After that you'll need to join the gym (again) so that you can keep your New Year's resolution to get in shape. And then there's Valentine's Day. And, of course, the trip you planned to go see the pyramids (in Vegas, that is). Wouldn't it be nice to have a little extra in the bank to pay for it all?
That way, if you join the gym and actually do keep your New Year's resolution, you'll be able to afford some new duds too.