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Brought to you by Erin Huffstetler from The Balance Everyday, here are nine ways to make sure you can survive financially through the longest month of the year, January.

1) Look for reduced-price candy, baking supplies, gift sets (with products you use), and basics like soap and cleaners that have been marked down, simply because they're in holiday packaging.

2) Ever wonder what happens to all those holiday gifts that get returned? Some of them return to the sales floor, but a lot of them get marked down and sold as open-box merchandise or shipped to discount stores.

3) Thrift stores get swamped with donations in December because people want to make last-minute tax deductions, and that means a lot of new inventory in January. Swing by your favourite thrift shop for some of the best deals of the year.

4) Electronics, sneakers, and furniture are just a few of the numerous items that go on sale in January. Scan this complete list of what's on sale to see if anything you need is on the best deals list.

5) If you don't have kids, there's no need to have Christmas gifts on time, delay the gift exchanging to after Christmas where you will find all prices lowered almost immediately after Christmas day, hit the stores before New years Day and beat the Christmas rush.

6) Most coupon sites reset their coupons monthly. Take a few minutes to peruse the offerings and then print or download the coupons you want.

7) Eating seasonally is a great way to keep your grocery bill down, and believe it or not, there are actually quite a few fruits and vegetables that are in season in the dead of winter/ summer depending on what side of the world you are on.

8) As you enter the peak time of Summer/Winter, dial down your heating or aircon bill to save you more money.

9) Life changes from year to year, so your budget should change, too. Print out a copy of the Build-a-Budget Worksheet and get that new year budget drafted today. This can also work great with your healthy new year's resolutions.

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