By Ben Lou Q: It is a new year.  My husband and I would like to be debt free of our $10K credit card debt by the next new year.  What tips can you give us? A: That is one of the best things I have heard all year long.  Being debt free is a good goal especially if you have big plans for your family’s future.  Also, this is a good starting point in setting new goals so that your future can be more stress free.  As you very well know, being debt free is a work in progress ...