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.

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

October 8, 2026

A clear priority order helps you pay off debt and build retirement savings without picking just one goal over the other.

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5 Strategies to Help Manage Small Business Debt
6 Strategies to Help Manage Small Business Debt

November 5, 2026

If your small business cash flow has taken a hit, here’s how to get strategic about small business debt reduction.

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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?

November 6, 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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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

November 6, 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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Should a Credit Card Serve as Your Emergency Fund?
Should a Credit Card Serve as Your Emergency Fund?

November 6, 2026

An emergency fund keeps you covered when there are surprises. Here’s why a savings account is safer than a credit card.

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

November 6, 2026

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

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5 Ways to Improve Your Financial Literacy
How to Be More Financially Literate

November 5, 2026

If you have made it a goal to learn more about personal finance, then you can start with these six crucial ways to improve your financial literacy.

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Freedom-Debt-Relief White-Background
DIY Debt Solutions

November 5, 2026

If you’re ready to tackle debt, you’ve got the power. Here’s how to approach DIY debt payoff.

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The 3 Most Unexpected Costs of Owning a Home
The 3 Most Unexpected Costs of Owning a Home

November 6, 2026

We asked over 1,000 homeowners to tell us about the three most unexpected costs of owning a home.

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