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.

Five Apps to Help Save for Retirement
Five Apps to Help Save for Retirement

December 10, 2025

Retirement planning apps put saving, investing, and budgeting in the palm of your hand. Here are a few of the best.

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Why Did My Credit Score Drop
Why Did My Credit Score Drop?

December 18, 2025

Wondering “Why did my credit score drop”? You’re not alone. See the biggest reasons why credit scores go up or down.

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The Psychological Benefits of Settling Your Debts
The Psychological Benefits of Settling Your Debts 

December 8, 2025

Your debt could be affecting your mental health. Here’s what debt settlement can do to help.

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This Is the One Thing You Should Never Do When You're Dealing with Debt
This Is the One Thing You Should Never Do When You're Dealing with Debt

November 25, 2025

When you need a fistful of cash to fix a financial problem, there’s one cookie jar you shouldn’t reach into.

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Black Friday Savings and Shopping: 2020 Edition
Black Friday Savings and Shopping: 2025 Edition

December 10, 2025

Ready to stay in the black when you shop on Black Friday? Here are tips to save money and avoid debt.

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Credit counselor works with client
How Much Does Credit Counseling Cost?

December 12, 2025

Credit counseling could help you but it’s usually not free. Learn more here.

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When Can You Use a Credit Card Forbearance Program?
Credit Card Forbearance: Your Complete Guide to Pausing Payments in 2025

December 1, 2025

Credit card forbearance can offer temporary relief when you’re struggling. Find out more about how a forbearance program can get you back on your feet.

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The 3 Most Unexpected Costs of Owning a Home
The 3 Most Unexpected Costs of Owning a Home

December 8, 2025

We asked over 1,000 homeowners to tell us about the three most unexpected costs of…

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Don’t Let a Burrito Put You Into High-Interest Debt
Don’t Let a Burrito Put You Into High-Interest Debt. Beware of BNPL

December 3, 2025

Don’t pay more for your burrito. Learn how to avoid Buy Now, Pay Later (BNPL) for everyday purchases.

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Budget family vacation
5 Ways to Take an Affordable Family Vacation This Summer

December 8, 2025

How to take a family vacation without going into debt. Budget vacation options.

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