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.

Buying a Home in My 20s Was a Financial Disaster—Here’s How I Recovered
Buying a Home in My 20s Was a Financial Disaster—Here's How I Recovered

February 27, 2026

Even if home-buying messes up your finances, you can recover. Here’s how.

Read more
Personal Financial Planning for Your Financial Goals
Make Money for Your Holiday Budget Now with Work-from-Home Gigs

February 24, 2026

Want to have a richer holiday season without debt? Easy work-from-home gigs could earn you money for the holidays.

Read more
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.

Read more
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.

Read more
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.

Read more
Open Enrollment 2021: Do You Need an HSA?
Do You Need an HSA?

February 27, 2026

An HSA could lower your taxes while helping you avoid medical debt. Read on to see if an HSA is right for you.

Read more
Should you make multiple CC payments in a month
Should You Make Multiple Credit Card Payments in a Month?

February 27, 2026

Are you paying your credit card too often—or not often enough? Here's when to make one payment or multiple each month.

Read more
When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can
When You Need Quick Cash, Run Away From These Red Flags as Fast as You Can

February 27, 2026

Hidden fees, exorbitant interest rates, and high-pressure sales tactics—oh my! Avoid these lender red flags.

Read more
How to use hardship programs to temporarily suspend credit card payments
Can You Pause Credit Card Payments? Understanding Forbearance and Hardship Programs

February 27, 2026

Credit card hardship and forbearance programs might help you catch up on debt payments. Here’s how they work

Read more
10 Holiday Shopping Debt Traps You Need to Avoid
10 Holiday Shopping Debt Traps You Need to Avoid

February 24, 2026

Far too many people end up with holiday debt regrets, but you can avoid them with careful budgeting and smart shopping.

Read more