That time of year again

Another very cold day today . 
In my constant battle to boost my serotonin levels I had a bike ride this morning ( out to Culter on the old railway line ) whilst the chief went swimming . We spent most of the rest of the day doing some odds and ends around the house and catching up with the kids . 
As 31/1/2018  is fast approaching I also had a couple of bills to pay ....