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.

Dropping All Your Fun Spending Isn't the Best Way to Deal With Credit Card Debt
Dropping All Your Fun Spending Isn't the Best Way to Deal With Credit Card Debt

February 9, 2026

You probably aren't going to be able to live on a bare-bones budget for long. Try these options instead.

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60% of Americans Aren’t Saving Enough for Retirement
60% of Americans Aren’t Saving Enough for Retirement

January 25, 2026

You may be behind on retirement savings now, but it doesn't have to be that way forever.

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Student Loan Forgiveness
Student Loan Forgiveness

February 9, 2026

From federal forgiveness programs to debt settlement, see what you can do to wipe out your student loan debt.

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How Your Credit Score Is Determined
The Good, Fair, and Poor: How Your Credit Score Is Determined

January 25, 2026

Payment history is the biggest credit score factor. But what else figures in? Get the details you need here.

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5 Strategies to Help Manage Small Business Debt
6 Strategies to Help Manage Small Business Debt

January 25, 2026

If your small business cash flow has taken a hit, here’s how to get strategic about small business debt reduction.

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Secured credit card vs Prepaid debit card
What’s the Difference Between a Secured Credit Card and a Prepaid Debit Card?

January 23, 2026

Secured credit cards and prepaid debit cards serve different purposes. Learn the differences.

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Debt Load
Debt Load and Your Finances

January 22, 2026

Learn how much debt might be too much for you. Find out where you stand and take control of your debt.

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3 Things Active Military Should Know about Debt and Finances
8 Things Active-Duty Military Should Know About Debt and Finances

January 18, 2026

Debt is common, whether you’re in the military or not. But military members have some great ways to get help.

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How to Negotiate a Debt Settlement
How to Negotiate Your Credit Card Debt

January 18, 2026

Here are the professional tips you need to succeed at credit card debt negotiation.

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Emergency loans for bad credit
Can You Get An Emergency Loan With Bad Credit?

January 19, 2026

Sometimes you need money in a hurry. But bad-credit loans can be bad news. Consider these better options.

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