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.

Five Facts About Debt Collector Calls You Need to Know
Ten Facts About Debt Collector Calls You Need to Know

December 1, 2025

Don’t let debt collectors catch you off guard. Our guide covers everything you need to know when a debt collector calls.

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Does paying off credit card help credit score
Does Paying Off Your Credit Cards Help Your Credit Score?

December 18, 2025

Paying off your credit cards? Congrats! Here’s how that could impact your credit score for the better.

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What to Do When Your Spouse Loses Their Job
What to Do When Your Spouse Loses Their Job: A Complete Guide

December 5, 2025

Losing a job could throw your spouse and finances for a loop. Here’s how to cope.

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7 Ways to Cut Your Expenses When You Already Make Your Own Coffee
7 Ways to Cut Your Expenses When You Already Make Your Own Coffee

December 6, 2025

You eat at home and don’t buy coffee out. Now what? Here's how to save when you've already made the usual cuts.

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How to Cope and Consolidate Your Credit Card Debt When Unemployed
How to Handle Credit Card Debt When Unemployed: 7 Proven Strategies [2025 Guide]

December 18, 2025

Unemployment can throw a wrench in your financial plans. Debt relief could help you get back on your feet.

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Is 600 A Good Credit Score
Is a 600 Credit Score Bad?

December 18, 2025

While a 600 credit score isn't bad, you can improve it to earn more access to credit and cheaper interest rates.

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How to plan for financial emergencies while paying off debt
How to Plan for Financial Emergencies While Paying Off Debt

December 7, 2025

Budget, save a little, and pay down a little, and you can eventually be debt-free and ready for emergencies.

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How to Talk to Your Partner About Shared Debt
How to Talk to Your Partner About Shared Debt

December 2, 2025

Here’s how to talk about debt with your partner so you can work together to conquer it.

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Secured credit card vs Prepaid debit card
What’s the Difference Between a Secured Credit Card and a Prepaid Debit Card?

December 4, 2025

Secured credit cards and prepaid debit cards serve different purposes. Learn the differences.

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Can you cancel a debt settlement contract?
Can You Cancel a Debt Settlement Contract?

December 7, 2025

A reputable debt relief company won't give you a hard time about canceling. Here’s what to do.

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