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.

9 Smart Ways to Save Money on Summer Vacation
10 Smart Ways to Save Money on Summer Vacation

March 31, 2026

With a little bit of planning, you can enjoy an awesome vacation and still stay…

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Convenient Alternatives to Credit Cards
Convenient Credit Card Alternatives

March 10, 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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What happens if you stop paying your bills?
What Happens If You Stop Paying Your Bills?

October 23, 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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What is Freedom Debt Relief and How Does It Relate to Achieve?
What is Freedom Debt Relief and How Does It Relate to Achieve?

July 16, 2026

Freedom Debt Relief is a unique program with its own dedicated team, its process, and website. Here’s what you need to know.

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11 creative ways to save for emergencies when you're broke
11 Creative Ways to Save for Emergencies When You’re Broke

March 6, 2026

Being broke could make you a super-saver who builds wealth. Here’s how to save when you don’t have any to spare.

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Couponing: A Beginner’s Guide
Couponing: A Beginner’s Guide

August 5, 2026

If you have five minutes a week, you can likely cut your grocery bill with couponing. Here's how to get started.

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Automated Debt Collection
What to Do About Automated Debt Collection Calls

March 13, 2026

Many debt collection agencies send automated debt collection messages. Find out what you can do about it.

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How to Remove Old Debt From Your Credit Report
How to Remove Old Debt From Your Credit Report

April 13, 2026

Old debts can linger for years on your credit report. Here's when they should fall off—and what to do if they don't.

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How to Avoid Debt as a First-Year Homeowner
How to Avoid Debt as a First-Year Homeowner

March 2, 2026

Don’t fall victim to rookie mistakes. Here’s how to steer clear of debt in your first year of owning a home.

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Why is my credit score different on different sites
Why is My Credit Score Different on Different Sites?

March 8, 2026

Your credit score can vary depending on the time and source. Here's why they're different and which scores matter.

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