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.

Black Friday Savings and Shopping: 2020 Edition
Black Friday Savings and Shopping: 2025 Edition

January 30, 2026

Ready to stay in the black when you shop on Black Friday? Here are tips to save money and avoid debt.

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How Depression Might Affect Spending and Debt
How Depression Affects Debt and Spending

January 30, 2026

Depression can make it harder to do even simple financial tasks. Here are some tips…

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Auto Loan Debt Relief
Auto Loan Debt Relief: How It Works and Who It's Right For

January 30, 2026

Auto loan debt relief could help you get back on stable financial footing. Learn more about the five top strategies.

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Does Debt Relief Cancel Credit Cards?
Does Debt Relief Cancel Credit Cards?

January 30, 2026

Even with debt relief you might still be able to have access to one of your credit cards. We’ll explain how.

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7 Ways to Save More for Retirement, Starting Now
7 Ways to Save More for Retirement, Starting Now

January 30, 2026

For more financial security in your golden years, follow these seven simple steps to save more for retirement, starting today.

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Did Delinquent Student Loans Make Your Credit Score Plunge
Did Delinquent Student Loans Make Your Credit Score Plunge? Here's What to Do Next

January 30, 2026

Got delinquent federal student loans? You have options. See how to get back on track and get on with your life.

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7 Steps to Prepare For the Debt Settlement Process
7 Steps to Prepare For the Debt Settlement Process

January 30, 2026

Getting ready for the debt settlement process? Find tips for success here.

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Is a Debt Relief Program a Good Idea for You
Is a Debt Relief Program a Good Idea for You?

January 30, 2026

A debt relief program could help you get rid of your debt for less than you owe. But is the right move?

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3 Money Management Mistakes to Avoid
Money Management Mistakes to Avoid

January 30, 2026

If you feel like your finances are stuck in neutral, you might be making these common money management mistakes.

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Debt Relief Options
Credit Counseling vs. Debt Relief vs. Bankruptcy: Which Option Is Right for You? [2025 Guide]

January 30, 2026

When you’re drowning in debt, you have options. Learn how to choose the debt solution that fits best.

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