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.

7 Ways to Cut Your Expenses When You Already Make Your Own Coffee
7 Ways to Cut Your Expenses When You Already Make Your Own Coffee

February 21, 2026

You eat at home and don’t buy coffee out. Now what? Here's how to save when you've already made the usual cuts.

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Will My Collection Accounts Ruin My Spouse’s Credit Score?
Will My Collection Accounts Ruin My Spouse’s Credit Score?

February 21, 2026

Your credit score only belongs to you—but how you handle credit could affect your spouse. Here’s how.

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Raise Credit Score by 100 Points Overnight
Can You Raise Your Credit Score 100 Points Overnight?

February 21, 2026

You might be surprised at how quickly your credit score could jump. Here are a few moves that could get you big points fast.

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What Happens If You’re Deep in Debt But Still Have Good Credit?
What Happens If You’re Deep in Debt But Still Have Good Credit?

February 21, 2026

Getting debt help might tank your credit score. But being debt-free is still worth it—you can rebuild your credit.

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Debt Reduction Program Pros and Cons
Debt Reduction Program Pros and Cons: How to Find the Right Solution for Your Financial Situation

February 21, 2026

If you’re facing financial hardship, a debt reduction program could help. Learn the pros and cons.

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How to plan for financial emergencies while paying off debt
How to Plan for Financial Emergencies While Paying Off Debt

February 22, 2026

Budget, save a little, and pay down a little, and you can eventually be debt-free and ready for emergencies.

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Should you pay off debt or save for retirement first?
Should You Pay Off Debt or Save for Retirement First?

February 22, 2026

You want to pay off debt, but you also want to retire someday. Learn how you could do both.

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Which debt should I pay off first?
Which Debt Should I Pay Off First?

February 22, 2026

A road trip starts with figuring out the route, and the same is true for your debt payoff journey.

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5 Tips for Talking to Your Partner about Debt
How Couples Get Out of Debt

February 22, 2026

Tackling debt together could help you financially—and in communicating as a couple. Read on for tips.

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