Since the Great Recession, they've shied away from credit card debt.
Instead, they use debit cards, checks, or cash to make sure they can afford their purchases.
It's too soon to say whether these consumer spending trends are permanent, or just a reaction to the recession.
Discounts on items will be as much as 30 percent off, to start.
Closures are also set to begin this month and run through mid-April of this year.
It also occurs when interest rates are high, since that makes it expensive to take out loans.
Capital is the amount available for investment by businesses or individuals.