Q: Each year I make a New Year's resolution to tackle my credit card debt. I never seem to get anywhere. Can you help me?
A: A plan to tackle your credit-card debt is a great New Year's resolution. A realistic plan will help you shed the weight of your bad debt and help you get on track again.
Start by listing how much you owe and how much interest you are paying. Then prioritize your obligations; mortgage and vehicle payments are typically at the top of the list.