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.

Convenient Alternatives to Credit Cards
Convenient Alternatives to Credit Cards

January 15, 2026

Stay secure and in control of your money—see the best credit card alternatives for debt- and stress-free spending.

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How to Buy a House with Bad Credit
How to Buy a House with Bad Credit

January 15, 2026

Bad credit doesn't need to stand in the way of your dream of homeownership.

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Budget billing graphic
What Is Budget Billing? A Guide to How It Works

January 15, 2026

Skip the bill shock—budget billing keeps your utility payments steady month after month.

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What’s Your Financial Next Normal?
What’s Your Financial Next Normal?

January 15, 2026

Manifest a better financial future, and take these steps to make it happen. Here are tips for creating your new financial normal.

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Here's Why You Shouldn't Make Minimum Payments on a $10,000 Credit Card Balance
The Shocking Math: Here's Why You Shouldn't Make Minimum Payments on a $10,000 Credit Card Balance

January 15, 2026

Credit card minimum payments can keep you in debt for decades. Here’s how to avoid falling into the trap.

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Want to Get Out of Debt? Focus on This Number First
Want to Get Out of Debt? Focus on This Number First

January 15, 2026

When you feel like your budget is as lean as it can be, attack debt from the other direction: increase your income. Here’s how.

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Who Can Access Your Credit Report
Who Can Access Your Credit Report and See Your Credit Score? The List Is Longer Than You Might Expect

January 17, 2026

Who can access your credit report? Lenders, employers, landlords…and more. Learn how to protect your privacy and rights.

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How to Improve Your Financial Health
How to Improve Your Financial Health

January 17, 2026

Your financial health is just as important as your physical health. Read these simple tips…

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How to Understand and Conquer Financial Phobia
Fear of Debt

January 16, 2026

Getting around fear of debt can be key to financial thriving. Here’s how to move past it.

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Maxed out credit cards
Maxed-Out Credit Cards: Why It's Bad and What to Do About It

January 16, 2026

Getting close to your credit limit? Already there? Here’s what happens next, and how to get it back under control.

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