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.

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

June 5, 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.

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

June 6, 2026

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

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

June 6, 2026

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

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In a Strong Market, Here are Smart Ways to Increase Your Home Value
Smart Ways to Increase Your Home Value

June 5, 2026

If you’re doing renovations to increase your home’s value, use rewards cards or smart financing…

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How Does a 401(k) Loan Work for Paying off Debt?
How Does a 401(k) Loan Work for Paying off Debt?

March 4, 2026

Struggling with high-interest debt? A 401(k) loan could help you pay it off—but know the risks.

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Beyond Coupons: How to Save Money Shopping
Beyond Coupons: How to Save Money Shopping

June 5, 2026

Want to save money shopping? Check out these creative ways…

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Debt Reduction Program Pros and Cons
Debt Reduction Program Pros and Cons: How to Find the Right Solution for Your Financial Situation

June 10, 2026

If you’re facing financial hardship, a debt reduction program could help. Learn the pros and cons.

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Common Tax-Filing Mistakes
Common Tax-Filing Mistakes and How to Reduce the Chance of Making One

April 3, 2026

Tax returns are often complicated. Learn about some common mistakes—and how to avoid them.

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Does It Hurt Your Credit to Close a Credit Card?
Does It Hurt Your Credit to Close a Credit Card? Here's What Happens

March 4, 2026

Closing a credit card could lower your credit score. We’ll show you the pros and cons so you can make a good decision.

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Do Credit Card Issuers Have to Tell You When They Close Your Account
Do Credit Card Issuers Have to Tell You When They Close Your Account?

June 5, 2026

Credit card declined? It could be a reader error—or your account could have been closed. Here's how to handle it.

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