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.

How to create a bare-bones budget when you're in debt
How to Create a Bare-Bones Budget When You’re in Debt

March 1, 2026

Want to stop overspending? Learn how to create a bare-bones budget.

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Is Making Multiple Payments on Credit Cards Bad?
Is Making Multiple Payments on Credit Cards Bad?

March 2, 2026

Splitting up card payments might help the budget, but is there a downside? Here's what happens with multiple payments.

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 Is a Credit Card Secured or Unsecured Deb
Is a Credit Card Secured or Unsecured Debt?

March 2, 2026

Not sure whether a secured or unsecured card is right for you? Here’s how to make the right choice.

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How to prioritize debt payments in your budget
How to Prioritize Debt Payments in Your Budget

March 1, 2026

Learn how to set up your budget, maintain your priorities, and make that debt go away.

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4 numbers to know before you consolidate your debt
4 Numbers to Know Before You Consolidate Your Debt

March 1, 2026

Make the best possible debt consolidation decision (and dodge roadblocks) by knowing these four numbers.

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Government Shutdown: What Can Federal Workers Do If They Can't Pay Their Bills?
Government Shutdown: What Can Federal Workers Do If They Can't Pay Their Bills?

March 1, 2026

If you're facing a temporary pause to your paychecks during a government shutdown, what can you do?

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8 Questions to Ask Yourself Before Refinancing a Student Loan
8 Questions to Ask Yourself Before Refinancing a Student Loan

March 2, 2026

Looking to refinance an old student loan with a new one? Ask yourself these eight vital questions first.

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Reasons to Choose a Debt Consolidation Loan vs. a Balance Transfer Card
5 Reasons to Choose a Debt Consolidation Loan vs. a Balance Transfer Card

March 2, 2026

Balance transfer cards get a lot of attention. Here’s why a debt consolidation loan might be better.

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How to Save Your Home From Foreclosure
How to Save Your Home from Foreclosure

March 2, 2026

If foreclosure is a possibility, stay calm and consider Chapter 13 bankruptcy. Here’s how it could help save your home.

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How to Avoid Debt as a First-Year Homeowner
How to Avoid Debt as a First-Year Homeowner

March 2, 2026

Don’t fall victim to rookie mistakes. Here’s how to steer clear of debt in your first year of owning a home.

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