Hope Tuesday in 2022

_{By Bromwich+Smith Staff | 687 words | Reading Time: 3 minutes, 26 Seconds | Date: 2022/01/11}

The holidays have ended, bills are rolling in and we are still dealing with a pandemic that impacts all of us in multiple ways. Blue Monday is a term that has been shared since 2005 and it may be looming for you as well. Typically marked the third Monday of January, Blue Monday was actually first launched in 2005 as a marketing scheme by Sky Travel, a holiday company which claimed to have carefully calculated which day was the "most depressing" of the year. Later though, Dr Cliff Arnall, who developed the concept, began to campaign against it and the growing focus on the negative connotations. Instead, he encourages us to look at the positive. “Whether embarking on a new career, meeting new friends, taking up a new hobby or booking a new adventure, January is actually a great time to make those big decisions for the year ahead," Arnall has said. He has also said, “it was never my intention to make the day sound negative”, but rather, “inspire people to take action and make bold life decisions.”

At Bromwich+Smith we did just that in 2020, by creating a new day called Hope Tuesday. With the intent to inspire and empower all of you to conquer your debt and rebuild your worth. We feel hope can have an amazing impact, giving all of us that extra lift to propel us to deal with whatever comes our way. We also know that it can be very difficult to find the energy and strength to face debt but we know that once you take that first step the sky's the limit. Please find a few steps below that we think will help you get started while at the same time give you hope for 2022. 

Steps to help you:

1. Plan to take action. January is here, the credit card bills are coming, open those bills.  Look at your balance, interest rate, minimum payment amount and time to pay off your balance in full so that you can determine what you can pay. Don’t hesitate to utilize our debt calculator as well to determine how much you owe. When you are armed with a plan of action, whatever the situation is, it’s less daunting and more hopeful. 

2. Reach out. No one needs to suffer in silence and alone. The moment we take responsibility to seek out the facts and seek out professional help we are back in control and can start rebuilding, that much faster.  

3. Next holiday season ensure you have a budget.  The greatest gift we can give ourselves is ensuring we are not getting huge credit card bills in the mail.  Although it seems far away if you start getting a budget in place now you can set yourself up for a debt free Christmas. No time like the present to start making a list of the people you will be giving gifts to along with hostess gifts you may need if you will be attending gatherings. Come up with a realistic budget for these expenses, add them all up for a total. Then divide this total by 12 and that will be the amount you will put aside each month until Christmas.  This will help you set yourself up for a more hopeful January.

4. Budgeting overall. Having a budget plan in place is ultimately a goal for all of us. There is joy to be had in budgeting as it helps in ensure you are in control of your finances. 

Hope Tuesday is on Tuesday January 18, 2022 and now more than ever we want you to know that real help is out there. By taking action you can alleviate the anxiety of what may come. Spreading hope with our families, friends and communities can make a huge difference in reminding us we have the support to conquer Blue Monday. 

Remember, we’re here for you. At Bromwich+Smith, we offer an initial free, no obligation, confidential consultation by phone 1-855-884-9243 or video. You can also request a call back at our contact us page. Feeling safe and secure financially not only rebuilds your worth but it ensures that you sustain your personal prosperity and self-confidence.