January Sales

[glenshena]

I am always amazed to see people queueing up outside shops for the January Sales. After all the Chrstmas shopping I don't know how they have the money. Or perhaps they are taking back unsuitable Christmas gifts, or perhaps they received money as gifts instead of presents? For me January is a month for paying bills. BIG bills like Car insurance and road tax, and we all have more than one car in the family. Then there's the huge winter Gas and Electric bills.
What's the secret?