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.

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How to Set up a Christmas Budget

June 20, 2025

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

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The Psychological Benefits of Settling Your Debts
The Psychological Benefits of Settling Your Debts 

June 20, 2025

Need another reason to get rid of debt other than getting your financial life in order? You could feel better emotionally.

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Bill Consolidation
What Is Bill Consolidation?

June 20, 2025

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

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Should You Borrow Money from Friends and Family in Hard Times?
Should You Borrow Money from Friends and Family in Hard Times?

June 20, 2025

Borrowing money from friends and family can be tricky, but doable if you and your…

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

June 20, 2025

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

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How to Settle Credit Card Debt When Lawsuit Has Been Filed
How to Settle Credit Card Debt When Lawsuit Has Been Filed

June 20, 2025

It's possible to settle debt even after a lawsuit has been filed. Answer the summons. Then negotiate. And never skip your court date.

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3 Ways to Pay Off Holiday Credit Card Debt Fast
3 Ways to Pay Off Holiday Credit Card Debt Fast

July 7, 2025

It’s easy to find yourself swamped by debt, especially after the holidays. If you’re wondering…

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7 Smart Ways to Pay off Student Loans
9 Smart Ways to Pay off Student Loans

July 9, 2025

Learn how to pay off student loans in seven smart and effective ways that maximize…

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The Credit Card Sign Up Bonus: Too Good to Be True?
The Credit Card Sign-Up Bonus: Worth It?

July 8, 2025

Free money, or a way to lure you deeper into debt? Here is what you…

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

July 8, 2025

There are so many things you can do with a tax refund, but what should…

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