Half-way through January and reality is setting in. The memory of the holidays is fading fast and it may seem as if the cost – especially in financial terms – is rising every day. You are looking at life through a dark lens at the moment, so remind yourself that all problems have a solution and putting on your practical boots is the best way forward. Start each day with the task you least fancy and your mood will gradually lighten. The plus factor to these grey influences is that signatures can be placed on paper and a matter that has been hanging on since before Christmas can be closed.

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