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.

Your Emergency Financial First Aid Kit
Your Emergency Financial First Aid Kit

March 28, 2026

In an emergency, you need to keep yourself, your family, and your financial future safe.…

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How to Rebuild Your Credit After Debt Relief
How to Rebuild Your Credit After Debt Relief in 3 Simple Steps

March 28, 2026

Done with debt relief and ready to repair your credit? Follow these steps for a simple strategy to rebuild your credit.

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5 Financial Choices That Cost You More Than You Think
5 Financial Choices That Cost You More Than You Think—and How to Change Them

February 28, 2026

Small choices could cost a lot. Find out which financial habits you might want to leave behind.

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How Much Can You Borrow on a Home Equity Loan?
How Much Can You Borrow With a Home Equity Loan?

February 28, 2026

Home equity loans could be a smart way to consolidate your debt. Here's how to decide if they're right for you.

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Cutting These 5 Expenses Could Help You Pay Off Debt
Cutting These 5 Expenses Could Help You Pay Off Debt

February 28, 2026

You can’t slash every expense, but here are a few that may be easier to cut than you’d expect.

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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?

February 28, 2026

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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Do You Need to Change Your Spending Habits?
How to Change Your Spending Habits

February 28, 2026

Change can be scary, but good. Find out how to change your spending habits in a way that benefits you.

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Why Do People Overspend?
Why Do People Overspend?

February 28, 2026

Overspending could be your brain chasing rewards. Learn how to retrain it to spend smarter.

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 How to Be Debt-Free by Retirement
Debt-Free Retirement

February 28, 2026

Addressing your debt now can help you enjoy a debt-free retirement when you're ready to leave the 9-to-5 behind.

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Debt Snowball or Debt Avalanche: Which is Better?
Debt Snowball or Debt Avalanche: Which is Better?

March 1, 2026

Two of the most popular debt payoff strategies—and the one you’ll actually stick to.

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