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 Your Debt Payoff Plan Isn’t Working (and How to Fix It)
Debt Payoff Plan Isn’t Working: How to Fix It

May 4, 2026

If your debt payoff plan is causing you frustration, we’ll show you some solutions to get on a successful path.

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Want to Get Out of Debt? Focus on This Number First
Want to Get Out of Debt? Focus on Your Income First

March 10, 2026

When you feel like your budget is as lean as it can be, attack debt from the other direction: increase your income. Here’s how.

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I Went From Late Payments to an 810 Credit Score. Here's How
I Went From Late Payments to an 810 Credit Score. Here's How

October 31, 2026

Can you move from late payments to excellent credit? Absolutely. Here's how I did it.

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Can the Lender Change the Interest Rate on My Personal Loan?
Can the Lender Change the Interest Rate on My Personal Loan?

October 31, 2026

If you’re wondering about the possibility of a rate hike on your personal loan, here’s what you need to know.

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Questions to Ask About Home Loans Before You Consolidate Debt
Questions to Ask About Home Loans Before You Consolidate Debt

October 31, 2026

A home equity loan could help you pay off debt. Learn the details before borrowing against your home.

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How to save when you buy furniture.
How to Save on Furniture

October 31, 2026

Furniture can be a big-ticket purchase, so you stand to save big if you can find lower-priced items. Find out how here.

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How to Avoid Wedding Debt
How to Avoid Wedding Debt

October 31, 2026

It’s easy to get caught up in the excitement of wedding planning and spend more…

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What’s Your Financial Next Normal?
What’s Your Financial Next Normal?

October 31, 2026

Manifest a better financial future, and take these steps to make it happen. Here are tips for creating your new financial normal.

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What Is the Community Reinvestment Act?
What Is the Community Reinvestment Act?

October 31, 2026

What is the CRA? What role does it play in social justice and how does…

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How to Buy a House with Bad Credit
How to Buy a House with Bad Credit

October 31, 2026

Bad credit doesn't need to stand in the way of your dream of homeownership.

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