It’s “Blue Monday”, a day pop psychologist call the most depressing day of the year when holiday shopping bills come. And today, there’s even more sad financial news. A new survey suggests a third of Canadians can’t pay their monthly bills, including debt repayments. It finds the number of Canadians who can’t cover their fixed monthly expenses is up eight points since September. Canadians have less disposable income, with an average of 631-dollars left after paying bills repaying debt. That’s 15 per cent less money left over than in the previous quarter. The survey is by the M-N-P consumer debt index. And if that wasn’t bad enough comes news that Canada’s Real Estate Association expects the market will hit a slow patch this year.The association predicts a 5.3 per cent drop in national sales to around 486,000 units this year, down from its previous estimate of 8,500. Experts say the drop is due to the impact of stricter mortgage stress tests.