• Rachael Panteney

Blue Monday Budget Tips

Every year, the third Monday of January is often referred to as “Blue Monday”.

A day that theoretically we would all be feeling the cold, a little broke and guilty for not sticking to resolutions. Our positive vibe might fall by the wayside.

With plenty of resource available to you to support your mental health at this time, we also want to help by giving you a few tips of how you can beat the January blues from our perspective...

Tip 1: Ask for help. Life can seem overwhelming can't it? Asking for help and advice from a loved one can really help to ease the pressure you might be feeling.

Tip 2: Take a break. Whether that's from materialistic social media accounts or from your personal admin and budget spreadsheets. If it is all making you feel anxious and inferior then take a break, go for a walk, be in nature or go and enjoy a digital-free cup of tea!

Tip 3: Accept your situation. Sometimes we have to simply surrender and accept our personal circumstances which in itself can be a weight lifted. We all deserve to aspire and dream, but accepting some reality can help keep us grounded. Now is about being productive, finding a solution to the problem or issue at hand and managing situations and expectations. You've got this!

Tip 4: It's okay to treat yourself. Your wellbeing will thank you for it! I'm not talking new cars and designer handbags here, but small treats that you can really indulge in and that will make you feel good. An online yoga class, a delicious takeaway smoothie, a Netflix binge, a DIY pamper session, a Zoom quiz with friends or listening to laugh-inducing podcasts.

Tip 5: Get on top of your financial future! Not a sales pitch (okay maybe a little) but money is a big cause of depression. Money plays an enormous part in our lives in so many ways and by having your finances, your mortgage, your will, your pension and everything else in order WILL improve your relationship with money every day and give you comfort and positive vibes in the process.

Please get in touch if you are feeling a little blue about your financial future and let us help your 2021 feel a bit brighter.

Contact us or call Rachael on 01323 436680 and book a FREE initial consultation today.

Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

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