January is usually a long month that carries along a lot of expenses, make plans and preparations now for tomorrow, spend wisely today.
The keyword is "spend wisely", I mean people probably need quick money to buy stuff during new year and early January anyway especially myself, I do need this money for my needs for this month to pay college and stuff. I have been saying this so many times and it just depends on the people itself, they probably need money in urgent compared to "rich people" in here.