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.

Five Back-to-School Shopping Tips that Save Money
Five Back-to-School Shopping Tips that Save Money

January 17, 2026

If you're stressed out about all the supplies you'll need to get for your kids…

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The Season of Giving: How We Will Give Back This Year
The Season of Giving: How We Will Give Back This Year

January 22, 2026

Want to give back but worried about the budget? Try these free ways to give back as a family this holiday season.

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10 Ways to Clean Up Your Finances
10 Ways to Clean Up Your Finances

January 19, 2026

Start the year off right with our 10 favorite money tips, from maxing out your…

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Credit Card Debt Bankruptcy
Should You Consider Filing for Credit Card Debt Bankruptcy?

January 22, 2026

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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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

January 29, 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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When Can You Use a Credit Card Forbearance Program?
Credit Card Forbearance: Your Complete Guide to Pausing Payments in 2025

January 18, 2026

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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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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