Staff Writer

Karen Carlson

Karen Carlson is a personal finance expert and writer. Her financial advice has been published in Time, US News & World Report and Fox Business News. Carlson is an Emmy Award-winning producer of educational television and recent nominee for NFCC Financial Educator of the Year.

Text Message Program Terms & Conditions

By Karen Carlson | September 10, 2020

Effective date: January 22, 2021 The website recurring text message service (“Text Program”) is owned and operated by LLC. These Text Message Program Terms and Conditions (“Text Program…

Chalkboard with text that says "Post-Grad Credit Counseling"

About Us

By Karen Carlson | January 3, 2018

About We are a team of financial experts dedicated to helping people understand and overcome their debt. Who We Are is America’s Debt Help Organization, serving the public…

Chair in Sitting Room with Plants

How to Get the Best Interest Rate on a Mortgage

By Karen Carlson | September 20, 2017

In truth, landing a mortgage with the best interest rate isn’t all that tricky and shouldn’t be scary. But it is complicated, painstaking, serious business. After all, closing on a… – Disclaimer, Terms and Conditions of Use

By Karen Carlson | December 27, 2013

January 22, 2021 This website (“Website”) is operated by LLC (“”) and these terms and conditions apply to all websites and text message programs owned, operated, controlled and otherwise made…

Olaf Cake Topper

How to Host a Frugal Frozen Birthday Party

By Karen Carlson | September 15, 2014

I thought we could avoid it. I promoted alternatives. But it was inevitable. My daughter asked me to throw her a Frozen birthday party, like the half dozen we’d already…