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.

6 Ways to Plan for a Debt-Free Holiday
The Gift of Financial Freedom—How to Avoid Holiday Debt

January 8, 2026

It’s the most wonderful—and expensive—time of year. Here’s how to stay out of holiday debt.

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Five Back-to-School Shopping Tips that Save Money
Five Back-to-School Shopping Tips that Save Money

January 17, 2026

If you're stressed out about all the supplies you'll need to get for your kids…

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Debt Settlement vs. Debt Consolidation
Debt Relief vs. Debt Consolidation: Pros and Cons

December 30, 2025

Change HOW you pay with debt consolidation, and how MUCH you pay with debt settlement. Learn the pros and cons here.

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The Season of Giving: How We Will Give Back This Year
The Season of Giving: How We Will Give Back This Year

January 22, 2026

Want to give back but worried about the budget? Try these free ways to give back as a family this holiday season.

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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

December 29, 2025

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

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In a Strong Market, Here are Smart Ways to Increase Your Home Value
Smart Ways to Increase Your Home Value

January 4, 2026

If you’re doing renovations to increase your home’s value, use rewards cards or smart financing…

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10 Ways to Clean Up Your Finances
10 Ways to Clean Up Your Finances

January 19, 2026

Start the year off right with our 10 favorite money tips, from maxing out your…

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Credit Card Debt Bankruptcy
Should You Consider Filing for Credit Card Debt Bankruptcy?

January 22, 2026

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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60% of Americans Aren’t Saving Enough for Retirement
60% of Americans Aren’t Saving Enough for Retirement

December 30, 2025

You may be behind on retirement savings now, but it doesn't have to be that way forever.

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Government Building
How Can I Find Government Credit Card Debt Relief Programs?

January 10, 2026

Ads about government credit card relief may be a sham, but don't worry. There are plenty of other options.

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