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.

Debt Relief for Business Owners
Business Debt Settlement: Complete Guide for Small Business Owners [2025]

December 17, 2025

These 11 business debt relief methods could help you get rid of the debt and keep your business running.

Read more
Should Your Company Reimburse Work-From-Home Expenses?
Do Companies Have to Reimburse Work-From-Home Expenses in Your State?

December 2, 2025

Should your employer pick up the tab for your home office chair or new coffee maker? Well, maybe.

Read more
How to Dispute an Error on Your Credit Report
How to Dispute Your Credit Report

December 13, 2025

Errors on your credit report can hurt your score. Here's how to get rid of them fast.

Read more
Should You Start a 529 Plan?
Should You Start a 529 Plan?

December 5, 2025

Should you start a 529 plan? A 529 plan can help you save for college…

Read more
What’s a Good Debt-to-Income Ratio?
How to Reduce Your Debt-to-Income Ratio

December 1, 2025

A lower debt-to-income ratio could help you get a loan and manage your bills more easily. Here’s how to get one.

Read more
Do Credit Card Issuers Have to Tell You When They Close Your Account
Do Credit Card Issuers Have to Tell You When They Close Your Account?

December 10, 2025

Credit card declined? It could be a reader error—or your account could have been closed. Here's how to handle it.

Read more
How Often Does Your Credit Score Update
How Often Does Your Credit Score Update?

December 10, 2025

Your credit score probably updates more than you think. Here's what you need to know to stay on top of it.

Read more
How to Settle Credit Card Debt When Lawsuit Has Been Filed
Can You Settle Credit Card Debt After Being Served? Complete Guide 2025

December 5, 2025

Yes, you can settle credit card debt after being served—find out how.

Read more
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.

Read more
Signs You're Feeling Financial Trauma
3 Signs You’re Feeling Financial Trauma—and What to Do About it

November 28, 2025

Many people have experienced financial trauma. Healing is possible, for a better financial future.

Read more