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.

5 Ways to Get Rid of Debt Stress
5 Ways to Get Rid of Debt Stress

December 6, 2025

Does thinking about your debt cause you anxiety or keep you up at night? Try these tips to manage debt stress.

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How to save the most money when consolidating debt
How to Save the Most Money When Consolidating Debt

December 2, 2025

Debt consolidation could help you pay down what you owe faster and potentially keep more money in your pocket.

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How Does Student Loan Forbearance Affect Your Credit Score?
How Does Student Loan Forbearance Affect Your Credit Score?

December 7, 2025

Student loan forbearance differs with federal and private loans. Here’s how both can affect your credit score.

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Is Your Debt Relief Company Legit?
Is Your Debt Relief Company Legit?

December 15, 2025

Wondering if a debt relief company will help or harm? Here’s how to know if you’ve found a legit one.

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7 Ways to Cut Your Expenses When You Already Make Your Own Coffee
7 Ways to Cut Your Expenses When You Already Make Your Own Coffee

December 6, 2025

You eat at home and don’t buy coffee out. Now what? Here's how to save when you've already made the usual cuts.

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6 Black Friday Tips to Get the Best Deals
6 Black Friday Tips to Get the Best Deals

December 8, 2025

Everyone wants the best deals leading up to the holidays. Check out these 6 Black…

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

November 29, 2025

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

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Buying a Home in My 20s Was a Financial Disaster—Here’s How I Recovered
Buying a Home in My 20s Was a Financial Disaster—Here's How I Recovered

December 12, 2025

Even if home-buying messes up your finances, you can recover. Here’s how.

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

December 2, 2025

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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Is 600 A Good Credit Score
Is a 600 Credit Score Bad?

December 18, 2025

While a 600 credit score isn't bad, you can improve it to earn more access to credit and cheaper interest rates.

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