Today, say experts, is the unhappiest day in the entire year.
Unpaid Christmas bills, nasty weather, and failed New Year's resolutions combine to make January 22 the gloomiest in the calendar.
Dr Cliff Arnall, a Cardiff University psychologist, devised the formula that shows today is the most depressing.
His equation takes into account six factors: weather, debt, time since Christmas, time since failing our new year's resolutions, low motivational levels and the feeling of a need to take action.
Taken together they pinpoint today as 'Blue Monday'.
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