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.
March 18, 2026
When savings are not enough, debt can help fund the expenses of life. But debt is not always the right solution. Learn more about using household debt effectively.
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March 18, 2026
Don’t pay more for your burrito. Learn how to avoid Buy Now, Pay Later (BNPL) for everyday purchases.
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March 18, 2026
Student loan forbearance differs with federal and private loans. Here’s how both can affect your credit score.
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March 18, 2026
Secured credit cards and prepaid debit cards serve different purposes. Learn the differences.
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April 18, 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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March 19, 2026
If you’re ready to tackle debt, you’ve got the power. Here’s how to approach DIY debt payoff.
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March 19, 2026
The right approach to consolidating your debt could save you big time on interest.
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March 19, 2026
If you have made it a goal to learn more about personal finance, then you…
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March 25, 2026
Healthcare bills aren't set in stone. Here are seven ways you could reduce your healthcare costs.
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March 19, 2026
One of the last steps in negotiating debt is figuring out your potential tax bill. Learn about debt settlement taxes here.
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