3 steps to surviving a financial setback

Book Review: 'The Wall Street Journal Guide to Starting Fresh'

Few things in life signify a fresh start like New Year’s. At the risk of stating the obvious, the concept of a fresh start is the most appealing to those who need it. It’s only when you’ve been struggling, floundering or have been through some trials and tribulations that you even need to start over.

And trials and tribulations are precisely what many of us have been through over the last few years, when it comes to our personal finances.