By some accounts, Blue Monday was this week.

What is Blue Monday, you ask?

It goes back to a campaign created by Dr. Cliff Arnall and Sky Travel in 2005, and it’s the third Monday in January.

It is a pseudo-scientific calculation that considers weather conditions, debt level (the difference between debt accumulated and our ability to pay), time since Christmas, time since failing your New Year’s resolutions, low motivational levels, and feeling of a need to take action.

The idea is that all of that is enough to put you in a “blue” mood. Of course, the ...

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