If you are like most Americans, you hold some amount of debt. When you look at your seemingly insurmountable debt – be it a mortgage, a school loan, credit card, or all of the above – you may see a deep, dark shadow; kind of like everyone’s favorite groundhog, Punxsutawney Phil. Each year, on February 2, Phil crawls out of his burrow and forecasts the weather by either seeing his shadow and returning to his burrow – signifying six more weeks of winter, or not seeing his shadow – signifying that winter will soon end. And just like Phil, it’s your turn to determine the future: are you going to live in the shadows of your debt, or are you going to take control of your finances and finally see spring?

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