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.

Does Medical Debt Affect Your Credit Score?
Does Medical Debt Affect Your Credit Score?

April 4, 2026

Medical debt over $500 could go on your credit report. Here’s how to reduce the impact and find debt relief.

Read more
Maxed Out Credit Card? Here Are Your Options
Maxed Out Credit Card? Here Are Your Options

April 1, 2026

Need to pay down maxed-out credit cards? Here's how to handle it.

Read more
Your First Credit Card
Your First Credit Card: How to Choose It, How to Use It

April 1, 2026

Your first credit card can level up your financial game. Here’s how to choose it and use it.

Read more
Personal Financial Planning for Your Financial Goals
Make Money for Your Holiday Budget Now with Work-from-Home Gigs

March 26, 2026

Want to have a richer holiday season without debt? Easy work-from-home gigs could earn you money for the holidays.

Read more
What Happens if I Miss a Loan Payment?
What Happens if I Miss a Loan Payment?

March 11, 2026

Missed loan payments can happen to the best of us. Here's what happens when you miss a payment, and how to avoid it.

Read more
Credit Card Interest Rate Cap
Credit Card Interest Rate Cap—Will It Fix Your Problems?

March 11, 2026

A proposed 10% cap on credit card rates might not help as much as it seems. Here’s what you can do instead.

Read more
Pros and Cons of Balance Transfers
Pros and Cons of Balance Transfers

March 11, 2026

There’s good and bad with balance transfer cards. Learn the details that can help you choose whether to use them.

Read more
10 Holiday Shopping Debt Traps You Need to Avoid
10 Holiday Shopping Debt Traps You Need to Avoid

March 26, 2026

Far too many people end up with holiday debt regrets, but you can avoid them with careful budgeting and smart shopping.

Read more
Can I Surrender My Car If I Can't Afford the Loan?
Can I Surrender My Car If I Can’t Afford the Loan?

March 12, 2026

Can’t pay your auto loan? You don’t have to wait for the repo man. Learn how to decide whether to surrender your car.

Read more
After The Holidays: Hardcore Ways to Get Your Budget Back on Track
After the Holidays: Hardcore Ways to Get Your Budget Back on Track

March 27, 2026

You can recover from holiday overspending and ditch your debt. Find out how to get your budget back on track.

Read more