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.

Is Marriage Good for Your Financial Health?
Getting Married This Summer? Here's What It Could Do to Your Finances

May 29, 2026

Marriage is about a strong relationship, but can it be about strong finances too? Learn…

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How to Negotiate a Debt Settlement
How to Negotiate Your Credit Card Debt

November 2, 2026

Here are the professional tips you need to succeed at credit card debt negotiation.

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The Psychological Benefits of Settling Your Debts
The Psychological Benefits of Settling Your Debts 

November 3, 2026

Your debt could be affecting your mental health. Here’s what debt settlement can do to help.

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How Much Debt Does the Average American Have?
How Much Debt Does the Average American Have?

April 1, 2026

Don’t let nationwide debt averages drive you. Your debt can be conquered no matter how it compares.

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 How Much Credit Card Debt Is Too Much
How Much Credit Card Debt Is Too Much?

April 12, 2026

Credit card debt can be expensive. Here's how to tell when you've got too much—and how to deal with it.

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How to Budget Groceries When Prices Keep Going Up
How to Budget Groceries When Prices Keep Going Up

April 1, 2026

You have to eat. But prices keep going up. Learn some old and new tricks that might help keep grocery costs down.

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My Car Payment Is Too High! What Can I Do?
My Car Payment Is Too High! What Can I Do?

April 1, 2026

For many of us, selling a car is a no-go, even if payments get too high. Here’s how to handle it.

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How to Avoid Lifestyle Creep and a Hamster Wheel of Debt
How to Avoid Lifestyle Creep and a Hamster Wheel of Debt

April 1, 2026

When you finally get out of debt, you don't want to dive back into borrowing too much again. Here's how you can avoid falling back into the debt trap.

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What Is a Mechanic's Lien and How Does It Work?
What Is a Mechanic's Lien and How Does It Work?

April 1, 2026

A mechanic's lien could happen if you don’t pay a contractor. Learn how to get a lien released.

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Debt Collection Rules: 7-in-7
Debt Collection Rules: 7-in-7

April 4, 2026

The 7-in-7 rule helps protect you from harassment by debt collectors. Here’s how it works—and what it doesn't cover.

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