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With the festive period now over and our wallets probably a touch lighter due to Christmas debt, it’s understandable to feel slightly down around this time.
In fact, we’re rapidly approaching Blue Monday – a date regarded as the most depressing day of the year. This year, it falls on January 20th and is calculated from a combination of factors such as the weather, low-motivation, and debt levels.
Here’s the thing about depression – those who live with it know it’s generally not impacted by the date. Furthermore, depression is not just about feeling ‘blue’ or ‘being a bit down’, it is something which can be life-threatening.
The calculations for Blue Monday are somewhat suspect as well and regarded by many as being a pseudoscience. It appears the term ‘Blue Monday’ was originally coined by a PR company as a means to sell holidays. If the motives are accurate, then it can be argued that Blue Monday was one company’s way of persuading people to take care of themselves – during a created depressive time – by treating themselves to a break away.
Therefore, Blue Monday might just trivialise the matter of depression entirely – which does nothing to help normalise the issue.
Although now an annual event, Blue Monday does help to open the conversation about depression. The Samaritans, for example, have created a series of events called ‘Brew Monday’ aimed around encouraging people to have a cuppa and a chat.
At the very least, it creates an opportunity for people to discuss how they handle their depression. Whether through exercise, spending time with family and friends, or just watching a funny movie, it’s important to realise that – if you’re suffering from this condition – you are certainly not alone.
Personally, I always turned to my cat. Named Simba, I’ve always enjoyed spending quality time with him to remind me of the good things in life:
Although Blue Monday may be a somewhat scientifically-questionable event, it at least demonstrates how debt – not limited to just post-Christmas – can have a detrimental effect on our wellbeing. It’s for this reason that our advisors have received Samaritan-training to better understand just what debt can do to us.
If you’ve been struggling with feelings of depression, you may wish to discuss these with your GP, a loved one, or obtain advice through a specialist organisation, such as Mind. However, if you feel your debts are a cause of your worries, then it’s time to get in touch with us.
We help around 400 people every day and we could assist you in finding your ideal debt solution.
Debt write off applies to unsecured debts and on completion of an IVA. A debt write off amount of between 20% and 80% is realistic, however the debt write off amount for each customer differs depending upon their individual financial circumstances and is subject to the approval of their creditors.
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Free money help and advice can be found at the MoneyAdviceService.org.uk