Groundhog Day

Groundhog Groundhog Day

Ah, the day has arrived. The day where we look to the rodents to do what the meteorologists can’t seem to get right!


According to, for America, this tradition dates clear back to 1841.  An entry was found in a storekeeper’s diary.  “Last Tuesday, the 2nd, was Candlemas day, the day on which, according to the Germans, the Groundhog peeps out of his winter quarters and if he sees his shadow he pops back for another six weeks nap, but if the day be cloudy he remains out, as the weather is to be moderate.”


Well, we got some bad news this morning.  We get 6 more weeks of winter!  I, for one, was certainly not amused when I heard the official prediction this morning.  I despise the cold weather, but I love living in Ohio.  So… I guess it’s the price I have to pay.


Perhaps you feel more like Bill Murray in the hit comedy Groundhog Day where he’s caught in an endless cycle and repeats the same day over and over again…  I know I’ve personally felt that way many times on the road to overcoming the debt trap.

  • The bills keep coming.
  • The paychecks never seem to be enough.
  • The bank account is empty.
  • We desperately need a vacation.

Yet, every morning, the alarm clock goes off and we drag ourselves out of bed to do it all over again.


No, I’m not talking about the weather here.  But, I started thinking about the meaning behind this day and how it could apply to the financial aspect of our lives.  We need to be setting financial goals.  If we aren’t setting goals we can quickly fall behind in our journey to become debt free.  It’s important to not only make goals but to write them down as well.  Keep them in a place where you can see them.  Keep them with your budget.  Look at them regularly.  If we start to fall behind on reaching our goals we need to step up our game.

Sit back and think about your short-term, mid-term, and long-term goals.  Maybe, Punxsutawney is on to something he never even realized!


These should be somewhat easy to hit.  Keep them simple and somewhat easy to reach, but not too easy.  Remember, the longer you stay in the battle the harder it is to stay motivated and see it through to the end.  So, whatever these short-term goals are.  Blow them out of the water!


This should be the sweet spot in your planning.  What all could you pay off in a 6 month period?

  • 6 small credit cards?
  • 6 collections?
  • 6 medical bills?
  • 600 extra dollars put towards that student loan?

You get the idea.  No, you don’t have to stick with the “6” idea but it’s not a bad goal to shoot for.  Think about it, if you did something significant each month to help you reach your goals you will have some very strong momentum going into your next 6 months!  Have fun with it, but push yourself.  Think about what all you could accomplish in 6 months if you remained focused.


This is your dream stage!!!  Hopefully, by this point, all of the regular debt is paid off.  By regular debt, I mean the credit cards, collections, car loans, medical bills, etc.  You may still be working on those pesky student loans and obviously the mortgage, but most of the shackles should be shattered by this stage in your battle!  So this is where you can breathe and even have a little fun.

  • Where do you see yourself in 6 years?
  • What dreams are you working towards?
  • What does that vacation look like now that you can actually afford it?
  • What causes or charities are you helping support?
  • Where are you working?
  • How is your own business performing?

One of the first discussion threads that you will be asked to be a part of when you join the wealthy affiliate community is to help you set a couple of goals for yourself.  It kicks off by asking 2 questions:

  • How much money would you be happy making?
  • How much money would you be ecstatic making?

That discussion thread started to change my life and the way I looked at my job, my income, and my overall finances.  I had never really thought about it before.  At least, not in the context of actually making it happen.  We always sit back and say things like, “If I had a million dollars I would…”  Well, as I learned from John C. Maxwell, the question shouldn’t be “What would or could I do with a million dollars?”  The question is,  “What do I need to do to GET a million dollars?”  Then you can decide what to do with it.

Obviously, most of us are not happy with our current income situation.  So, those questions really make you start to think.  Once you start thinking about your own answer to those questions, you then start to think about what steps you need to take so that you can make it your reality!

The question isn’t what WOULD I or COULD I do with a million dollars…

The question is what do I NEED TO DO to GET a million dollars?

 The bottom line for all of us is to set both some realistic and non-realistic goals.  If you only set easy and realistic goals for yourself all the time you never learn to push and you never take any risk to do or become something great.  Set some non-realistic goals for yourself!  You will be amazed on how far you can push yourself if you know what you are aiming for.

If you haven’t set some goals yet, today is a great day to refocus and plan.  Maybe time to sign up for some overtime at work.  Maybe time to hit up some online surveys (check out Swagbucks, I can usually make an extra hundred bucks a month in PayPal gift cards easily by just taking some online surveys in my spare time).  Or maybe it’s time to think about starting your very own online business for some supplemental income and start building your own dreams (Check out my review here).  Either way, it’s time to take our plans into the battle zone and jump on the offensive!

What are your predictions for your Groundhog Day?  What are your 6-week, 6-month, and 6-year goals?  Leave them in the comments below.

6 thoughts on “Groundhog Day

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