Blue Monday? What a load of old bollocks!

Regular readers know I’m not particularly backwards at coming forwards where delivering my opinion on things is concerned, and like a Phoenix rising from the ashes of Aussie Flu I’m here to tell you why the Blue Monday hype is a load of bollocks and how you can turn despair into motivation.

First and foremost, where the be-Jaysus have I been?

Well, it’s no exaggeration to say I’ve had the winter from hell so far. I say so far in the hope the universe doesn’t have anything else up it’s sleeve for me.

The dreaded Man Flu that laid siege to my body in November quickly manifested itself into ear, throat and chest infections. Just as I thought I was on the mend I fell victim to the Aussie Flu, strewth, that shit was pure evil in microbe form – I will never cry over having a cold again as long as I live.

I spent my only day out of bed for the entire festive season at my mum’s on Christmas Day, where I sat silently in my own misery looking like a sweating turd rolled in glitter.

After gingerly edging my way back into working life last week, I’m happy to report I’m feeling much better and Blue Monday represents the perfect chance to get back in the saddle and show you how to instil some great financial habits now the unrealistic ‘New Year New Me’ bull shizzle has peaked.

Why Blue Monday is a load of bollocks

Blue Monday was the brain child of Sky Travel back in 2005, who came up with the formula that is now, for some reason, seen as gospel by many.

Ask any scientist worth their salt and they’ll promptly tell you it’s utter rubbish.

Now, a lot of Blue Monday’s woes is based on the ‘fact’ that credit card bills start to drop on the mat around the third Monday of the month – wow this shit is mind blowing isn’t it? 

Let’s face it, anyone worrying about paying for things on tick are worried from the minute the purchase is made. As good as any plan is, Christmas and New Year can easily and quickly fuck it up, we’ve all fell victim to it at some point in our lives.

So, call me cynical, but I’m not 100% convinced the third Monday in January is any more depressing than any other Monday. I see it as more of an opportunity to start instilling good habits into my daily routine once all the unrealistic mega changes are already a distant memory.

Make small manageable changes starting with skimming your bank account

If you start the year boldly proclaiming you’re going to pay off any existing debt, save £10k for a house deposit, lose nine stone and achieve worldwide peace, you’re doomed to failure.

Now the ‘New Year New Me’ crap has fizzled out, Blue Monday is as good a time as any to make some realistic changes.

Working one good habit a month into your routine over the course of the year will mean you have twelve new shiny good habits by the time we’re discussing this shiz again next year!

Financially, the first new habit I always preach about is skimming your bank account. It’s a really easy saving technique that allows you to save small, manageable chunks of money without you missing it.

Saving a large monthly sum can be really daunting if you have debts, high outgoings or you’re a low income earner. Busting your balls into a saving mission impossible isn’t going to get you anywhere and this method is perfect in the respect anyone can do it.

How does skimming work?

Set up a savings account if you don’t already have one.

Use your debit card to pay for anything you need to buy throughout your day.

At the end of the day, log into your internet banking and check your balance and round it down to the nearest £1.

So for instance, let’s say your balance is £951.34.

You would round that sum down to £951.00 to make a nice even number, and transfer the 34p into your savings account.

Some accounts will not allow you to transfer under a pound, if that is the case with your bank account round down to the nearest 5 or £10, so £950.00 in this example.

I can’t afford to skim my bank account daily

No problem!

That’s the beauty of skimming your bank account, you can do it as often as you like, unlike traditional 52 week saving challenges.

Start small and see how you get on, if you notice you can manage more crank it up and skim more frequently.

Final word

OK ,off you go, get saving for 2018 and let me hear no more about this Blue Monday bollocks.

You got this people!!!

Thinking Thrifty
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Thinking Thrifty

David Jack Taylor is the founder and editor of the Thinking Thrifty blog. An award winning personal finance and lifestyle blogger, he shows how it is possible to live extremely well for less.
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3 thoughts on “Blue Monday? What a load of old bollocks!

  1. OK, I’m from Arkansas which is a small third world tribal chiefdom located in the deep south of the USA. We don’t get out much but since we tend to marry close relatives we really don’t need to. I do have an Austrailian friend though who I used to ski with and he always called me a “Big Girl’s Blouse”, which was the height of Aussie compliments, he assured me. But I am stumped by what a bollock is and even more so what an old bollock is or why someone would have a load of the old ones? Please enlighten me and try to only use small words as I am, after all, from Arkansas.
    Steveark recently posted…The Unbearable Lightness of Being….early retiredMy Profile

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