Thank you to Kellam, for this enlightening insight….

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Jan. 24 called worst day of the year

Is the midwinter weather wearing you down? Are you sinking in debt after the holidays? Angry with yourself for already breaking your New Year’s resolutions? Wish you could crawl back under the covers and not have to face another day of rain, sleet, snow and paperwork? Probably. After all, it’s Jan. 24, the “most depressing day of the year,” according to a U.K. psychologist.

Dr. Cliff Arnall’s calculations show that misery peaks Monday.

Arnall, who specializes in seasonal disorders at the University of Cardiff, Wales, created a formula that takes into account numerous feelings to devise peoples’ lowest point.

The model is: [W + (D-d)] x TQ

                          M x NA

The equation is broken down into seven variables: weather, (D) debt, (d) monthly salary, (T) time since Christmas, (Q) time since failed quit attempt, (M) low motivational levels and (NA) the need to take action.