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Save Money on Clothes: Reduce Credit Card Debt

Saving money on clothes is something everyone seems to appreciate. Whether you have a tight clothing budget to reduce credit card debt or you just want to make it stretch a little more, these tips to save money on your wardrobe will come in handy.

Buying clothes on sale will allow you to still reduce credit card debt.

Buying clothes on sale will allow you to still reduce credit card debt.

How to Save Money on Clothes & Reduce Credit Card Debt

The more deals, discounts and creative ways to reduce clothing expenses, the more money you will have to put towards debt management. Even if the credit card debt didn’t amount from major clothes shopping, every way to lower expenses can help. Let’s find out how to save money on clothes to help reduce debt.

Pay Attention to the Seasons

Since the best deals come when the seasons switch, understanding retail seasons is vital to saving money on clothes. The spring season runs from February to June while the autumn season is from August to December.

So if you’re looking for deals on spring/summer clothing, the best time to buy is the end of June into July. To get the most bang for your buck on fall/winter clothes, shop in January. If you still have gift cards left from the holidays, get the most out of them by shopping in January for sale items to plump up your winter wardrobe.

Watch Sale Cycles to Save Money on Clothes

In addition to the retail seasons, stores also have similar retail sale cycles. Every store has times where they get new items in and mark old items down. By getting to know your favorite stores and keeping an eye on their patterns you can become at expert at knowing when things are going to go on sale.

There is nothing worse than paying full price for a sweater and returning two weeks later to find the price slashed. Figuring out the cycles doesn’t have to be a guessing game. Simply ask when the next round of markdowns will happen or when they are getting their next shipment of new merchandise. This will help you when trying to reduce credit card debt.

Use Coupons and Take Advantage of Promotions

If you know there is a good chance something won’t make it to the sale rack, don’t panic! This is when it’s best to use coupons or promotions. You can wait for the mail and find coupons the traditional way or you can use the Internet to find coupons. There are a ton of coupon sites and coupon apps out there that will help you to save money and reduce your consumer debt.

Shop Beyond the Clearance Rack

Although the clearance rack is the most obvious place to look for deals don’t forget to look around the whole store for racks with sale signs. If a new outfit or pair of shoes is something you look forward to, try and get a deal on it. If that item isn’t heading to discount city, remember you have a clothing budget for a reason. Use it and enjoy your new digs!

Reducing credit card debt can be tough. Limiting expenses, like clothing, is one way to funnel more money toward debt. Healthy finances are possible with a budget and a little creative.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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