So, have you broken all your New Year's resolutions yet?
Okay, let's do a quick check list to see where we stand, shall we?
Christmas tree stripped and disposed of? Check. Decorations put back in that box in the attic? Check. All the mountains of wasteful wrapping paper finally discarded? Check. That horrible, sinking feeling when you made the mistake of checking your account to see how much damage you've done to your finances? Oh, check, check and check again.
That feeling of rage and regret when you realise you blew half your salary on a present for that special someone who has been secretly shagging your best mate behind your back for most of year? Che... actually, that one may be a bit too specific for some.