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.

4 Simple Ways to Improve Your Finances in 2019
4 Simple Ways to Improve Your Finances in 2025

March 7, 2026

Many people want to get financially healthy this year. If you're wondering how to improve…

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Will Your Credit Limit Be Cut?
Will Your Credit Limit Be Cut?

March 7, 2026

Sometimes credit companies really do cut your limit. Learn when you should worry about it, and what to do.

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Moving Back in With Mom and Dad — How to Make the Money Work
Moving Back in With Mom and Dad: How to Make the Money Work

March 7, 2026

Want to save big money on rent? Moving in with Mom and Dad could help. But here’s the right way to do it.

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Tips on paying off credit card debt
Tips for Paying Off Credit Cards

March 8, 2026

Learn payment methods and debt management techniques for paying off credit card debt faster and for less money.

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What Is a Pay-for-Delete Agreement?
What Is a Pay-for-Delete Agreement?

March 8, 2026

No one wants negative information on their credit report. Can pay-for-delete really help you get rid of it?

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What Is Envelope Budgeting
What Is Envelope Budgeting?

March 8, 2026

Envelope budgeting could make managing your finances a lot easier. Here's how to get started.

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Recovering from a Contractor Gone Wrong…Without Bankruptcy
Recovering from a Contractor Gone Wrong…Without Bankruptcy

March 7, 2026

When a contractor takes you for a ride, you have options to fix your finances. Find out more.

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SBA debt relief
How to Settle SBA Loan Debt: Complete Guide to Debt Relief Options

March 8, 2026

It's possible to settle your SBA loans. Here's how to get started.

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

March 7, 2026

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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Is a Balance Transfer a Good Idea
Is a Balance Transfer a Good Idea?

March 9, 2026

A balance transfer could potentially make your interest disappear. But are they really a good idea? Find out now.

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