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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Should you pay off debt or save for retirement first?
Should You Pay Off Debt or Save for Retirement First?

October 8, 2026

A clear priority order helps you pay off debt and build retirement savings without picking just one goal over the other.

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5 Strategies to Help Manage Small Business Debt
6 Strategies to Help Manage Small Business Debt

March 20, 2026

If your small business cash flow has taken a hit, here’s how to get strategic about small business debt reduction.

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

March 19, 2026

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

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Freedom-Debt-Relief White-Background
DIY Debt Solutions

March 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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