Q. One of my New Year’s resolutions is to get all my money together. I am married. I make $90,000 a year and my husband makes $95,000 with a bonus of $10,000. We all have life insurance through work that doubles our salary. How much additional insurance do we need and what type? Money is tight and we have credit cards that we are paying off so we have to be careful about how much we spend.
A. The beginning of the new year is a great time to check your finances.