Call toll free: 1-800-757-7296

How to Make It Through January When You’re Broke

January isn’t exactly everyone’s favorite time of the year. A few days into 2020 and we already have to drag ourselves back to work. A few weeks into the month and most of our New Year’s Resolutions are forgotten, the holidays seem like forever ago and the spring season seems ages away. This is around the perfect time to give yourself a little treat to make it through these cold, tough days… but that’s the worst thing about this month: you’ve spent most of your money on Christmas and New Year’s Eve and now you’re broke. 
So, how can you make the dark days a little brighter without spending a fortune? 
Fun and Affordable Activities in January
Surprisingly, New York City doesn’t have to be expensive. There are a lot of cool things to do in January that don’t require spending a fortune, including ice skating at the rink in Bryant Park. If you need skates, you can rent them for only $20. The ice skating itself is free.
Another thing to add to your bucket list this January is attending the taping of one of your favorite TV shows, since a lot of popular TV shows are shot in the area. This unique experience is not only free, but also a way to do something cool without having to step outside and endure the cold January weather.  
When you’re thinking about exploring the city by foot, January may not be your first choice of a time to do it. But now that the tourist season is over, you’ll find that the city is a lot calmer than the rest of the year, making a walking tour an even more interesting experience. All of the Free Tours by Foot are pay-as-you-like, meaning you choose how much, if anything, the tour was worth. Just make sure to pick one of the milder days for the walking tour.
Last but not least, what better way is there to treat yourself than enjoying a dinner at a 5-star restaurant, for ¼ of the price? During the NYC Restaurant Week, from January 21 till February 9th, you can eat in more than 300 of New York City’s best restaurants for less than $50.
Treat Yourself with Quick Extra Cash
The coldest month of the year becomes a lot more bearable when you have something to spend. Lending Organization Provident Loan Society has your back, no matter how broke the holidays have left you. Provident Loan Society is a not-for-profit organization that provides instant cash in exchange for collateral in the form of a.o. gold and diamond jewelry and fine watches. Whether you need $10 or $100,000, you can simply bring your collateral to one of their five offices in the city. In about 15 minutes, you’ll have enough money to treat yourself to a nice dinner in your favorite restaurant or a fun weekend trip to a warmer place. And before you know it, warmer days are coming up again.

About the author
Daphne Striekwold is studying International Business & Languages in the Netherlands.