So today is Blue Monday (not sure if it is everywhere, but certainly is here), Blue Monday is supposed to be the statistically down day in the UK, Christmas is well and truly over, everyone is back to work, the summer is months and months away, lots of people got paid early for Christmas and so have no money left now and to top it all the credit card statements arrive.
So for all those feeling a little blue, here is a little colour, it may not help in any way at all, but it makes me feel a bit brighter.
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