author

Kimberly Rotter

Author

Kimberly Rotter is a financial counselor and consumer credit expert who helps people with average or low incomes discover how to create wealth and opportunities. She’s a veteran writer and editor who has spent more than 30 years creating thousands of hours of educational content in every possible format.

Common Tax-Filing Mistakes
Common Tax-Filing Mistakes and How to Reduce the Chance of Making One

February 9, 2026

Tax returns are often complicated. Learn about some common mistakes—and how to avoid them.

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Money Tips for Recent College Grads: Recession Edition
Financial Advice for New Graduates

February 9, 2026

New college grads face financial challenges. But with these tips, you can stay on-track for financial success.

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Open Enrollment 2021: Does Open Enrollment Matter More this Year?
Open Enrollment 2026: What Is Open Enrollment and Why It Matters

February 16, 2026

Need health insurance coverage or want to change your current plan? Learn how open enrollment impacts your options.

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Open Enrollment 2021: 7 Ways to Save Money on Healthcare Next Year
7 Ways to Save Money on Healthcare

January 28, 2026

Healthcare bills aren't set in stone. Here are seven ways you could reduce your healthcare costs.

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How to rebuild financial confidence after debt relief
How to Rebuild Financial Confidence After Debt Relief

January 24, 2026

Debt relief can get your finances back on track, but you might need a little help to boost your money confidence.

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What to Do if a Debt Collector Calls You for Someone Else's Debt
What to Do if a Debt Collector Calls You for Someone Else's Debt

February 13, 2026

Debt collectors have to follow certain rules. Here’s what to do if you’re contacted for a debt you never racked up.

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FDR blog setupXmsbudget
How to Set Up a Christmas Budget

January 24, 2026

We all like to be generous during the holidays, but you don’t need to overspend.…

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Couple with student debt
Do Student Loans Affect My Credit Score?

January 24, 2026

Student loans could have an impact on your credit score for better and worse. Here’s the scoop.

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Do Credit Card Issuers Have to Tell You When They Close Your Account
Do Credit Card Issuers Have to Tell You When They Close Your Account?

January 29, 2026

Credit card declined? It could be a reader error—or your account could have been closed. Here's how to handle it.

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