If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.

×

ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Resources & Tools

Budgeting For The Holidays

Although the holidays bring cheer and celebrations, they also bring stress to many especially when it comes to finances. The key to enjoying an affordable holiday season is creating a budget that covers all expenses from gift giving to hosting a holiday party to cooking a meal for all of your family and friends. Sticking to a realistic budget will allow you to make the most of the money you have available and prevent you from overspending. If you plan and create a budget far enough in advance, you will have time to save more, shop around for the best deals, prepare for bills in the new year, and most importantly remain organized and stress free.

Creating a Budget

Start by considering all of your expenses this holiday season. Think about if you will be hosting a holiday party, what you will bring to holiday parties you plan to attend, new holiday clothes, gift wrapping supplies, travel, and any charitable donations you plan to make. Take some time and fill out our Holiday Budget Worksheet to get an estimate of how much you plan to spend.

Holiday Budget

Click here to download the Holiday Budget Worksheet (pdf)
Click here to download the Holiday Budget Worksheet (excel)

Next, fill out our Gift-Giving Guide to create a realistic list of who you want to buy gifts for and what you plan to give them. Use this guide to stay organized and keep track of your progress and spending.

Holiday Shopping Checklist

Click here to download the Holiday Shopping Checklist

creditU

Say goodbye to the burden of debt

Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.

CreditU Apple App Store CreditU Google Play
Dev Tool:

Request: debt-resources-tools/budgeting/budgeting-information/holiday-budgeting
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=budgeting/budgeting-information&debt-resources=holiday-budgeting
Loaded Template: single-debt-resources.php