
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.
January 26, 2026
Getting debt help might tank your credit score. But being debt-free is still worth it—you can rebuild your credit.
Read moreJanuary 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.
Read moreJanuary 26, 2026
If you’re facing financial hardship, a debt reduction program could help. Learn the pros and cons.
Read moreFebruary 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.
Read moreFebruary 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.
Read moreFebruary 1, 2026
Hidden fees, exorbitant interest rates, and high-pressure sales tactics—oh my! Avoid these lender red flags.
Read moreFebruary 1, 2026
Being underbanked can be expensive and time-consuming. Here's how to access more mainstream financial services.
Read moreFebruary 1, 2026
Credit card hardship and forbearance programs might help you catch up on debt payments. Here’s how they work
Read moreJanuary 29, 2026
Far too many people end up with holiday debt regrets, but you can avoid them with careful budgeting and smart shopping.
Read more





