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.

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

March 22, 2026

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

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Maxed Out Credit Card? Here Are Your Options
Maxed Out Credit Card? Here Are Your Options

April 1, 2026

Need to pay down maxed-out credit cards? Here's how to handle it.

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Your First Credit Card
Your First Credit Card: How to Choose It, How to Use It

April 1, 2026

Your first credit card can level up your financial game. Here’s how to choose it and use it.

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How to Cope and Consolidate Your Credit Card Debt When Unemployed
How to Handle Credit Card Debt When Unemployed: 7 Proven Strategies

October 29, 2026

Unemployment can throw a wrench in your financial plans. Debt relief could help you get back on your feet.

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What Happens if I Miss a Loan Payment?
What Happens if I Miss a Loan Payment?

March 11, 2026

Missed loan payments can happen to the best of us. Here's what happens when you miss a payment, and how to avoid it.

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Credit Card Interest Rate Cap
Credit Card Interest Rate Cap—Will It Fix Your Problems?

March 11, 2026

A proposed 10% cap on credit card rates might not help as much as it seems. Here’s what you can do instead.

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Pros and Cons of Balance Transfers
Pros and Cons of Balance Transfers

March 11, 2026

There’s good and bad with balance transfer cards. Learn the details that can help you choose whether to use them.

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How Big Should My Emergency Fund Be if I Want to Avoid Debt?
How Big Should My Emergency Fund Be if I Want to Avoid Debt?

April 2, 2026

Your emergency fund could shield you from debt. Read on to see how much savings it takes to stay debt-free.

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How to Use Credit Cards Wisely
Can I Still Use My Credit Card After Debt Settlement?

March 15, 2026

Debt settlement doesn’t mean you’ll never use credit cards again. We’ll walk you through the process to rebuild.

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Personal Financial Planning for Your Financial Goals
12 Smart Money Management Tips to See You Through the Rest of the Year

October 24, 2026

Ready to finish the year strong? We have 12 smart money tips to get you there.

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