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.

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Credit Card Counseling Pros and Cons: A Complete Analysis for 2025

March 16, 2026

Credit counselors can help a lot, but they have their limits. Learn the credit counseling pros and cons in our guide.

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Negative Bank Account
How to Clear a Negative Balance in Your Bank Account: Step-by-Step Guide

March 16, 2026

If your bank account is in the negative, it can cost you money. Find out how to clear a negative bank balance here.

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How to Use Credit Cards Wisely
Can I Still Use My Credit Card After Debt Settlement?

March 16, 2026

Debt settlement doesn’t mean you’ll never use credit cards again. We’ll walk you through the process to rebuild.

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5 Smart Ways to Spend Your 2020 Tax Refund
5 Smart Ways to Spend Your Tax Refund

March 16, 2026

There are so many things you can do with a tax refund, but what should…

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Best Apps to Help Pay Off Student Loans Faster
Best Apps to Help Pay Off Student Loans Faster

March 15, 2026

Overdue on student loans? Need to pay off debt? These student loan apps can help get rid of debt faster.

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The Credit Card Sign Up Bonus: Too Good to Be True?
The Credit Card Sign-Up Bonus: Worth It?

March 16, 2026

Free money, or a way to lure you deeper into debt? Here is what you…

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Is Student Loan Debt Forgiveness Coming?
Is Student Loan Debt Forgiveness Coming?

March 15, 2026

Student loan forgiveness isn't guaranteed. Find out how to cope with student debt.

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Is a Balance Transfer Card Harder to Get Right Now?
Is a Balance Transfer Card Harder to Get Right Now?

March 15, 2026

It might actually be easier to get a balance transfer card now. Find out more.

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Should Your Company Reimburse Work-From-Home Expenses?
Do Companies Have to Reimburse Work-From-Home Expenses in Your State?

March 15, 2026

Should your employer pick up the tab for your home office chair or new coffee maker? Well, maybe.

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The Psychological Benefits of Settling Your Debts
The Psychological Benefits of Settling Your Debts 

March 15, 2026

Your debt could be affecting your mental health. Here’s what debt settlement can do to help.

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