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.

What Is Secured Debt
What Is Secured Debt?

December 9, 2025

When a financial hardship strikes, you need a plan for managing secured debt, so you don't risk losing your collateral.

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How to Pay Off Debt When You Can Only Work Part-Time
How to Pay Off Debt When You Can Only Work Part-Time

December 14, 2025

A part-time salary doesn’t have to stop you from becoming debt-free.

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What Is Wage Garnishment?
What Is Wage Garnishment?

November 25, 2025

Wage garnishment can reduce your paychecks. Here’s how a creditor does it, and what you could do in response.

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Could a Lifestyle Change Help You Get Rid Of Debt Faster?
Could a Lifestyle Change Help You Get Rid Of Debt Faster?

December 13, 2025

Switching up your usual could help you get rid of debt faster. Here are a few lifestyle choices that could help.

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Want to Get Out of Debt? Focus on This Number First
Want to Get Out of Debt? Focus on This Number First

November 24, 2025

When you feel like your budget is as lean as it can be, attack debt from the other direction: increase your income. Here’s how.

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Best Ways to Get Debt Relief
Best Ways to Get Debt Relief

December 12, 2025

Help yourself get out of debt with these lifestyle changes and better money management.

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FDR blog setupXmsbudget
How to Set Up a Christmas Budget

December 4, 2025

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

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How to create a bare-bones budget when you're in debt
How to Create a Bare-Bones Budget When You’re in Debt

December 14, 2025

Want to stop overspending? Learn how to create a bare-bones budget.

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How to prioritize debt payments in your budget
How to Prioritize Debt Payments in Your Budget

December 14, 2025

Learn how to set up your budget, maintain your priorities, and make that debt go away.

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3 Money Management Mistakes to Avoid
Money Management Mistakes to Avoid

December 11, 2025

If you feel like your finances are stuck in neutral, you might be making these common money management mistakes.

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