There are always months that you might get a better deal on an item than other months and January is a big month for that! Yes, it's after peak shopping season for the holiday and the start of a new year to maybe lure people in trying to become "new versions" on themselves...
According to BankRate.com, they questioned about 1,004 participants in a phone survey, and only 55 percent of Americans have more in emergency savings than they have in credit card debt.