Ideas for a positive start to 2024
Beating the January Blues
January can often bring a touch of melancholy. After the festive season wraps up and decorations come down, the weather tends to be gloomier, the days darker, and motivation can be in short supply. It's a time when the post-holiday blues might be compounded by financial concerns, especially if you've overspent during Christmas.
But fear not, there are ways to rejuvenate your spirits and realize that January isn't as bleak as it may seem.
- Declutter and Refresh Your Space: Don't underestimate the magic of decluttering. Clearing out unused items, such as forgotten gifts or unworn clothes, can be surprisingly uplifting. Consider donating them to charity shops, allowing others to benefit from your decluttering efforts. Creating physical space can also offer mental clarity.
- Stay Active: The holiday indulgence can leave you feeling lethargic. Engaging in regular exercise can help boost your energy levels and mood by releasing those wonderful endorphins. Start with something simple like walking, which is free and accessible. Alternatively, explore options like swimming, joining a gym, or even trying the NHS Couch to 5K program.
- Discover a New Hobby: If you find yourself glued to your phone or TV, it might be time to pick up a new hobby. Whether it's fishing, photography, painting, creative writing, or knitting, there are countless activities to explore, catering to various budgets and skill levels. You might even find a community of like-minded enthusiasts eager to help beginners.
- Socialize for a Feel-Good Boost: We humans are naturally social beings. Spending time with friends, whether playing board games, watching movies, or simply chatting, can lift your spirits. While face-to-face meetings may not always be possible, virtual meetups or phone calls can be just as effective.
- Prioritize Quality Sleep: Adequate sleep is essential for your well-being. Ensure you have a tranquil, comfortable sleep environment. Consider the quality of your mattress, which should typically be replaced every 7-10 years. Stick to a regular bedtime routine and avoid late-night screen time for a better night's rest.
- Tackle Debts Wisely: If post-holiday debts are weighing you down, take a proactive approach. Review your income and expenses, cutting out non-essential spending. Look for ways to reduce your utility bills or insurance costs. Consider keeping only one credit card for emergencies and pay it off every month to avoid interest charges. If you're struggling with debt, seek advice from professionals who can help you find the right solution.
Remember, January doesn't have to be a gloomy month. By following these tips, you can brighten your outlook and start the year on a positive note.
For further assistance with managing your finances and debt, please contact:
Ian Brown
Senior Insolvency Manager
ibrown@thomsoncooper.com
Phone: 01383 628800
Mob: 07519 124657
Richard Gardiner
Partner
rgardiner@thomsoncooper.com
Phone: 01383 628800
Mob: 07872 376105
Maureen Walls
Senior Insolvency Manager
mwalls@thomsoncooper.com
Phone: 01383 628800
About the author
Ian Brown
Ian is an expert in the Debt Arrangement Scheme and Business Debt Arrangement Scheme, assisting individuals, sole traders and partnerships.
He also advises on personal debt solutions recommending the best option to resolve problem debt issues.