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.

11 creative ways to save for emergencies when you're broke
11 Creative Ways to Save for Emergencies When You’re Broke

October 27, 2026

Being broke could make you a super-saver who builds wealth. Here’s how to save when you don’t have any to spare.

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Couponing: A Beginner’s Guide
Couponing: A Beginner’s Guide

August 5, 2026

If you have five minutes a week, you can likely cut your grocery bill with couponing. Here's how to get started.

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Automated Debt Collection
What to Do About Automated Debt Collection Calls

March 13, 2026

Many debt collection agencies send automated debt collection messages. Find out what you can do about it.

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How to Remove Old Debt From Your Credit Report
How to Remove Old Debt From Your Credit Report

April 13, 2026

Old debts can linger for years on your credit report. Here's when they should fall off—and what to do if they don't.

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How to Avoid Debt as a First-Year Homeowner
How to Avoid Debt as a First-Year Homeowner

October 24, 2026

Don’t fall victim to rookie mistakes. Here’s how to steer clear of debt in your first year of owning a home.

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Why is my credit score different on different sites
Why is My Credit Score Different on Different Sites?

October 31, 2026

Your credit score can vary depending on the time and source. Here's why they're different and which scores matter.

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Debt Relief Options
Debt Relief Options: How to Choose the Right Solution for Your Debt

September 16, 2026

You have more debt relief options than you might think, and this guide helps you find the right one.

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How to Improve Your Financial Health
How to Improve Your Financial Health

August 15, 2026

Your financial health is just as important as your physical health. Read these simple tips…

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What to Do When Your Spouse Loses Their Job
What to Do When Your Spouse Loses Their Job: A Complete Guide

August 13, 2026

Losing a job could throw your spouse and finances for a loop. Here’s how to cope.

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Should You Borrow Money from Friends and Family in Hard Times?
Should You Borrow Money from Friends and Family in Hard Times?

August 13, 2026

Borrowing money from friends and family can be tricky, but doable if you and your…

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