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.

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

December 13, 2025

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

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What are Credit Card Debt Relief Programs?
What are Credit Card Debt Relief Programs?

December 8, 2025

Ready to get rid of your credit card debt? A credit card debt relief program could be the right option for you.

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Debt Relief Options
6 Real-Life Ways to Get Rid of Debt Faster

December 17, 2025

Was your debt caused by a short-term crisis or long-term budget problems? Explore these debt relief options.

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Stay Debt Free This Holiday Season
Stay Debt Free This Holiday Season

December 15, 2025

Even if money is tight this year, you can enjoy the holidays without debt. Find…

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How to Feel Rich During the Holidays Without Going Into Debt
How to Enjoy the Holidays Without Debt

December 16, 2025

Even if you don’t make a ton of money, you can still feel rich during…

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5 Tips for Talking to Your Partner about Debt
How Couples Get Out of Debt

December 8, 2025

Tackling debt together could help you financially—and in communicating as a couple. Read on for tips.

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Is debt consolidation a good idea?
Is Debt Consolidation a Good Idea?

December 17, 2025

Debt consolidation could make your debt burden easier to handle. Decide if it’s an option for your situation.

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Debt Settlement, Taxes, and Your 2018 Filing
Debt Settlement Taxes: Understanding the Tax Implications of Forgiven Debt [Updated for 2025]

December 6, 2025

One of the last steps in negotiating debt is figuring out your potential tax bill. Learn about debt settlement taxes here.

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How to get out of credit card debt without ruining your credit
How to Get Out of Credit Card Debt Without Ruining Your Credit

December 6, 2025

Smart debt payoff strategies could free you from credit card stress while you protect your credit score.

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