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.

What is Your Household Debt?
How Household Debt Impacts Your Everyday Life

March 18, 2026

When savings are not enough, debt can help fund the expenses of life. But debt is not always the right solution. Learn more about using household debt effectively.

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Don’t Let a Burrito Put You Into High-Interest Debt
Don’t Let a Burrito Put You Into High-Interest Debt. Beware of BNPL

March 18, 2026

Don’t pay more for your burrito. Learn how to avoid Buy Now, Pay Later (BNPL) for everyday purchases.

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How Does Student Loan Forbearance Affect Your Credit Score?
How Does Student Loan Forbearance Affect Your Credit Score?

March 18, 2026

Student loan forbearance differs with federal and private loans. Here’s how both can affect your credit score.

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Secured credit card vs Prepaid debit card
What’s the Difference Between a Secured Credit Card and a Prepaid Debit Card?

March 18, 2026

Secured credit cards and prepaid debit cards serve different purposes. Learn the differences.

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Freedom-Debt-Relief White-Background
DIY Debt Solutions

February 19, 2026

If you’re ready to tackle debt, you’ve got the power. Here’s how to approach DIY debt payoff.

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Tips to Get the Best Interest Rate When Consolidating Your Debt
Tips to Get the Best Interest Rate When Consolidating Your Debt

February 19, 2026

The right approach to consolidating your debt could save you big time on interest.

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5 Ways to Improve Your Financial Literacy
6 Ways to Improve Your Financial Literacy

February 19, 2026

If you have made it a goal to learn more about personal finance, then you…

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Open Enrollment 2021: 7 Ways to Save Money on Healthcare Next Year
7 Ways to Save Money on Healthcare

February 23, 2026

Healthcare bills aren't set in stone. Here are seven ways you could reduce your healthcare costs.

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How to rebuild financial confidence after debt relief
How to Rebuild Financial Confidence After Debt Relief

March 7, 2026

Debt relief can get your finances back on track, but you might need a little help to boost your money confidence.

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Debt Settlement, Taxes, and Your 2018 Filing
Debt Settlement Taxes: Understanding the Tax Implications of Forgiven Debt [Updated for 2025]

February 19, 2026

One of the last steps in negotiating debt is figuring out your potential tax bill. Learn about debt settlement taxes here.

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