Blue Monday – The most depressing day of the year

Written by PayPlan on 8 January 2018

Blue Monday is fast approaching. For those of you that don’t know, this day is typically the third Monday in January and it is claimed to be the most depressing day of the year.

This year, Blue Monday falls on 15 January and it is calculated based on a number of factors. Firstly, post-Christmas debt is due! So for many people across the country, their yearly debt is at an all-time high.

In addition, weather conditions are generally very gloomy, wet, cold and on top of this our motivational levels are at an all-time low, and by this point most of us have abandoned our New Year’s resolutions. If you are in debt and find yourself struggling to keep up with payments, it is perfectly normal to feel down about it, as you try to find ways to cope with your difficult financial situation.

Depression, however, is more that the occasional ‘blue’ day, as people who suffer can find it hard to function on a day to day basis. At PayPlan, we understand the impacts that mental health can have on people all year round and not just on one day of the year.

We help thousands of clients every year as they struggle to cope with their debts. People contacting us for debt help often show signs of stress, depression or suicidal feelings. A lot of people who are in debt often tell us they feel alone, which is why they often get these feelings .

If you need support with your mental health it’s important you find someone to talk to. There are organisations, such as, who may be able to support you and we have more information about what financial help is available if you have mental health problems.

More positively, The Samaritans has declared 15 January as ‘Brew Monday’, which involves asking friends, neighbours and work colleagues to get together and take time out for a hot drink and a chat. The charity believes this helps to provide emotional support to those who need it. For more information on how to get involved visit

If you or someone you know is worrying about money and wants to talk to someone, PayPlan offer FREE debt advice. So give us a call today on 0800 716 238 to chat to one of our advisers or visit

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This article was checked and deemed to be correct as at the above publication date, but please be aware that some things may have changed between then and now. So please don't rely on any of this information as a statement of fact, especially if the article was published some time ago.

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