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Published 18:32 17 Jan 2016 GMT
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W is weather, D is debt, d is monthly salary, T is the time passed since Christmas, Q is the time since the failure of an attempt to give something up, M is low motivational level and Na is the need to take action.
The formula was created back in 2005, and has received some negative press since then, with many claiming it was an airline PR stunt to get people to book flights.
Others completely agree that mid-January is the WORST and tomorrow is the day we will feel it most.
Either way, if you look on the bright side, things will only get better after tomorrow.‘I’m a 29-year-old woman and my income would shock my friends if it was made public’
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