<p style=”text-align: left;”>18th January 2021 is also ‘blue Monday’ the most miserable day of the year.</p>
<p style=”text-align: left;”>‘The theory goes that this is the time of year when we’re all cold, broke and riddled with guilt that our new year’s resolutions to get fit, drink less alcohol, and be a better human being have fallen by the wayside’
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………..and the day the Christmas credit card bill arrives!