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.

Why Knowing How to Cut Expenses Isn't Enough to Get You Out of Debt
Knowing How to Reduce Monthly Expenses to Pay Off Debt Isn't Enough

May 2, 2026

If you’ve cut all you can and it’s not enough, check out these other ways to handle debt.

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Debt Consolidation Methods
Debt Consolidation Methods

October 26, 2026

Consolidating your debt could simplify your debt payments. Learn more about the most common debt consolidation methods.

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Car Loan Refinance
Car Loan Refinance: Is It Worth It to Get a Lower Payment?

October 26, 2026

Think about more than just rates when you consider refinancing your car loan. We’ll show you how to compare offers.

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What Happens to Debt in a Divorce?
What Happens to Debt in a Divorce?

October 26, 2026

Did your marriage include debts as well as assets? Here's what typically happens to debts when you get divorced.

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How to Feel Rich During the Holidays Without Going Into Debt
How to Enjoy the Holidays Without Debt

October 26, 2026

Even if you don’t make a ton of money, you can still feel rich during…

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Dropping All Your Fun Spending Isn't the Best Way to Deal With Credit Card Debt
Dropping All Your Fun Spending Isn't the Best Way to Deal With Credit Card Debt

October 31, 2026

You probably aren't going to be able to live on a bare-bones budget for long. Try these options instead.

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Do Consolidation Loans Hurt Your Credit
Do Consolidation Loans Hurt Your Credit?

October 23, 2026

Consolidation could hurt or help your score. Here’s how to tell when it’s the right choice for you.

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Does Credit Utilization Matter if You Pay in Full?
Does Credit Utilization Matter If You Pay in Full?

October 30, 2026

You can pay off your full statement balance and still get dinged for credit utilization.

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How to Pay Off Multiple Credit Cards
How to Pay Off Multiple Credit Cards

October 23, 2026

Struggling with multiple credit card debts? Don’t worry. You have choices. Professionals could help, too. Learn how.

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What Is High-Interest Debt?
What Is High-Interest Debt?

October 23, 2026

High-interest debt can cost you a lot, quickly. Here’s what to do about it.

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