How To Avoid Your Monday Morning Blues…

Financial Coach Rachel Rowley
Financial Coach Rachel Rowley tells us how to avoid the monday Blues…

How To Avoid Your Monday Morning Blues…

Most people who make resolutions end up giving up on them after a month so why not use this time to show some real ambition and make 2021 a life changing year instead?

The third Monday of January has been awarded the most gloomy and depressing day of the year. Whether it’s a combination of the post-Christmas blues, short days, cold dark nights, the unfulfilled new year resolutions, the too long to wait until the January pay day or the expectation of the christmas heavyweight credit card bills – who knows!

Don’t let your financial worries be the reason this Monday is the reason you’re gloomy and blue…

Apparently, a university professor managed to precisely calculate the most depressing day of the year, using the following formula:

Financial Coach

Where weather=W, debt=d, time since Christmas=T, time since failing our new year’s resolutions=Q, low motivation levels=M and the feeling of a need to take action=Na. ‘D’ is not defined in the release, nor are units.
Supposedly the date was calculated by using many varied elements, including: weather conditions, debt level, time elapsed since Christmas, time since failing our new year’s resolutions, low motivational levels and feeling of a need to take action.
Others claim it was a brilliant PR stunt by Sky Travel – either way it’s here to stay – Monday 15th January 2021 – Blue Monday – The most depressing day of the year! It doesn’t have to be..

What can you do about Blue Monday?

First and foremost do you have a financial plan? Do you want to take control of the situation and your mood, or be a victim to the common assumption that it’s going to be your most depressing day? How can you reframe that financial reality?

Unplug for the weekend

If possible, try to avoid checking work email or voicemail over the weekend, especially if you’re not going to respond until Monday anyway. When you leave the office on Friday, leave your office problems there and focus on enjoying your time off. Sometimes going back to work on Monday feels especially frustrating because you let it creep into your off-time, and so it never even feels like you had a weekend at all.
Extend this to your finances and unplug your cards! Put a freeze on them and save yourself from that impulse purchase and the short lived feel good hit

Dry January?

If you want to avoid the Monday morning blues have you thought about not drinking alcohol on Sunday evenings? Or go one step further and give up totally for January. You may be thinking about Blue Monday, but it’s only the 18th – it’s just over half way through the month.

Check out the Dry January website

They claim that those who do abstain from alcohol for the month of January experience:

Financial Coach

Focus on being one of those 79% and save some money.


Get enough sleep and wake up early. 

Go to bed a little early on Sunday night (it’s always by 10pm on a Sunday for me) and be sure to get enough sleep so that you wake up feeling revived and well-rested. It’s not rocket science, it just makes sense and it’s good planning.

Although it might seem counterintuitive, waking up an extra 15 to 30 minutes early on Monday morning can actually make going back to your business or office so much easier.

Dress for success

Go through your wardrobe and choose something that hasn’t seen the light of day for a while! Dress up, perk up and show up ready to be positive and help others be positive. Do something as simple as put in your favourite outfit, your best pair of shoes, pay a little more attention to how you present yourself on a Monday!

Feeling good about yourself is half of the battle on Monday mornings, because rather than being deflated by work you want to face it with confidence.

Be positive

Start the week out with an “attitude of gratitude,” and buck the trend. Take some time, any time to recognise and appreciate the things that you enjoy about work. Try a graititude journal – if you’re unsure what on earth I’m talking about or you want to understand the benfits check out this blog >>

Make someone else happy

We know from research in positive psychology that one of the best ways to cheer yourself up is to make someone else happy. You might compliment a friend, a co-worker, or a complete stranger, so do something nice for someone – find some other way to make someone else’s day a little better.

Make a promise to do something nice for the first person you see on a Monday morning. Paying it forward just makes great sense, it can bring great results, and it will make you happier and put a smile on your face!

Keep your Monday a light touch 

You know that your Mondays are usually a busy day, so a common sense approach is to keep your Monday schedule as clear as possible. Use the time for business development, or thinking and planning time  – don’t call it admin – everyone hates admin!

Replan and restructure your week and when you’re planning meetings ahead, try to schedule them for the rest of the week (avoiding Friday afternoons). This will help you to ease yourself into your week and avoid the potential Monday blues.

Plan to have fun at work and plan to do something fun after work

Plan to do something that you enjoy on Mondays. Plan an event with friends to help lift you up and that you’ll look forward to, a call, a zoom call or maybe a quiz. Connect with like minded people and lift your spirit. Reframe what and how you think about Mondays.


Taking control and planning out your finances will help your mood. Once you know what the situation is it helps. So open those emails, open those envelopes and check what the situation is. 

You can always take it one step further and do my  21 Day Financial Detox – you can find out more about it here

Time to take action?

If you need someone who knows what to do, won’t judge you, and will ask those difficult questions and help you fix the problem – then please email me and let’s chat – email me now!

Let me help you Master Your Money and Live the Life you Deserve!

📣 Fancy a Financial Chat?

Simply click below to schedule your consultation, and let’s get started on transforming your financial future!