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?

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.

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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.

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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

March 27, 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

March 27, 2026

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

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

March 27, 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

March 22, 2026

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

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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?

March 28, 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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Your Emergency Financial First Aid Kit
Your Emergency Financial First Aid Kit

March 28, 2026

In an emergency, you need to keep yourself, your family, and your financial future safe.…

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How to Rebuild Your Credit After Debt Relief
How to Rebuild Your Credit After Debt Relief in 2026

September 15, 2026

You settled your debt. Here's how to rebuild your credit score, one habit at a time.

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How Often Does Your Credit Score Update
When Do Credit Scores Update?

March 26, 2026

Your credit score probably updates more than you think. Here's what you need to know to stay on top of it.

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