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 Is High-Interest Debt?
What Is High-Interest Debt?

February 3, 2026

High-interest debt can cost you a lot, quickly. Here’s what to do about it.

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Do Consolidation Loans Hurt Your Credit
Do Consolidation Loans Hurt Your Credit?

February 3, 2026

Consolidation could hurt or help your score. Here’s how to tell when it’s the right choice for you.

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How to get back on track after missing debt payments
How to Get Back on Track After Missing Debt Payments

February 3, 2026

You can recover after falling behind on debt payments. We’ll show you how to get back on track.

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What happens if you stop paying your bills?
What Happens If You Stop Paying Your Bills?

February 3, 2026

Financial hardship can put you behind on bills and spell trouble for your credit. Here's how to get back on track.

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How to create a bare-bones budget when you're in debt
How to Create a Bare-Bones Budget When You’re in Debt

February 3, 2026

Want to stop overspending? Learn how to create a bare-bones budget.

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Is Making Multiple Payments on Credit Cards Bad?
Is Making Multiple Payments on Credit Cards Bad?

February 3, 2026

Splitting up card payments might help the budget, but is there a downside? Here's what happens with multiple payments.

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 Is a Credit Card Secured or Unsecured Deb
Is a Credit Card Secured or Unsecured Debt?

February 3, 2026

Not sure whether a secured or unsecured card is right for you? Here’s how to make the right choice.

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How to prioritize debt payments in your budget
How to Prioritize Debt Payments in Your Budget

February 3, 2026

Learn how to set up your budget, maintain your priorities, and make that debt go away.

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4 numbers to know before you consolidate your debt
4 Numbers to Know Before You Consolidate Your Debt

February 3, 2026

Make the best possible debt consolidation decision (and dodge roadblocks) by knowing these four numbers.

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Government Shutdown: What Can Federal Workers Do If They Can't Pay Their Bills?
Government Shutdown: What Can Federal Workers Do If They Can't Pay Their Bills?

February 3, 2026

If you're facing a temporary pause to your paychecks during a government shutdown, what can you do?

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