If you’re trying to avoid overspending in the sales this winter, here’s our top tips to help you shop the sales sensibly and snag some bargains in the process.

Long before the internet changed the face of shopping, paper catalogues and mail order giants reigned, all of which offered shoppers who were strapped for cash to split the cost of a big spree, often across several months. But now, as we're more likely to shop from digital rails compared to those in bricks and mortar, tech companies have adapted to tap into the growing "delay pay" market. The big question is, is it ethical?

If you're looking to make your outfits more conscious, it's time to think rental…