With the holidays now behind us, you may have put the kibosh on all shopping sprees and tucked your wallet safely away from any new credit-based transactions. But with the array of new deals and bargains popping up this month, you might want to reconsider.
According to financial editor Farnoosh Torabi, the host of the award-winning podcast So Money and contributor to O, The Oprah Magazine, January is actually a very smart time for shoppers to land incredible deals with electronics, appliances and even jewelry.
Here are her picks for top deals to consider:
Flat screen TVs
Samsung 40" Ultra High Definition TV, $650, Best Buy

A great size for a living room or mid-sized home theater space. This Smart TV comes with built-in WiFi, letting you stream movies and music, and surf your favorite websites with the included Web browser. The retail price was originally $899.99, and it's currently on sale for $649.99 through January 7th.
Video games and game consoles
Xbox.com video games, from $35.99, Xbox


Starting January 1 for a limited time, buy any new Xbox One S bundle and get $20 off at participating retailers nationwide. And now through Jan. 9, visit Xbox.com for discounts of up to 50 percent off some of this year’s most popular games, like “Dead Rising 4,” “FIFA 17,” “Watch Dogs 2” and “Overwatch: Origins Edition.”
PlayStation 4 Slim 500GB Uncharted 4 Bundle, $269, Walmart

This system and game combo is a dream come true for gamers! It's currently on sale for $30 less.
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Jewelry
Necklaces, $19.99 each, Sears


With Valentine's Day around the corner, it’s smart to get a head start if you're in the market for a nice piece of jewelry. We’re seeing price cuts from high end to costume jewelry. For statement pieces, the online vendor Bauble Bar offers currently offers selections up to 30% off.
Flamenco earrings, $22, Bauble Bar

Athena Bib necklace, $40, Bauble Bar

Fitness equipment
Nordic Track Elliptical machine, $600, Sears

Featuring a web-enabled touchscreen, you can easily access fitness apps, watch videos or browse the Internet right at your fingertips. A power-adjustable ramp allows you to modify the machine's angle to work everything from quads to glutes. With 32 pre-loaded workouts and iFit compatibility, you can perform professional-grade routines from the comfort of your own home gym.
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Active Wear
Active tops, leggings and bras, now 50% off, Old Navy

Athletic wear, up to 70% off, Zulily

With deals like this, there's no excuse not to get dressed to get fit! Whether you make it out the door or to the gym is up to you.
Tools
Craftsman Mechanic's Tool set, $99.99, Sears

The 230-piece mechanic's tool set has what you need for most any job — from any project as complicated as spending the day under the hood to simple tasks like tightening bolts. Keep your eyes peeled — various Craftsmen tools from Sears are up to 50% off right now.
Craftsman Metric Wrench Set, $49.99, Sears

Featuring a rugged steel build, precision shaping and the variety of sizes you need to cover a whole range of tasks, this 24-piece metric wrench set reduces slip and rounding while helping you do the job right.
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Appliances
Samsung High Efficiency Washer and Dryer, $599 each, Lowe's

This stackable washer and dryer with steam cycle features Energy Star, and will help you save on your energy bill, too! The washer features nine wash cycles, including sanitize and allergen cycles that eliminate up to 99% of bacteria and kill up to 95% of pet dander and dust mites. The dryer, which matches the washer model, features four temperature options and 11 cycle selections, including a sanitization and quick dry cycle. To get the best deal, shop between 1/11-1/24 to get the sale price.