Rubina-Ahmed Haq is a personal finance expert.

Blue Monday - paying down debt and not letting your finances bring you down

The Exchange with Matt Gurney delves beyond the headlines to deliver a fresh perspective on the day's top stories and more. Matt brings his sharp wit and analysis Monday to Friday.

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The Exchange with Matt Gurney delves beyond the headlines to deliver a fresh perspective on the day's top stories and more. Matt brings his sharp wit and analysis Monday to Friday.

The Exchange with&nbsp;Matt&nbsp;Gurney&nbsp;delves&nbsp;beyond&nbsp;the headlines to&nbsp;deliver&nbsp;a fresh perspective on&nbsp;the day's&nbsp;top&nbsp;stories and more. Matt&nbsp;brings&nbsp;his&nbsp;sharp&nbsp;wit and analysis Monday to Friday.

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Blue Monday - paying down debt and not letting your finances bring you down

Blue Monday - paying down debt and not letting your finances bring you down