Here are some ways to avoid the temptation of the shops and not shop the January sale if you can’t afford to.

1. Cut your bank cards

2. Avoid the shops

3. Shop your closet

4. Organise a clothes swap

5. Ignore the sale ads

6. Care for your current pieces and accessories

7. Find a new hobby

8. Get the most wear from your collection

9. Think of saving and investments

10. If you must shop, buy just what you need. Remember the Russian saying – ‘Spending is short but earning is long’.