A Dr. at Cardiff University has created a scientific formula to prove that January 24th will be the worst day of the year.
The formula for the day of misery reads 1/8W+(D-d) 3/8xTQ MxNA.
Where W is weather, D is debt - minus the money (d) due on January's pay day - and T is the time since Christmas.
Q is the period since the failure to quit a bad habit, M stands for general motivational levels and NA is the need to take action and do something about it.
Well I could have told him that without this fancy formula. January 24 is the day after my 30th birthday. It's all downhill from there. ;)