Beating the January blues

Christmas seems so long ago, your new year resolutions have already been broken and it’s still a long time until pay day. On top of that its cold, its dark and its snowing! The third Monday of January is dubbed Blue Monday. There is actually a mathematical formula as to how this date is worked out, but we wont bore you with that.

This is the day when the post Christmas financial hangover hits home. January credit card bills are arriving – bringing home just how much you spent at Christmas. The deadline for submitting your 2013/14 tax return is looming.

You can choose to dwell on these negatives or you can turn it around. The weather may be horrid and dark but the days are getting longer (3 minutes per day!) You may have stalled in your resolutions but you can start again – NOW! You have a whole year ahead of you, who knows what it may bring. Be positive and take control.

Financial worry can play havoc with health and mess up relationships. With around  a third of us relying on credit to get through Christmas, this week is evidently one of the busiest of the year for online searches for help with debt advice.  

Unfortunately we can not do anything about the weather or your failure to keep up with that exercise regime. We can offer some really useful help and advice on your money troubles and cleaning up your credit file.

Contact us