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.

Budget billing graphic
What Is Budget Billing? A Guide to How It Works

March 10, 2026

Skip the bill shock—budget billing keeps your utility payments steady month after month.

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What Is the Community Reinvestment Act?
What Is the Community Reinvestment Act?

March 10, 2026

What is the CRA? What role does it play in social justice and how does…

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Which debt to pay off first
Which Debt Should You Pay Off First?

March 10, 2026

Take charge of your debt by choosing the first one to smash. We’ll help you learn how to prioritize your debt payoff order.

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What’s Your Financial Next Normal?
What’s Your Financial Next Normal?

March 10, 2026

Manifest a better financial future, and take these steps to make it happen. Here are tips for creating your new financial normal.

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Convenient Alternatives to Credit Cards
Convenient Alternatives to Credit Cards

March 10, 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 10, 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 10, 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 10, 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 11, 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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