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.

Moving Back in With Mom and Dad — How to Make the Money Work
Moving Back in With Mom and Dad: How to Make the Money Work

March 7, 2026

Want to save big money on rent? Moving in with Mom and Dad could help. But here’s the right way to do it.

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Tips on paying off credit card debt
Tips for Paying Off Credit Cards

March 8, 2026

Learn payment methods and debt management techniques for paying off credit card debt faster and for less money.

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What Is a Pay-for-Delete Agreement?
What Is a Pay-for-Delete Agreement?

March 8, 2026

No one wants negative information on their credit report. Can pay-for-delete really help you get rid of it?

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IRS scam phone call
Scam? The Tax Debt Compromise Program Phone Call

March 7, 2026

Got a robocall about settling tax debt? Learn the difference between legit IRS programs and costly tax relief scams.

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What Is Envelope Budgeting
What Is Envelope Budgeting?

March 8, 2026

Envelope budgeting could make managing your finances a lot easier. Here's how to get started.

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Recovering from a Contractor Gone Wrong…Without Bankruptcy
Recovering from a Contractor Gone Wrong…Without Bankruptcy

March 7, 2026

When a contractor takes you for a ride, you have options to fix your finances. Find out more.

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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]

March 7, 2026

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

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SBA debt relief
How to Settle SBA Loan Debt: Complete Guide to Debt Relief Options

March 8, 2026

It's possible to settle your SBA loans. Here's how to get started.

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

March 7, 2026

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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Is an authorized user responsible for debt
Is An Authorized User Responsible For Debt?

March 8, 2026

Authorized users aren't usually responsible for debt, but there are a few exceptions. Learn when you need to pay.

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