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.

Convenient Alternatives to Credit Cards
Convenient Alternatives to Credit Cards

March 28, 2026

Stay secure and in control of your money—see the best credit card alternatives for debt- and stress-free spending.

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Here's Why You Shouldn't Make Minimum Payments on a $10,000 Credit Card Balance
The Shocking Math: Here's Why You Shouldn't Make Minimum Payments on a $10,000 Credit Card Balance

March 28, 2026

Credit card minimum payments can keep you in debt for decades. Here’s how to avoid falling into the trap.

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Want to Get Out of Debt? Focus on This Number First
Want to Get Out of Debt? Focus on This Number First

March 28, 2026

When you feel like your budget is as lean as it can be, attack debt from the other direction: increase your income. Here’s how.

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401k loan to pay off credit card debt
Is it a Good Idea to Use a 401(k) Loan to Pay Off Your Credit Card Debt?

March 28, 2026

See the pros and cons of using a 401(k) loan to pay off credit card debt, plus possible alternatives.

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Maxed out credit cards
Maxed-Out Credit Cards: Why It's Bad and What to Do About It

March 28, 2026

Getting close to your credit limit? Already there? Here’s what happens next, and how to get it back under control.

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How to Understand and Conquer Financial Phobia
Fear of Debt

March 28, 2026

Getting around fear of debt can be key to financial thriving. Here’s how to move past it.

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What’s a Good Debt-to-Income Ratio?
How to Reduce Your Debt-to-Income Ratio

March 28, 2026

A lower debt-to-income ratio could help you get a loan and manage your bills more easily. Here’s how to get one.

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Should You File Your Taxes Early This Year?
Should You File Your Taxes Early This Year?

March 28, 2026

Filing early is the best way to fast-track your tax refund and thwart would-be thieves. Learn more.

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 statutes of limitation credit card
What’s the Statute of Limitations on Credit Card Debt? (Updated for 2025)

March 28, 2026

Creditors can’t come after you forever. Their power has an expiration date called the statute of limitations.

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Is Debt Relief Legit
Is Debt Relief Legit?

March 27, 2026

Legitimate debt relief companies exist—but so do scammers. Here's how to tell the difference.

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