Look out for your loved ones in the run up to January 18 2021, described as Blue Monday.
Blue Monday is a term used to describe the most depressing day of the year, the third Monday of January every year and is calculated using a formula using multiple factors. This includes our typical miserable Scottish weather conditions and our lack of daylight. The difference between debt accumulated and our ability to repay. The time since Christmas and the time since failing our new year's resolutions.
Low motivational levels and feeling of a need to take action. This is the time most people with financial difficulties are likely to feel their Christmas debt hangover the most.
Learn more in our article Together we can beat Blue Monday.