Yep. Blue Monday is calculated using the above formula which - for those of us with a less mathematical bent - basically means its the most depressing day of the year. Marvelous.

And apparently, this year it falls today.

It's cold, you're poor and it's still a way until payday, the Xmas festivities are well and truly over and for those of us doing Dry January, the end is still not in sight. If you're attempting to diet as well, give up smoking or are hitting the gym with a vengeance, there really doesn't seem to be a lot to be cheerful about. Oh, and you came back to work and realised you still hated your job/boss/commute/colleagues after Christmas.

So what are the positives?

Hmmm.

I'm thinking really hard.

Well...the days are getting lighter? February is a short month so your pay sort of goes further? You can have a beer soon to celebrate a month of abstinence (and your liver is practically brand new)? You may have lost some weight already - think summer body! And it's a really busy time in the jobs market so you can dust off and update that CV and get yourself back out there - who knows, you may well bag that shiny new job meaning you have a brilliant summer!

So there's plenty to look forward to - if you can make it through the next 10 days. Dig deep and Best of British to you!