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.

How to Create an Emergency Fund by Snacking and Watching Movies
How to Create an Emergency Fund

January 28, 2026

Your emergency fund is one of the most important financial tools you can have. Here's how to build one.

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How to Save $1,000 a Month
How to Save $1,000 a Month: These Money Moves Add Up

January 28, 2026

If you’re feeling overwhelmed, start small. Here are a few tips to save as much as $1,000 a month.

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How to Do a Debt Snowball
How to Do a Debt Snowball

January 28, 2026

Struggling to stay motivated while paying off debt? The debt snowball method could be the solution that energizes you.

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Ready to Teach Money Skills at Home?
Ready to Teach Money Skills at Home?

January 28, 2026

Their first teacher is you. Make sure your kids are learning what they need to know about money.

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3 Unexpected Costs of Raising a Kid
6 Unexpected Costs of Raising a Kid

January 28, 2026

Parenthood has lots of surprises—some fun, some not so much. Here are the unexpected costs to watch out for.

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Financial Advice to Ignore During a Recession
Financial Advice to Ignore During a Recession

January 28, 2026

How to get through a scary financial time: ignore the bad advice and protect your money. We’ll show you how.

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What Is Secured Debt
What Is Secured Debt?

January 28, 2026

When a financial hardship strikes, you need a plan for managing secured debt, so you don't risk losing your collateral.

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How to Use Credit Cards Wisely
Can I Still Use My Credit Card After Debt Settlement?

January 19, 2026

Debt settlement doesn’t mean you’ll never use credit cards again. We’ll walk you through the process to rebuild.

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

January 19, 2026

There are so many things you can do with a tax refund, but what should…

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FDR article counseling ar-min
Credit Card Counseling Pros and Cons: A Complete Analysis for 2025

January 19, 2026

Credit counselors can help a lot, but they have their limits. Learn the credit counseling pros and cons in our guide.

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