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.

4 Simple Ways to Improve Your Finances in 2019
4 Simple Ways to Improve Your Finances in 2025

July 23, 2025

Many people want to get financially healthy this year. If you're wondering how to improve…

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11 creative ways to save for emergencies when you're broke
11 Creative Ways to Save for Emergencies When You’re Broke

July 22, 2025

Being broke could make you a super-saver who builds wealth. Here’s how to save when you don’t have any to spare.

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3 Expert Tips for Raising Financially Responsible Kids
3 Expert Tips for Raising Financially Responsible Kids

August 1, 2025

Raising financially responsible kids is the goal of many parents. Learn three expert tips on…

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7 Good Financial Habits to Master
7 Good Financial Habits to Master

August 2, 2025

Having financial goals is important. Read more about 7 good financial habits to master in…

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5 Unexpected legal outcomes of ignoring credit card debt
5 Unexpected Legal Outcomes of Ignoring Credit Card Debt

August 1, 2025

Learn what might happen if you ignore your credit card debt, and the best ways to handle it.

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How to Talk to Your Partner About Shared Debt
How to Talk to Your Partner About Shared Debt

August 1, 2025

Here’s how to talk about debt with your partner so you can work together to conquer it.

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What to do if you're subject to wage garnishment for student loan debt
What to Do if You're Subject to Wage Garnishment for Student Loan Debt

August 2, 2025

Worried about your student loans? We’ll walk you through seven strategies to cope with default and wage garnishment.

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

August 2, 2025

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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How to Prepare for a Recession If You are Already Struggling
How to Prepare for a Recession If You are Already Struggling

August 2, 2025

How do you prepare for a recession when you already struggle financially? Even in tough…

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