Blue Monday: An Opportunity To Take Action

This year, the dreaded “Blue Monday” falls on 20th January. So called as it is calculated as the most depressing day of year, based on a pseudoscientific formula which factors in the dreary challenges wearing us down this time of year.

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A bad case of the Mondays, combined with the realisation you’re as far from your last to your next payday, with the winter weather wearing us down, the Christmas lights no longer igniting the dark evenings, festivities a distant memory, and motivation at an all-time low, 2013’s debt hangs like an anvil overhead as you try to stick to your New Year’s resolutions… and breathe.

Season For Reflection and Anticipation

With the holidays a time for merriment, spending time (and money) on loved ones, we suggest Blue Monday should initiate a time for reflection upon your expenses in a positive light for the anticipation of a new year.

What Can I Do?

Don’t succumb to the hangover of 2013 with your head in the sand, battling bills and adding to your stress; take Blue Monday as an opportunity for affirmative action to address your debt problems.

According to a press release by a mental health charity, the "formula" is as above where - where weather=W, debt=d, time since Christmas=T, time since failing our new year’s resolutions=Q, low motivational levels=M and the feeling of a need to take action=Na. 'D' is not defined in the release, nor are units.
According to a press release by a mental health charity, the “formula” is as above where – where weather=W, debt=d, time since Christmas=T, time since failing our new year’s resolutions=Q, low motivational levels=M and the feeling of a need to take action=Na. ‘D’ is not defined in the release, nor are units.
Budget
Take the time to assess your income and expenditure and formulate a plan. Trim, save and amend where you can and be aware of your circumstances so that there’ll be no surprises like unexpected bills.

Get Help
You’ve done the maths and the future’s still not looking too rosy? Debt has mounted and, two weeks in, you’re fearing what the rest of 2014 will bring?

Seize the day, own Blue Monday and contact Harrington Brooks for support and peace of mind.