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.

How to get out of credit card debt without ruining your credit
How to Stop Paying Credit Cards Legally

March 12, 2026

Getting rid of credit card debt without paying anything is very rare, but you might be able to repay less than the full amount. Our expert explains.

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3 Unexpected Costs of Raising a Kid
6 Unexpected Costs of Raising a Kid

March 24, 2026

Parenthood has lots of surprises—some fun, some not so much. Here are the unexpected costs to watch out for.

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How to Do a Debt Snowball
How to Do a Debt Snowball

March 24, 2026

Struggling to stay motivated while paying off debt? The debt snowball method could be the solution that energizes you.

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3 Ways to Pay Off Holiday Credit Card Debt Fast
How to Pay Off Holiday Credit Card Debt Fast

March 14, 2026

It’s easy to find yourself swamped by debt, especially after the holidays. If you’re wondering…

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How to Save $1,000 a Month
How to Save $1,000 a Month: These Money Moves Add Up

March 24, 2026

If you’re feeling overwhelmed, start small. Here are a few tips to save as much as $1,000 a month.

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How to Create an Emergency Fund by Snacking and Watching Movies
How to Create an Emergency Fund

March 24, 2026

Your emergency fund is one of the most important financial tools you can have. Here's how to build one.

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debt consolidation vs bankruptcy
Debt Consolidation vs. Bankruptcy: Which Is Better?

September 19, 2026

Debt consolidation and bankruptcy each offer a path through overwhelming debt, just in very different ways.

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6 Black Friday Tips to Get the Best Deals
6 Black Friday Tips to Get the Best Deals

October 8, 2026

Everyone wants the best deals leading up to the holidays. Check out these 6 Black Friday tips.

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Seven Easy Ways to Start Saving for Christmas
Seven Easy Ways to Save for Christmas

March 23, 2026

Saving for Christmas or the whole holiday season doesn't have to be a stressful endeavor…

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Budget family vacation
5 Ways to Take an Affordable Family Vacation This Summer

March 23, 2026

Here's how to take a family vacation without going into debt.

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