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.

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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5 Ways to Improve Your Financial Literacy
6 Ways to Improve Your Financial Literacy

March 19, 2026

If you have made it a goal to learn more about personal finance, then you…

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

March 25, 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

March 7, 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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Debt Settlement, Taxes, and Your 2018 Filing
Debt Settlement Taxes: Understanding the Tax Implications of Forgiven Debt [Updated for 2025]

March 19, 2026

One of the last steps in negotiating debt is figuring out your potential tax bill. Learn about debt settlement taxes here.

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Can Debt Collectors Take Money From Your Bank Account
Complete Guide to Bank Account Levy and Garnishment

March 19, 2026

Yes, debt collectors can access your bank account. But you can take advance action to prevent this nightmare.

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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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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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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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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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