Today is unofficially known as the most depressing day of the year. Coined ‘Blue Monday’ 20 years ago by travel industry insiders keen to tempt consumers to book a holiday, the third Monday of January is, for most of us, a point where we’re looking forlornly at bank accounts depleted by the excesses of Christmas and - if we’re lucky - the January sales. Pair that with dark days and cold weather there’s no wonder that this is the Monday morning of the year that hits hardest.