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 prioritize debt payments in your budget
How to Prioritize Debt Payments in Your Budget

August 11, 2025

Learn how to set up your budget, maintain your priorities, and make that debt go away.

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How to create a bare-bones budget when you're in debt
How to Create a Bare-Bones Budget When You’re in Debt

August 11, 2025

Want to stop overspending? Learn how to create a bare-bones budget.

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How to get back on track after missing debt payments
How to Get Back on Track After Missing Debt Payments

August 11, 2025

You can recover after falling behind on debt payments. We’ll show you how to get back on track.

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Five Free Debt Payoff Apps You’ll Want to Use Now
Best Apps to Pay Off Credit Card Debt

August 23, 2025

Check out our 10 best debt payoff apps to manage your budget and get rid of your credit card debt for good.

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Negative Bank Account
How to Clear a Negative Balance in Your Bank Account: Step-by-Step Guide

August 23, 2025

If your bank account is in the negative, it can cost you money. Find out how to clear a negative bank balance here.

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

August 23, 2025

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

August 23, 2025

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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