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.

Tips to Defend Yourself Against Zombie Debt
Tips to Defend Yourself Against Zombie Debt

March 20, 2026

Sometimes debt comes back from the grave. Find out how to keep zombie debt from haunting your finances.

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man on mountain top
Perfect Credit: How to Get the Highest Credit Score

March 20, 2026

A perfect credit score of 850 makes every aspect of your financial life easier. Here's how to get there.

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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?

March 21, 2026

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

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Should a Credit Card Serve as Your Emergency Fund?
Should a Credit Card Serve as Your Emergency Fund?

March 21, 2026

An emergency fund keeps you covered when there are surprises. Here’s why a savings account is safer than a credit card.

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7 Ways to Cut Your Expenses When You Already Make Your Own Coffee
7 Ways to Cut Your Expenses When You Already Make Your Own Coffee

March 21, 2026

You eat at home and don’t buy coffee out. Now what? Here's how to save when you've already made the usual cuts.

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Will My Collection Accounts Ruin My Spouse’s Credit Score?
Will My Collection Accounts Ruin My Spouse’s Credit Score?

March 21, 2026

Your credit score only belongs to you—but how you handle credit could affect your spouse. Here’s how.

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Raise Credit Score by 100 Points Overnight
Can You Raise Your Credit Score 100 Points Overnight?

March 22, 2026

You might be surprised at how quickly your credit score could jump. Here are a few moves that could get you big points fast.

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What Happens If You’re Deep in Debt But Still Have Good Credit?
What Happens If You’re Deep in Debt But Still Have Good Credit?

March 22, 2026

Getting debt help might tank your credit score. But being debt-free is still worth it—you can rebuild your credit.

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Debt Reduction Program Pros and Cons
Debt Reduction Program Pros and Cons: How to Find the Right Solution for Your Financial Situation

March 22, 2026

If you’re facing financial hardship, a debt reduction program could help. Learn the pros and cons.

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