Q: I’m a gay man in my 40s and I have struggled with credit card debt for years. Now that I’m making a decent income, I’m determined to get on a better path going into 2019. Can you please offer me some advice?
A: I’m sure other readers may have similar concerns, and I think it’s great that you’re making a commitment to take some positive steps to improve your situation going into the New Year. Here are some thoughts to get you started.