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.

What Is the Community Reinvestment Act?
What Is the Community Reinvestment Act?

December 4, 2025

What is the CRA? What role does it play in social justice and how does…

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Ways to Pay Off Wedding Debt
Ways to Pay Off Wedding Debt

December 12, 2025

Don’t let lingering wedding debt fester. Here are four ways to pay it off.

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Should you make multiple CC payments in a month
Should You Make Multiple Credit Card Payments in a Month?

December 12, 2025

Are you paying your credit card too often—or not often enough? Here's when to make one payment or multiple each month.

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How to Use Your Home Equity to Pay Off Student Loans
How to Use Your Home Equity to Pay Off Student Loans

December 2, 2025

If your home equity looks like a good way to refinance your student loan debt, here’s what to know first.

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Credit Card Debt Bankruptcy
Should You Consider Filing for Credit Card Debt Bankruptcy?

December 2, 2025

If you’re overwhelmed by creditor phone calls, collection letters, or lawsuits, filing for bankruptcy forces your creditors to suspend collection activity. You cannot legally...

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Should a Credit Card Serve as Your Emergency Fund?
Should a Credit Card Serve as Your Emergency Fund?

December 6, 2025

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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Taking Responsibility for Debt While Avoiding Bankruptcy
Taking Responsibility for Debt While Avoiding Bankruptcy

December 10, 2025

A North Carolina resident found success in paying off her debt with the Freedom Debt Relief program. Learn why she opted for debt relief over bankruptcy.

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

December 13, 2025

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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What Is Envelope Budgeting
What Is Envelope Budgeting?

December 19, 2025

Envelope budgeting could make managing your finances a lot easier. Here's how to get started.

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4 Bad Ways to Pay Off Debt
7 Bad Ways to Pay Off Debt (and What to Do Instead)

December 1, 2025

Trying to decide what to do about your debt? Check out these bad debt payoff methods so you know what not to do.

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