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.

Does Paying the Minimum Payment Hurt Your Credit Score?
Does Paying the Minimum Payment Hurt Your Credit Score?

March 1, 2026

Minimum credit card payments mean more interest could impact your credit score. Find out why your payments matter.

Read more
Credit Invisible
Credit Invisible: What Is It and What Can You Do About It?

March 2, 2026

Without a credit history, you're practically invisible. Keep reading to learn how to be seen and admired.

Read more
Debt Avalanche Method Instructions
Debt Avalanche Method Instructions

March 2, 2026

A debt avalanche could save you time and money when paying off credit card debt. Learn how it works here.

Read more
Can My Social Security Be Garnished
Can Social Security Benefits Be Taken If You Have Unpaid Debt?

March 2, 2026

Are your Social Security benefits at risk if you don't pay creditors? See which benefits are protected from garnishment.

Read more
7 Smart Ways to Use Your Credit Cards in a Recession
8 Smart Ways to Use Your Credit Cards in a Recession

March 2, 2026

Different times call for different spending strategies. Here are the best ways to use credit cards in a recession.

Read more
How much debt can be forgiven with debt settlement
How Much Debt Can Be Forgiven With Debt Settlement?

March 7, 2026

Got too much debt? Here’s how debt settlement might help.

Read more
How to Pay Off Multiple Credit Cards
How to Pay Off Multiple Credit Cards

March 1, 2026

Struggling with multiple credit card debts? Don’t worry. You have choices. Professionals could help, too. Learn how.

Read more
Baby Budget
Baby Budget: How New Parents Can Avoid Debt

March 1, 2026

Babies are cute—and expensive. Here’s how to budget as a new parent and steer clear of debt.

Read more
How to Motivate Your Spouse to Pay Off Debt
How to Motivate Your Spouse to Pay Off Debt

March 2, 2026

Working with your spouse to pay off debt can increase your chance of success. Here’s how to get motivated.

Read more
How to Pay Off Debt When You Can Only Work Part-Time
How to Pay Off Debt When You Can Only Work Part-Time

March 2, 2026

A part-time salary doesn’t have to stop you from becoming debt-free.

Read more