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.

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

April 13, 2026

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

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

April 6, 2026

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

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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

April 6, 2026

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

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

April 10, 2026

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

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

March 26, 2026

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

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Is Debt Settlement Worth It?
Is Debt Settlement Worth It?

April 12, 2026

Debt settlement could be a powerful debt relief tool. Here's how to know whether it's the right option for you.

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How much does bankruptcy cost?
How Much Does Bankruptcy Cost?

April 14, 2026

Filing for bankruptcy can cost very little—or hit your wallet hard. Here’s what you need to know about the costs.

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Can I Surrender My Car If I Can't Afford the Loan?
Can I Surrender My Car If I Can’t Afford the Loan?

March 12, 2026

Can’t pay your auto loan? You don’t have to wait for the repo man. Learn how to decide whether to surrender your car.

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After The Holidays: Hardcore Ways to Get Your Budget Back on Track
After the Holidays: Hardcore Ways to Get Your Budget Back on Track

March 27, 2026

You can recover from holiday overspending and ditch your debt. Find out how to get your budget back on track.

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