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.

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

October 24, 2026

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

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What Happens When a Credit Card Goes to Collections
What Happens When a Credit Card Goes to Collections?

March 13, 2026

Got a credit card collections call? You're not alone. Here's how to handle it.

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Student Loan Forgiveness
Student Loan Forgiveness

October 31, 2026

From federal forgiveness programs to debt settlement, see what you can do to wipe out your student loan debt.

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What Is the Debt Snowball Method
What Is the Debt Snowball Method?

October 24, 2026

The debt snowball method could help you stay motivated while you knock out one debt at a time until your debts are gone.

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The 3-6-9 Emergency Fund
The 3-6-9 Emergency Fund: How Much Do You Really Need?

October 25, 2026

Is three months' bills enough saved? Here’s how to know how much to put in your emergency fund.

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Denied credit card
Denied a Credit Card? Here’s What to Do Next

October 24, 2026

Card denial isn’t the end of the story—use it as a step toward stronger credit and future approvals.

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

October 24, 2026

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

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

October 24, 2026

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

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Low-Budget Wedding Ideas
Low-Budget Wedding Ideas When You Want to Avoid Debt

October 25, 2026

You don't have to spend a lot of money on a wedding. To avoid wedding debt, check out these low-budget wedding ideas.

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Couples and Money
Couples and Money: How and Why to Get on the Same Page About Debt

October 25, 2026

Couples often benefit from talking about money. Here's how and why couples should get on the same page about debt.

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