According to some sources (which I’ll come to in a moment or two), Monday January 15 is “blue Monday”, a day said to be “the most depressing of the year”. The concept was apparently thought up by a UK travel agent decades ago, although that is debated and there’s even
Mental health triggers and finance documents – are creditors reading the room?

By adopting a compassionate and flexible approach to mental health triggers, it’s possible to create a more supportive financial system.
