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.

Strategic Financial Resolutions for Someone With Debt
Strategic Financial Resolutions for Someone With Debt

April 12, 2026

In debt, but want to improve your finances? Check out these strategic financial resolutions that could help.

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Can a Joint Bank Account Be Garnished?
Can a Joint Bank Account Be Garnished?

April 12, 2026

Your shared bank account could be at risk if either you have unpaid debts. Learn how to protect yourselves.

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Debt Avalanche Method Instructions
Debt Avalanche Method Instructions

April 18, 2026

A debt avalanche could save you time and money when paying off credit card debt. Learn how it works here.

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How Much Debt Is Too Much
How Much Debt Is Too Much?

April 12, 2026

Everyone's situation is different and there's no specific number that signals too much debt. Here's how to tell instead.

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Credit Invisible
Credit Invisible: What Is It and What Can You Do About It?

April 18, 2026

Without a credit history, you're practically invisible. Keep reading to learn how to be seen and admired.

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How to Pay Off Multiple Credit Cards
How to Pay Off Multiple Credit Cards

April 18, 2026

Struggling with multiple credit card debts? Don’t worry. You have choices. Professionals could help, too. Learn how.

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Does Paying the Minimum Payment Hurt Your Credit Score?
Does Paying the Minimum Payment Hurt Your Credit Score?

April 18, 2026

Minimum credit card payments mean more interest could impact your credit score. Find out why your payments matter.

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

April 18, 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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Reasons to Choose a Debt Consolidation Loan vs. a Balance Transfer Card
5 Reasons to Choose a Debt Consolidation Loan vs. a Balance Transfer Card

April 18, 2026

Balance transfer cards get a lot of attention. Here’s why a debt consolidation loan might be better.

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7 Smart Ways to Use Your Credit Cards in a Recession
8 Smart Ways to Use Your Credit Cards in a Recession

April 18, 2026

Different times call for different spending strategies. Here are the best ways to use credit cards in a recession.

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