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.

Is Your Financial Stress at an All Time High?
3 Reasons Your Financial Stress Is At an All-Time High

October 24, 2026

Even if your financial stress is at an all time high, there are ways to…

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What Is the Average Credit Card Balance in the U.S.
What Is the Average Credit Card Balance in the U.S.?

March 12, 2026

Five-figure credit card debt is common. Find out what you could do about it.

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Car Loan for Bad Credit
Car Loan for Bad Credit: Should You Bite?

October 26, 2026

Having poor credit could double or even triple your APR on a car loan. Here’s how to make your loan more affordable.

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Government Building
How Can I Find Government Credit Card Debt Relief Programs?

October 26, 2026

Ads about government credit card relief may be a sham, but don't worry. There are plenty of other options.

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Snowball vs. Avalanche Method
Snowball vs. Avalanche Method: Your Total Cost

October 27, 2026

The debt snowball approach focuses on psychology not math, but how big is the cost of choosing it over alternatives?

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What Happens if You Don't Pay Your Student Loans?
What Happens If You Don’t Pay Your Student Loan?

October 27, 2026

Student loans don’t just go away if you ignore them. See what happens if you don’t pay your student loan.

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Could Zombie Foreclosure Happen to You?
Could Zombie Foreclosure Happen To You? Don't Make This One Big Mistake

October 27, 2026

Have an old unpaid second mortgage? You might hear from debt collectors. See how to avoid zombie foreclosure.

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Cheap Christmas Ideas That Capture the Holiday Joy
Cheap Christmas Ideas That Capture the Holiday Joy

October 27, 2026

Want to avoid overspending this holiday season? Check out these cheap Christmas ideas that capture the holiday joy.

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Why Did My Credit Score Drop
Why Did My Credit Score Drop?

October 27, 2026

Wondering “Why did my credit score drop”? You’re not alone. See the biggest reasons why credit scores go up or down.

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Short-Term Financial Goals That Could Improve Your Financial Life This Year
Short-Term Financial Goals That Could Improve Your Financial Life This Year

October 27, 2026

Ready to improve your finances this year? Prioritizing these short-term financial goals could help.

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