So, you've spent all your money on Christmas presents and champagne (well, Prosecco) and are basically in some sort of self-imposed financial lock down until payday.
But all those new season trends are calling. The shops and magazines are full of them and avoiding temptation can be as difficult as that first Monday back in the office.
Luckily, there are loads of key pieces for 2016 already in your wardrobe - meaning you can rock the latest looks this January, no retail therapy required.
Never since Justin and Britney's 2001 double denim matching monstrosities has the blue stuff been more in Vogue.
Make like model of the moment Gigi Hadid and team your trusty pair of skinnies with statement ankle boots, a chic coat, and a basic crop top (we are having one of the warmest winters on record, after all).
Grab your florals, your lace, and your satin slips because 90s style is back in a big way.
Channel some Saint Laurent SS16 catwalk vibes, and avoid any January chills, by teaming slinky maxi dresses with luxe knitwear and cosy fur.
Just because party season is over, doesn't mean your sequins are.
Work that NYE dress well into the new year by adding tough touches like fishnets, biker boots, and leather jackets.