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.

5 Financial Choices That Cost You More Than You Think
5 Financial Choices That Cost You More Than You Think—and How to Change Them

February 28, 2026

Small choices could cost a lot. Find out which financial habits you might want to leave behind.

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How Much Can You Borrow on a Home Equity Loan?
How Much Can You Borrow With a Home Equity Loan?

February 28, 2026

Home equity loans could be a smart way to consolidate your debt. Here's how to decide if they're right for you.

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Cutting These 5 Expenses Could Help You Pay Off Debt
Cutting These 5 Expenses Could Help You Pay Off Debt

February 28, 2026

You can’t slash every expense, but here are a few that may be easier to cut than you’d expect.

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Could a Lifestyle Change Help You Get Rid Of Debt Faster?
Could a Lifestyle Change Help You Get Rid Of Debt Faster?

February 28, 2026

Switching up your usual could help you get rid of debt faster. Here are a few lifestyle choices that could help.

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Do You Need to Change Your Spending Habits?
How to Change Your Spending Habits

February 28, 2026

Change can be scary, but good. Find out how to change your spending habits in a way that benefits you.

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Why Do People Overspend?
Why Do People Overspend?

February 28, 2026

Overspending could be your brain chasing rewards. Learn how to retrain it to spend smarter.

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 How to Be Debt-Free by Retirement
Debt-Free Retirement

February 28, 2026

Addressing your debt now can help you enjoy a debt-free retirement when you're ready to leave the 9-to-5 behind.

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Debt Snowball or Debt Avalanche: Which is Better?
Debt Snowball or Debt Avalanche: Which is Better?

March 1, 2026

Two of the most popular debt payoff strategies—and the one you’ll actually stick to.

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Talk to a Creditor About Loan Forbearance: A Step by Step Guide
Talk to a Creditor About Loan Forbearance: A Step-by-Step Guide

March 1, 2026

Loan forbearance might be a good solution if you’re struggling. Here’s how to talk to your creditors about it.

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How much can you usually settle a debt for
How Much Can You Usually Settle a Debt For?

March 7, 2026

Debt settlement could help you significantly reduce your debt and put it behind you. Find out how much you could offer.

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