Today is officially Blue Monday, the day of the year classified as the most depressing in our Scottish calendar.
There are many factors that are used to calculate this. This includes our lack of daylight hours, dreich winter weather, failure to keep up with our new year’s resolutions beyond Hogmanay and for most people the longest payment window between and our December and January paydays.
It’s today on Blue Monday that the realisation of our excessive Christmas spending sprees comes home to roost. Sadly, on occasion, this manifests itself into deeper mental health issues including suicidal thoughts amongst others. People with unaffordable debts being a group of people more at risk.
Beat Blue Monday
If you do something about your debts today, you can stop worrying about them tomorrow.
At Trust Deed Scotland, we’ve helped over 25,000 people and many of those people didn’t know where to get help or considered that their own debts were too severe to get help with.
As over 3,000 independent Trust Deed Scotland reviews can testify, many people in this situation commented that ‘they wish that they had sought help sooner.’
Trust Deed Scotland firmly believes that no one is beyond help and in fact, many individuals we’ve helped have had a £15,000 debt total or more. Often, we’ve helped people who have had a total debt of over £100k debt and those individuals have gone on to enjoy a life after debt, in 48 months.
Trust Deed Scotland is today preparing itself for a higher number of incoming calls than usual from people in debt who may have ran up credit card and store card debts among others. High street stores and online retailers offering credit on Buy Now, Pay Later repayment schemes further adding to individual’s debt totals post-Christmas.
Trust Deed Scotland’s Amanda Hendry advised: “At this time of year, it’s not uncommon for people to use short term measures such as payday loans and pawnbroking companies to get them through to the end of the month.
Sometimes those individuals may not have what we describe as unmanageable debts and can budget their way to healthier finances. However, where this is simply not the case and its beyond their ability to get their finances back on track, we urge them to seek advice immediately”
Blue Monday Debt Help
Together, we can beat Blue Monday. You will not be alone, many other will be taking their first steps towards a life after debt today, and throughout the rest of the year.
Speak to a qualified debt expert now on 0141 221 0999, or try our Trust Deed Calculator and find out if you qualify for a Trust Deed.