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Blue Monday, which falls on 18 January in 2016, is the most depressed day of the year. Understandably, tightened purse strings following the festive splurge, time passed since Christmas and new year resolutions is not a combination for happiness - but why is the third day?

The theory was first published in 2005 at Press Center for Lifelong Learning - at Further Education center associated with Cardiff University. Later, however, the Guardian printed a statement from the university distancing itself from the psychology professor: “Cardiff University asked us to point out that Cliff Arnall… was a part-time tutor at the university but left in February.

The third of the year. Whether you think or not, the long nights, cold weather and trying to keep new year's resolutions. To make things worse, they will still be recovering from their Christmas spending

So how can you make a little better for you and your wallet? Well, if times are tight, a little extra in your pocket should make the month more bearable. Here are four easy ways to do just that.

You can make some quick cash by switching your bank account to one with a bonus. Some banks are giving away £ 150 for moving your custom, while others offer cashback or high interest. Of course it's worth checking out the other ways such as high overdraft fees. If you are going to be better off, you might be better off switching to lower interest or free overdraft.

What's up in the loft? Or under the bed? You should try to sell it. It's worth seeking specialist advice. Otherwise head to a boot fair or list it online. Just don't forget to factor in costs such as postage or fees. The more tips in our step-by-step guide to selling online below. Just click through the slides.

Did you decide to stop smoking this year? Or was it drinking for a month? No matter what your health benefits are. The average smoker lights up 12 cigarettes a day, adding up to nearly £ 150 in January. £ 100 this month.

The sales are still with the temperature dropping there. Well if you've got some old woollies down the wardrobe, there's a good chance your friends do too. Getting a group of clothes together, getting a new look for free, adding some extra pounds to your purse to save or spend elsewhere.

You can make some quick cash by switching your bank account to one with a bonus. Some banks are giving away £ 150 for moving your custom, while others offer cashback or high interest. Of course it's worth checking out the other ways such as high overdraft fees. If you are going to be better off, you might be better off switching to lower interest or free overdraft.

What's up in the loft? Or under the bed? You should try to sell it. It's worth seeking specialist advice. Otherwise head to a boot fair or list it online. Just don't forget to factor in costs such as postage or fees. The more tips in our step-by-step guide to selling online below. Just click through the slides.

Did you decide to stop smoking this year? Or was it drinking for a month? No matter what your health benefits are. The average smoker lights up 12 cigarettes a day, adding up to nearly £ 150 in January. Having a glass of wine and wine can be used to save £ 100 this month. "


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