10 ways to stay positive throughout January

January can be a difficult month for many of us, not only dealing with the darker days and the colder weather, but struggling with finances after the expense of Christmas. I think all of us can relate to December being an expensive month, I know that we are feeling the pinch throughout January!

A recent study of millennials, by Ferratum UK, reveals key information about how they spend and borrow money at Christmas with a whopping 41% admitting they were worried about not having enough money to pay for Christmas 2017. 27% of people asked said they were planning to borrow money to pay for Christmas and 48% have had to borrow money to afford previous Christmas’s.

I found it interesting to read that 1 in 4 people would cancel Christmas this year to clear their debt and yet 37% would borrow money to avoid missing an event they really wanted to go to.

Ferratum’s UK Country Manager, Tony Gundersen, commented on the results saying:

“The survey shows that Christmas can be a tough time for millennials to manage their finances. With nearly half of the survey respondents having borrowed money to fund their past Christmases, it’s important for those feeling the pinch to remember to scale back their spending if necessary and concentrate on essential bills and expenses.

With 42% of millennials hiding debt from their loved ones, and a quarter willing to cancel Christmas to clear their debts, it’s clear that more could be done to encourage opening up the discussion around finances. Our survey respondents could benefit from the knowledge and support of their family and friends, if they only reach out and ask for help.”

I found the results quite surprising and yet given these results it’s no wonder that so many people succumb to the January blues. For that reason I asked a group of bloggers for their tips to save money during January and the ways in which they stay positive.

1. Write a list of places which are free or really cheap, so when you have a really rough month you can still plan and enjoy places with your family. – Jaymee. 

2. Treat yourself. It doesn’t have to be anything big but maybe paint your nails, buy a new lipstick or have a posh bottle of wine. They all help! – Beth. 

3. Go to for a walk every day! There are plenty of health benefits and the fresh air will keep you motivated and positive. – Polly. 

4. Having an EBay frenzy really focuses me and cheers me up. Getting a bit of extra cash for bits and bobs we don’t need and more, plus clearing some space in the house is such a positive feeling. I try to hoard the money away in a little savings account towards a holiday or family break. Saving is great for focusing too. – Vikki. 

5. Stay away from the sales unless you need something specific. It’s easy to see a discount and think it’s a good deal, it isn’t unless you originally needed it! – Ayse. 

6.  Try keeping a budget diary in 2018, recording all income and expenses. Like a food diary, the thought of writing it down in a book actually makes you really think whether you need it rather than just spending on unnecessary rubbish! – Lucy. 

7.  I plan things to do in the coming months, I find having something to look forward to helps me get through January when money is tight, it’s cold and dark. – Laura. 

8. Make sure you have things to look forward to, and don’t bother with New Years resolutions, they only make January more depressing! Make goals for the year instead, and find new activities to at the weekends. – Sabrina.

9. We write a bucket list for the year. It can be little things, like a picnic by the river, or big things like plan a weekend away. It gives us an idea of what we have to look forward to – but also helps us see what we need to save for. – Kim.

10. It’s easy to be despondent in January, especially if you think that last year ‘was a rubbish year’. I took some time out to review my photos on my phone that I took in each month last year: not only did it help reduce my storage on my phone (win!), but it was like a virtual memory jar of all of the good things we had done. – Jodie. 

I love all of these ideas and I will definitely be taking them on board to make sure that our January is a happy one!


** This is a collaborative post **




  1. January 16, 2018 / 2:08 pm

    Really great tips, especially going for walks. I swear by walks nowadays – they’re the perfect way to clear your head and lift your spirits!

    • Laura Dove
      January 16, 2018 / 5:14 pm

      I agree, there’s nothing better than fresh air! xx

  2. January 16, 2018 / 9:11 pm

    These are some great ideas, I have to admit I’ve not sales shopped this year at all and I haven’t missed it one bit, which in some ways really surprised me.

    • Laura Dove
      January 17, 2018 / 6:22 pm

      Me too! I only ever end up making impulse buys anyway! xx

  3. January 16, 2018 / 10:30 pm

    These are some brilliant ideas! I love to go for walks every day and treating myself every now and again

    • Laura Dove
      January 17, 2018 / 6:21 pm

      Me too, its important to spoil ourselves sometimes! xx

  4. January 17, 2018 / 5:41 am

    So many wise tips! Sometimes it’s easy to forget just how many free or inexpensive things there are to do. This is going to sound dorky, but my husband and I love to go to the library and spend a few hours reading magazines. It’s quiet, peaceful, and then he takes me for a hot chocolate after. Best date ever. x

    • Laura Dove
      January 17, 2018 / 6:19 pm

      Oh that’s so lovely! I love the library too, and of course a hot chocolate. It sounds like my idea of fun! xx

  5. January 17, 2018 / 10:10 am

    I have been having massive clear outs recently and I have a whole pile of stuff ready to go onto Ebay x

    • Laura Dove
      January 17, 2018 / 6:15 pm

      Yes me too! It feels good to have a clear out! xx

  6. January 17, 2018 / 12:55 pm

    This is such a great list to follow when you are lost for thoughts on what to do in January. Making a list is the key I feel to doing everything you want to do and still not be bored.

    • Laura Dove
      January 17, 2018 / 5:49 pm

      I agree, making lists is always productive and helps to streamline your thoughts! xx

  7. January 17, 2018 / 2:32 pm

    January can be a really tricky month but there’s some great tips here for helping to banish any blues! I definitely agree that getting fresh air and heading out for walks can help.

    • Laura Dove
      January 17, 2018 / 5:46 pm

      I think we are all a little tired from the madness of Christmas aren’t we? It’s always good to get outdoors. xx

  8. January 17, 2018 / 4:26 pm

    Some great ideas here. I am a big advocat of getting outside for fresh air as it always makes me feel better

    • Laura Dove
      January 17, 2018 / 5:40 pm

      Me too, and it’s great for the vitamin D! xx

  9. Joanna
    January 17, 2018 / 6:06 pm

    Indeed January is a hard month, especially after all those expenses of the winter holiday. I shall turn towards Ebay as well, I am decluttering my house this weekend and I have so many things that I could sell as I am not using.

  10. January 17, 2018 / 8:12 pm

    Fab post!! Some great feel good ways to keep that smile on your face without feeling the strain! Thanks for sharing the tips!! xx

    • Laura Dove
      January 18, 2018 / 9:10 pm

      Thank you! xx

  11. Sarah Ann
    January 17, 2018 / 10:32 pm

    Love these tips, especially ensuring you have things to look forward to, however small they are. I think that’s really important and helps keep you going through those difficult times.

    • Laura Dove
      January 18, 2018 / 9:05 pm

      Yes I agree, we try to plan ahead for the spring! xx

  12. hannah
    January 18, 2018 / 12:07 am

    January is so depressing. I really do agree with you about treating yourself as it is really important to

    • Laura Dove
      January 18, 2018 / 9:05 pm

      Yes I feel it too, Im ready for some sun now! xx

  13. January 18, 2018 / 1:40 am

    Thank you for this post because it’s so needed post Christmas celebration. Now it’s time to budget and be smart about our finances.

    • Laura Dove
      January 18, 2018 / 9:04 pm

      Yes I agree, it’s easier to budget in January I find as I lack motivation to spend money! xx

  14. January 18, 2018 / 7:57 am

    I love these tips and I go walking every day and love it. I live by the sea now and live where I don’t need a car to get anywhere so I find myself walking miles. It can clear my mind and just healthy ?

    • Laura Dove
      January 18, 2018 / 8:59 pm

      I would love to live by the sea, I find it so calming! xx

  15. January 18, 2018 / 1:48 pm

    I so need an ebay frenzy! We are on a proper hardcore budget at the moment but weirdly it’s making me feel really positive and like I’m finally get on top of things. I hope I continue feeling this way! Thank you for the tips.

    • Laura Dove
      January 18, 2018 / 8:57 pm

      Yes I think having a budget can be really motivating! Good luck! xx

  16. January 18, 2018 / 3:17 pm

    This is some really great advice, I love the idea of an eBay frenzy, especially after Christmas to de-clutter the house 🙂

    • Laura Dove
      January 18, 2018 / 8:55 pm

      Oh me too, I just need to summon up the energy! xx

  17. January 20, 2018 / 12:11 pm

    This is a great list with some great ideas I think we all need a gentle reminder at this time of year of the importance of staying positive

    • Laura Dove
      January 21, 2018 / 11:38 am

      I agree, its hard to be positive in the darkest, coldest month of the year, so we have to make a real effort!xx

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