Q. I’m accepting a new job out of state. My wife and I will be in this new area for at least two years, and we’re not sure if we should rent or buy a house.

Q.  My wife and I are thinking about selling our home. I was recently let go from the military due to downsizing, and I’ve begun a job in real estate but things are starting slowly. My wife brings home about $3,500 a month as a teacher, and the only debt we have is our house payment of $1,616 a month. I was given a $35,000 severance package, but we need some advice to help bridge the financial gap.

Q. How do cash-back rebates work on electronics and other items?

Q. What are the long-term effects of declaring bankruptcy?

Q. My wife and I go to a small church where we tithe. The church is continually asking for contributions to other charities and causes, and we don’t have the money to give to them all while we’re sticking to our budget and getting out of debt. The worst part is that we get pretty aggressive pushback when we say no. What can we do?

Q. What’s your opinion on rewarding kids with money for getting good grades in school?

Q. My daughter is in her late twenties, and she has a good job making $50,000 a year. The other day, she told me she has $15,000 in credit card debt and has financed an expensive car she’s upside down on. Her apartment costs $600 a month, and she is asking for help to get out of the hole. We tried to teach her how to handle money, but apparently it didn’t work. How do you think I should handle this situation?

Q.I’m 30 and debt-free. Do you think I should stop making contributions to my 401(k) account for a year in order to save up an emergency fund?

Q. I’m following your plan and trying to find different ways to save money. What’s a good way to decide whether or not you need full-coverage insurance on an automobile?

It’s another new year, and that means it’s time for yet another set of resolutions. But if you’re like most Americans, you’ll probably forget your goals by mid-February. So how can you turn your financial resolutions into reality in 2015?