It has felt like the longest January ever, didn’t it! But congratulations - you’ve made it to the end of the month! January is always hard for people paid monthly, as it’s an extra week or two till payday if you’ve had an early December pay-packet. Freelancers and small businesses struggle to get clients to cough up while desperately filing tax returns. Add to that Christmas spending and the all-round appalling weather and most of us are barely crawling over the line when payday comes around.