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 Start a 529 Plan?
Should You Start a 529 Plan?

March 21, 2026

Should you start a 529 plan? A 529 plan can help you save for college…

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Tips to Defend Yourself Against Zombie Debt
Tips to Defend Yourself Against Zombie Debt

March 20, 2026

Sometimes debt comes back from the grave. Find out how to keep zombie debt from haunting your finances.

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How to plan for financial emergencies while paying off debt
How to Plan for Financial Emergencies While Paying Off Debt

March 22, 2026

Budget, save a little, and pay down a little, and you can eventually be debt-free and ready for emergencies.

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

March 22, 2026

You want to pay off debt, but you also want to retire someday. Learn how you could do both.

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

March 20, 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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Raise Credit Score by 100 Points Overnight
Can You Raise Your Credit Score 100 Points Overnight?

March 22, 2026

You might be surprised at how quickly your credit score could jump. Here are a few moves that could get you big points fast.

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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?

March 22, 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

March 21, 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?

March 21, 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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