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.

Debt Snowball or Debt Avalanche: Which is Better?
Debt Snowball or Debt Avalanche: Which is Better?

May 12, 2026

Two of the most popular debt payoff strategies—and the one you’ll actually stick to.

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Is Debt Settlement Worth It?
Is Debt Settlement Worth It?

May 12, 2026

Debt settlement could be a powerful debt relief tool. Here's how to know whether it's the right option for you.

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Do You Need to Change Your Spending Habits?
How to Change Your Spending Habits

May 12, 2026

Change can be scary, but good. Find out how to change your spending habits in a way that benefits you.

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 How to Be Debt-Free by Retirement
Debt-Free Retirement

May 12, 2026

Addressing your debt now can help you enjoy a debt-free retirement when you're ready to leave the 9-to-5 behind.

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Secured Debt vs. Unsecured Debt
Secured Debt vs. Unsecured Debt: Key Differences and Similarities

May 12, 2026

Financial knowledge is financial power. Learn about secured vs. unsecured debts and the best way to use them.

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Cutting These 5 Expenses Could Help You Pay Off Debt
Cutting These 5 Expenses Could Help You Pay Off Debt

May 12, 2026

You can’t slash every expense, but here are a few that may be easier to cut than you’d expect.

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Why Do People Overspend?
Why Do People Overspend?

May 12, 2026

Overspending could be your brain chasing rewards. Learn how to retrain it to spend smarter.

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Could a Lifestyle Change Help You Get Rid Of Debt Faster?
Could a Lifestyle Change Help You Get Rid Of Debt Faster?

May 12, 2026

Switching up your usual could help you get rid of debt faster. Here are a few lifestyle choices that could help.

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How Much Can You Borrow on a Home Equity Loan?
How Much Can You Borrow With a Home Equity Loan?

May 12, 2026

Home equity loans could be a smart way to consolidate your debt. Here's how to decide if they're right for you.

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5 Financial Choices That Cost You More Than You Think
5 Financial Choices That Cost You More Than You Think—and How to Change Them

May 12, 2026

Small choices could cost a lot. Find out which financial habits you might want to leave behind.

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