Dear Dave, I’ve been struggling financially for the past few months, so I’ve been playing the lottery once a week. To me, the chance to win millions is worth a few dollars a month, even if things are tight. Paula   Dear Paula, You’ve told me you’re having money troubles, and at the same time…

We all love a good New Year’s celebration, but with it comes the reminder of goals, responsibilities, and resolutions for the upcoming year. And if you’re like most people, somewhere in the middle of all your resolutions is money—as in, the desire to manage it better.