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.

How to Settle Credit Card Debt When Lawsuit Has Been Filed
Can You Settle Credit Card Debt After Being Served?

March 20, 2026

Yes, you can settle credit card debt after being served—find out how.

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10 Warning Signs of Financial Trouble
Warning Signs of Financial Trouble

March 20, 2026

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

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

March 20, 2026

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

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Pros and cons of personal loans to pay off credit card debt
Pros and Cons of Using a Personal Loan to Pay Off Credit Card Debt

March 20, 2026

A personal loan could simplify your debt payments—and save you money.

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FDR blog setupXmsbudget
How to Set Up a Christmas Budget

March 20, 2026

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

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Bill Consolidation
What Is Bill Consolidation?

March 20, 2026

Learn how to consolidate bills with debt consolidation loans or debt management plans.

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10 Money-Saving Vacation Hacks
12 Ways to Save Money for Vacation

March 20, 2026

While you’re on vacation, it can be hard to relax because you’re worried about the…

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Tips to Get the Best Interest Rate When Consolidating Your Debt
Tips to Get the Best Interest Rate When Consolidating Your Debt

March 19, 2026

The right approach to consolidating your debt could save you big time on interest.

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Top 5 Tough Conversations that Could Help You Put Debt Behind You
How to Talk About Debt: 5 Tough Conversations that Could Help You Put Debt Behind You

March 18, 2026

Getting out of debt faster isn’t just about cash—it’s about having the right conversations. Start with these.

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The Pros and Cons of Loan Refinancing
Loan Refinancing Explained

March 18, 2026

Lower the rate. Lower the payment. Get cash for an important expense. These are just some of the reasons people refinance.

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