger who’s style you Love 

Do you love a blogger that has style you want to emulate or style that is similar to that of a gift recipient on your list? Follow them during the holidays to get deals on what the bloggers favorite brands.
Follow you favorite bloggers

Agree to Limited Gift Exchanges

Talk to your friends and family and agree to a limited gift exchange. Either choose not to exchange gifts or put a max budget on it.
Agree to limited gift exchanges
Photo c/o Jimmie

Do Online Research

If you’re unsure of which specific item to buy, you can do your research online to determine which product has the best consumer reviews. Check sites with user reviews and ratings, such as or You can also check out your favorite bloggers for reviews. My husband loves No Film School for film product review. Seek out bloggers that review the niche of product you are searching for. They have a knack of showing how the products fit into their lives.
Amazon Reviews

Take advantage of Black Friday Sales and Cyber Monday

If those lines scare you, try shopping online during Black Friday and Cyber Monday. You can also get deals by opening a Bank Account with Bonus Savings. Capital One 360 Checking and 360 Savings are fee-free and earn interest. Capital One 360 offers remote deposit capture with Capital One 360’s CheckMate tool and make savings a snap with the Automatic Savings Plan. Once the Thanksgiving celebrations are done, be sure to add Capital One 360’s Black Friday Sale to your shopping list. Visit to give yourself the lasting gift of financial peace of mind by taking advantage of Capital One 360’s deals on banking, brokerage and mortgage products.

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Here are some of the Capital One 360 Deals:

Product Offer Details
ShareBuilder Up to $1,250 bonus (tiered offer)
  • Must be a new ShareBuilder customer
Home Loans $1,250 off closing costs
  • Must sign up for the loan during the sale period
360 Checking $100 bonus
  • Must make a $500 minimum initial deposit and make five transactions
  • Must be new to 360 Checking
360 Savings $100 bonus
  • Must make a $1,000 minimum initial deposit
  • Must be new to 360 Savings
Refer a Friend $40 bonus per successful referral
  • For someone to receive the referral bonus, they must be a current customer
  • Their friend must meet the minimum initial deposit requirements
  • Applies to all accounts

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14 thoughts on “How to Avoid the January Financial Hangover”

  1. Haha what a funny way to put it–yes, I know exactly what you mean by hangover and that is definitely something I do NOT want to deal with!

  2. Ooh you covered some really awesome ideas here. I especially agree with the gift exchange idea. Luckily my side of the family has been doing a gift swap for a handful of years now. It saves me SO much money – and stress too!

  3. I am always looking for ways to save and shop year round… it really helps… I do need to get a good savings account going, though…

  4. These are all great tips! I totally have to make a list and stick to it. Too many times I’ve ended up giving too much and getting myself in real trouble.

  5. Nevermind the January hangover, my budget is always hung over- November, December, January, February, augh!!! At least these tips help. Ebates helps a lot!


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