Fixing My Finances

Editorial Policy

Fixing My Finances covers personal finance for people at every stage of financial stress — from first-time budgeters to readers navigating debt relief. This page explains how we produce content, how we use AI tools, and how we handle corrections and advertiser relationships.

Editorial Independence

Fixing My Finances is operated by Zenith Digital, LLC. Editorial decisions — what to cover, how to frame it, what to recommend — are made by our editorial team and are not directed by advertisers, affiliate partners, or sponsors. A partner relationship with CareOne Debt Solutions, for example, does not mean CareOne receives favorable coverage not warranted by the facts; it means we may earn a referral fee when readers choose their service after reading unbiased coverage.

How Content Is Researched

Our editorial process follows these standards:

  • Primary sources first. Figures, program rules, and regulatory guidance are drawn from named primary sources: the Consumer Financial Protection Bureau (CFPB), the Federal Reserve, the U.S. Department of Education, the IRS, and relevant federal and state agencies. We do not publish statistics we cannot attribute to a real, current source.
  • No fabricated data. Illustrative examples ("say you owe $8,000…") are clearly framed as hypothetical. We do not present invented numbers as research findings.
  • Currency check. Personal finance rules change. Interest rates, income-driven repayment terms, tax thresholds, and debt-relief program rules are verified at time of publication and updated when significant changes occur.
  • Expert review. Articles covering complex regulatory topics (PSLF, means-tested forgiveness, debt settlement tax implications) are reviewed for accuracy before publication.

AI Assistance Disclosure

We use AI writing tools to assist in drafting and structuring content. All AI-assisted content is reviewed by a human editor for accuracy, tone, and compliance with our editorial standards before publication. AI tools do not make editorial decisions about what to recommend or how to frame advice — that review is human-led.

Every article on this site carries a disclosure at the bottom noting AI assistance was used in its creation.

No Individualized Advice

Nothing on this Site is tailored financial, tax, legal, or investment advice for your specific situation. Content is for general educational purposes. Readers are encouraged to consult a qualified professional — a licensed credit counselor, tax professional, or attorney — before making significant financial decisions.

Debt relief results vary. Some programs may affect your credit score and have tax consequences. We frame options, not guarantees.

Corrections Policy

We are committed to accuracy. If you believe an article contains a factual error, please email [email protected] with the article URL and a description of the error. We review all correction requests. When a substantive error is confirmed, we update the article and note the correction at the bottom of the piece.

We correct errors; we do not silently delete coverage because a subject dislikes our characterization.

How We Make Money

Fixing My Finances generates revenue through:

  • Display advertising: Google AdSense and RSOC/Yahoo display ad placements. Ad inventory is programmatic; we do not personally select which ads appear, though we configure content-appropriate ad categories.
  • Affiliate partnerships: We have an affiliate relationship with CareOne Debt Solutions for debt management and relief services. When a reader clicks a CareOne link and enrolls, we may earn a referral fee. We do not guarantee CareOne's services, and our editorial coverage of debt relief options is not limited to CareOne.
  • Internal routing to sister sites: We link to Credit Card Reviews (for credit card and balance-transfer content) and Student Relief Solutions (for student-loan content). These sites generate revenue through their own affiliate and advertising programs, and Fixing My Finances may benefit indirectly.

Revenue relationships do not influence editorial framing or recommendations. When affiliate links are present in an article, you'll see our standard disclosure at the top of that piece.