According to the BBC and Cardiff University next Monday (24th) is the worst day of the year.
The formula for the day of misery reads 1/8W+(D-d) 3/8xTQ MxNA.
Where W is weather, D is debt - minus the money (d) due on January's pay day - and T is the time since Christmas.
Q is the period since the failure to quit a bad habit, M stands for general motivational levels and NA is the need to take action and do something about it.
obviously not discounting the fact that it is also a Monday…eugh!
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