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.

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

August 30, 2025

You want to pay off debt, but you also want to retire someday. Learn how you could do both.

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Which debt should I pay off first?
Which Debt Should I Pay Off First?

August 30, 2025

A road trip starts with figuring out the route, and the same is true for your debt payoff journey.

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What Is Wage Garnishment?
What Is Wage Garnishment?

September 12, 2025

Wage garnishment can reduce your paychecks. Here’s how a creditor does it, and what you could do in response.

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Forget $5 Coffees
Forget $5 Coffees. Here's How to Save Big Money and Slash Your Debt

September 12, 2025

Cutting back on coffee could help you get out of debt. But here’s how to make even bigger moves.

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How to plan for financial emergencies while paying off debt
How to Plan for Financial Emergencies While Paying Off Debt

August 30, 2025

Budget, save a little, and pay down a little, and you can eventually be debt-free and ready for emergencies.

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When Can a Credit Card Issuer Change My Interest Rate
When Can a Credit Card Issuer Change My Interest Rate?

September 12, 2025

Credit card issuers can raise your interest rate, but there are rules they need to follow. Find out more.

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The Pros and Cons of Loan Refinancing
Loan Refinancing Explained

September 18, 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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Top 5 Tough Conversations that Could Help You Put Debt Behind You
Top 5 Tough Conversations that Could Help You Put Debt Behind You

September 19, 2025

Getting out of debt faster isn’t just about cash—it’s about having the right conversations. Start with these.

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10 Ways to Clean Up Your Finances
10 Ways to Clean Up Your Finances

September 14, 2025

Start the year off right with our 10 favorite money tips, from maxing out your…

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How much debt can be forgiven with debt settlement
How Much Debt Can Be Forgiven With Debt Settlement?

September 4, 2025

Got too much debt? Here’s how debt settlement might help.

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