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.

7 Ways to Save More for Retirement, Starting Now
7 Ways to Save More for Retirement, Starting Now

December 11, 2025

For more financial security in your golden years, follow these seven simple steps to save more for retirement, starting today.

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Commercial Loan
What Is a Commercial Loan?

December 8, 2025

Commercial loans can help you take your business to the next level. Here's what you need to know about them.

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Will My Collection Accounts Ruin My Spouse’s Credit Score?
Will My Collection Accounts Ruin My Spouse’s Credit Score?

December 6, 2025

Your credit score only belongs to you—but how you handle credit could affect your spouse. Here’s how.

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Credit Card Debt Lawyer
Getting a Lawyer for Credit Card Debt: Fees and When It’s Worth It

December 5, 2025

Debt lawyers specialize in law concerning the collection of debt. If you loan money to someone, you may use a debt lawyer to file a lawsuit to collect it.

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FDR article counseling ar-min
Credit Card Counseling Pros and Cons: A Complete Analysis for 2025

December 4, 2025

Credit counselors can help a lot, but they have their limits. Learn the credit counseling pros and cons in our guide.

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man on mountain top
Perfect Credit: How to Get the Highest Credit Score

December 5, 2025

A perfect credit score of 850 makes every aspect of your financial life easier. Here's how to get there.

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60% of Americans Aren’t Saving Enough for Retirement
60% of Americans Aren’t Saving Enough for Retirement

December 5, 2025

You may be behind on retirement savings now, but it doesn't have to be that way forever.

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Do You Really Need a 20% Down Payment?
Do You Really Need a 20% Down Payment?

December 12, 2025

Don’t buy into the 20% down payment myth. There are other options, and some may be right for you.

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The Pros and Cons of Loan Refinancing
Loan Refinancing Explained

December 3, 2025

Lower the rate. Lower the payment. Get cash for an important expense. These are just some of the reasons people refinance.

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Cheap Christmas Ideas That Capture the Holiday Joy
Cheap Christmas Ideas That Capture the Holiday Joy

December 17, 2025

Want to avoid overspending this holiday season? Check out these cheap Christmas ideas that capture the holiday joy.

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