Yesterday was officially Blue Monday, not a celebration of the fabulous New Order song, but the most miserable day of the year. Blue Monday is the day when the money runs out, after getting paid earlier in December, we now find ourselves struggling to make it last all through January, and we have all those Christmas toys that are now being paid for as the credit card bills start to hit the door mat. Yes it is certainly not a day for smiles and laughter. But if money is what is making you blue, there are ways to save and to make a little extra this month. Here are a…