Support for Windows 7 does, indeed, cease next January. There might, however, be scammers out there who'll give you that perfectly true information and then invite you to click on some dodgy links. So you should extremely wary about clicking any such links.
The ending of supports will mean that there will be no more security updates for Windows 7 but it doesn't mean that your computer will stop working. (There are millions of people still using Windows XP, including quite a few members of AB, without any problems. That's despite the fact that Microsoft's support for XP ended over 5 years ago. However the problems the NHS faced, when their XP computers got attacked by ransomware, did show that XP is now more vulnerable than more recent versions of Windows are).
So I don't think that you need to rush to get rid of your Windows 7 computer. (I'm certainly not!). However you'll eventually have to bite the bullet and move to Windows 10 (or switch to a completely different operating system altogether).
If you're only using your computer for everyday tasks (such as email, web browsing, word processing, etc), rather than for things like high-end video processing or playing the latest resource-hungry video games, buying a reconditioned Windows 10 machine needn't cost you more than about a hundred quid.