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.

What Happens If You’re Deep in Debt But Still Have Good Credit?
What Happens If You’re Deep in Debt But Still Have Good Credit?

January 26, 2026

Getting debt help might tank your credit score. But being debt-free is still worth it—you can rebuild your credit.

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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

January 26, 2026

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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Debt Reduction Program Pros and Cons
Debt Reduction Program Pros and Cons: How to Find the Right Solution for Your Financial Situation

January 26, 2026

If you’re facing financial hardship, a debt reduction program could help. Learn the pros and cons.

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Open Enrollment 2021: Do You Need an HSA?
Do You Need an HSA?

February 1, 2026

An HSA could lower your taxes while helping you avoid medical debt. Read on to see if an HSA is right for you.

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Should you make multiple CC payments in a month
Should You Make Multiple Credit Card Payments in a Month?

February 1, 2026

Are you paying your credit card too often—or not often enough? Here's when to make one payment or multiple each month.

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When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can
When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can

February 1, 2026

Hidden fees, exorbitant interest rates, and high-pressure sales tactics—oh my! Avoid these lender red flags.

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Access to Banking: What Does Underbanked Mean?
Access to Banking: What Does Underbanked Mean?

February 1, 2026

Being underbanked can be expensive and time-consuming. Here's how to access more mainstream financial services.

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How to use hardship programs to temporarily suspend credit card payments
Can You Pause Credit Card Payments? Understanding Forbearance and Hardship Programs

February 1, 2026

Credit card hardship and forbearance programs might help you catch up on debt payments. Here’s how they work

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10 Holiday Shopping Debt Traps You Need to Avoid
10 Holiday Shopping Debt Traps You Need to Avoid

January 29, 2026

Far too many people end up with holiday debt regrets, but you can avoid them with careful budgeting and smart shopping.

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