Need help organizing your finances in the New Year? Questionland is here to help! We brought in money expert Mindy Crary to answer you questions about what's in (or not in) your bank account.

Mindy Crary founded save-9.com, a financial advice website, and she knows her stuff. She has over 11 years experience and has worked for Ameriprise Financial as a Financial Advisor, Trainer, Consultant and District Sales Manager.

Here are a few examples of what's already been covered:

Q: My finances are a mess. How does one go about seeing a financial planner?

A: Since you are having a hard time making ends meet, I would suggest credit counseling and education . . . they can work with your creditors to modify your terms AND create a program that is within your means:

http://www.myfinancialgoals.org/

American Financial Solutions can give you lots of info on how best to approach your problems.

Financial planner would not have the same weight or access to creditors to help modify your situation, so for now I don't think you should consider seeing one.

Q: Where should I invest money for medium-term savings (the 5 to 10 year range)?

A: I am a big fan of Vanguard, and you might want to consider one of their Life Strategy funds, which manages your money for you in a mix of stocks, bonds and short-term instruments so that your money is not subject to market fluctuation when you're close to the time you need it:

https://personal.vanguard.com/us/funds/vanguard/LifeStrategyList

I also like Vanguard Index Funds, which track a benchmark using index management—so you could choose a bond index and let it sit—but then you'd be at the mercy of that market sector.

Ask Mindy a question now!

(We also have other experts standing by so you can also get great advice about losing weight, quitting smoking, or improving your overall health. Happy New Year!)