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CHRISTMAS is nearly here, but hot on its heels is what seems to be the year’s, longest, most miserable month: January.

The UK endures some of the dimmest winter light in Europe, says travel company First Choice, with just 41 to 62 hours of sun in the WHOLE of January, equating to only between 90 minutes and two hours a day.

So there couldn’t be a better month to escape abroad.

Lisa Minot suggests sunny escapes that will boost your mood without hurting your bank balance.

CYPRUS

You’ll get three times more sunshine on this sun-drenched island that enjoys 3,4000 hours of blue skies a year.

Temperatures in January are still a very acceptable 18C to 20C and the sun shines an average of five to six hours a day.

WAIL OF A TIME

I drove Irish Route 66 with deserted golden beaches and pirate-like islands

SNOW SLOPES

I went to the all-inclusive ski resort with 300 days of sunshine

Get your fix with a cheeky short stay at the 4* Louis Phaethon Beach right on the seafront near Paphos.

The hotel has two fabulous pools and three restaurants.

Four nights’ all-inclusive is from £337pp including flights from Manchester on January 14.

Check out firstchoice.co.uk.

LANZAROTE

Laze the day away beside your own sparkling private pool at the Rubi Mar village near Playa Blanca.

Here in the Canary Islands, you can expect six to seven hours of sunshine a day in January, with temperatures a balmy 20C or 21C.

The three-bed villa sits in lovely grounds and is within walking distance of a shop and restaurant.

Seven nights’ self-catering is from £240pp, based on six sharing and including flights from Gatwick on January 8.

See solmarvillas.com.

FLORIDA & CARIBBEAN CRUISE

This is the ultimate holiday for sun-seekers.

An incredible 15-night deal twins an Orlando stay with the chance to cruise the sun-soaked islands of the Caribbean.

Expect temperatures in the high twenties throughout, and seven to nine hours of sunshine.

This trip of a lifetime includes a five-night stay in Orlando, with a ticket to the new Epic Universe theme park as well as a seven-night full-board Caribbean cruise aboard the new Star Princess with ports of call in Turks and Caicos and the Dominican Republic.

And that’s not all — there’s also a two-night stay in Miami included as well a tour of the Everglades.

The price, £1,699, includes return flights from London on January 12 and dedicated transfers throughout.

To book, go to cruise.co.uk or call 0870 990 8824.

MOROCCO

Soak up Moroccan sunshine in magical Marrakech as you visit the bustling souks then enjoy a dip in the rooftop plunge pool at your traditional riad hotel.

Temperatures are 18C to 20C in January and you can expect seven hours of sunshine a day.

This Travelbag deal includes seven nights’ B&B at the boutique Riad Vert, in the heart of the old town and a ten-minute stroll from the souks.

Prices from £649pp include flights from Gatwick on January 11 and private transfers. See travelbag.co.uk or call 0203 944 3694.

THAILAND

It’s a little farther to fly but you’ll be rewarded by sizzling temperatures from 28C to 32C and nine hours of sunshine a day if you head to the tropical paradise of Hua Hin this January.

The 3* Ibis Hua Hin hotel is just a five-minute stroll from a sandy shore and has an outdoor pool and great restaurant.

It’s also close to the Cicada Market and Vana Nava Water Jungle.

Seven nights’ room-only is from £760pp including flights from Stansted On January 20.

Check out onthebeach.co.uk.

EGYPT

The Red Sea resort of Hurghada promises guaranteed sun in January, with eight to ten hours of clear skies a day and temperatures ranging from 19C to 22C.

The 4* Sea Star Beau Rivage hotel sits right on its own sandy beach and features two huge pools set in palm-lined gardens.

The spa and hammam on site is perfect for pampering too.

Seven nights’ all-inclusive is from £378pp including flights from Gatwick on January 21.

Check out travelsupermarket.com.

MADEIRA

Enjoy sub-tropical temperatures and abundant nature on this stunning island in the Atlantic.

Expect daily temperatures of around 19C in January, and five or six hours of sunshine a day.

The 3* Mathu Raga Madeira Hotel is just a short stroll from Funchal’s popular Lido promenade.

The hotel’s pool is heated in winter and while the Mathu Raga has a lovely buffet restaurant, the delights of the town’s many restaurants and bars are within easy walking distance.

Seven nights’ room-only is from £439pp including flights from Birmingham on January 26, 22kg luggage and transfers.

To book, see jet2holidays.com.

FUERTEVENTURA

Treat yourself on this lovely Canary Island with average daytime highs of 20C and six to seven hours of sunshine.

The 4* Occidental Jandia Playa hotel has panoramic seaside views as well as two beautiful pools to lounge beside.

A ten-minute walk from Jandia Beach there’s also two restaurants, four bars and evening entertainment to keep you busy.

Seven nights’ half-board is from £600pp including flights from Stansted on January 16, 20kg hold luggage and transfers.

See tui.co.uk.

NEW YORK — For one Wisconsin couple, the loss of government-sponsored health subsidies next year means choosing a lower-quality insurance plan with a higher deductible. For a Michigan family, it means going without insurance altogether.

For a single mom in Nevada, the spiking costs mean fewer Christmas gifts this year. She is stretching her budget already while she waits to see if the Republican-led Congress will act.

Less than three weeks remain until the expiration of COVID-era enhanced tax credits that have helped millions of Americans pay their monthly fees for Affordable Care Act coverage for the last four years.

The Senate on Thursday rejected two proposals to address the problem, and an emerging healthcare package from House Republicans does not include an extension, all but guaranteeing that many Americans will see much higher insurance costs in 2026.

Here are a few of their stories.

Spending more for less

Chad Bruns comes from a family of savers. That came in handy when the 58-year-old military veteran had to leave his firefighting career early because of arm and back injuries incurred on the job.

He and his wife, Kelley, 60, both retirees, cut their own firewood to reduce their electricity costs in their home in Sawyer County, Wis. They rarely eat out and say they buy groceries only when they are on sale.

But to the extent that they have always been frugal, they will be forced to be even more so now, Bruns said. That is because their coverage under the health law enacted under former President Obama is, because of congressional inaction, getting more expensive — and for worse coverage.

This year, the Brunses were paying $2 per month for a top-tier gold-level plan with less than a $4,000 deductible. Their income was low enough to help them qualify for a lot of financial assistance.

But in 2026, that same plan is rising to an unattainable $1,600 per month, forcing them to downgrade to a bronze plan with a $15,000 deductible.

Kelley Bruns said she is concerned that if something happens to their health in the next year, they could go bankrupt. While their monthly fees are low at about $25, their new out-of-pocket maximum at $21,000 amounts to nearly half their joint income.

“We have to pray that we don’t have to have surgery or don’t have to have some medical procedure done that we’re not aware of,” she said. “It would be very devastating.”

Forgoing insurance

Dave Roof’s family of four has been on ACA insurance since the program started in 2014. Back then, the accessibility of insurance on the marketplace helped him feel comfortable taking the leap to start a small music production and performance company in his hometown of Grand Blanc, Mich. His wife, Kristin, is also self-employed as a top seller on Etsy.

Their coverage has worked for them so far, even when emergencies come up, such as an ATV accident their 21-year-old daughter had last year.

But now, with the expiration of Obamacare subsidies that kept their premiums down, the 53-year-old Roof said their $500-per-month insurance plan is jumping to at least $700 a month, along with spiking deductibles and out-of-pocket costs.

With their joint income of about $75,000 a year, that increase is not manageable, he said. So, they are planning to go without health insurance next year, paying cash for prescriptions, checkups and anything else that arises.

Roof said his family is already living cheaply and has not taken a vacation together since 2021. As it is, they do not save money or add it to their retirement accounts. So even though forgoing insurance is stressful, it is what they must do.

“The fear and anxiety that it’s going to put on my wife and I is really hard to measure,” Roof said. “But we can’t pay for what we can’t pay for.”

Single mom’s straining budget

If you ask Katelin Provost, the American middle class has gone from experiencing a squeeze to a “full suffocation.”

The 37-year-old social worker in Henderson, Nev., counts herself in that category. As a single mom, she already keeps a tight budget to cover housing, groceries and daycare for her 4-year-old daughter.

Next year, that is going to be even tougher.

The monthly fee on her plan is going up from $85 to nearly $750. She decided she is going to pay that higher cost for January and reevaluate afterward, depending on whether lawmakers extend the subsidies, which as of now appears unlikely. She hopes they will.

If Congress does not act, she will drop herself off the health insurance and keep it only for her daughter because she cannot afford the higher fee for the two of them over the long term.

The strain of one month alone is enough to have an impact.

“I’m going to have to reprioritize the next couple of months to rebalance that budget,” Provost said. “Christmas will be much smaller.”

Swenson writes for the Associated Press.