Now is the time to shop.

January is not only the beginning of a new year but also the best time to find clearance Items. Most stores will put all the Holiday Items at ridiculously low prices. As a mother of four; when my kids were small I used to buy all of my wrapping papers, bows, ornaments etc.. in January for the next Holiday season. January is also when most stores start to bring in new seasonal merchandise and start to mark down on winter clothes and accessories. The best shoppers look like a million bucks but actually spend very little. It is not so much about what you buy but knowing when and where to buy. With access to the Internet and so many competitive prices; It is just a matter of research and patience. If patience is not your thing and you can use help shopping; you can always get an assigned concierge at www.em-concierge.com  with the money you will be saving and have your own assistant help you with all matters of life. This new year is about simplifying your life and it starts with how you Invest money and shop. Look for the bargains and cut down on expenses that bring no benefit or Improvement to your life. January is definitely the month to start shopping for end of the year activities.