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.

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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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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10 Warning Signs of Financial Trouble
Warning Signs of Financial Trouble

January 24, 2026

Are you headed toward financial trouble? Read on to be aware and stop the bleeding.

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Why is my credit score different on different sites
Why is My Credit Score Different on Different Sites?

February 9, 2026

Your credit score can vary depending on the time and source. Here's why they're different and which scores matter.

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Reducing Expenses During a Sudden Financial Hardship
Reducing Expenses During a Sudden Financial Hardship

January 19, 2026

Struggling to keep up with your debt payments? A financial hardship assistance program could be just what you need.

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Can't pay rent
What if I Can’t Pay My Rent?

February 9, 2026

Falling behind on rent isn't a one-way ticket to eviction. Know your rights, and learn your options.

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Five Apps to Help Save for Retirement
Five Apps to Help Save for Retirement

January 29, 2026

Retirement planning apps put saving, investing, and budgeting in the palm of your hand. Here are a few of the best.

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10 Tips for Hosting Thanksgiving on a Budget
Thanksgiving on a Budget

January 29, 2026

Don't go into debt when shopping and preparing Thanksgiving dinner. Find out how to host Thanksgiving on a budget.

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