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

How To Save Money With A Spring Garden

The weather is warming up and many homeowners are looking forward to getting their hands in the dirt and their gardens up and running. However, if you are budget conscious and looking to eliminate credit card debt it will be helpful to see some tips to raising a successful garden on a budget!

Create a spring garden - without derailing debt management efforts - with these tips.

Create a spring garden – without derailing debt management efforts – with these tips.

Tips For A Budget Friendly Spring Garden

Start With Some Research Planning Your Spring Garden

Before you start digging holes in your yard, look out for expert advice and information on topics like how to properly get your flower beds ready for planting, which plants grow and suit your area the best, and when and how to care for those plants as they grow. Pay attention to other factors such as climate and sun exposure. A little extra time planning out your garden with finer details will help you avoid spending any unnecessary money on your botanical project.

Choose Perennials Over Annuals

Choose perennials that will come back year after year. These are most suitable to cover larger grounds and fill bare spots in your garden. You can use annuals in conjunction to give a lush overall look. This way, the end result can be both beautiful and budget-friendly year-round.

Look for Used Gardening Tools Instead of New Ones

This is where online resources such as eBay and Craigslist can come in handy to save some extra dollars.  You can find cheap, sometimes free gardening tools & equipment through these websites. This will help you stay on budget. If you are new to the world of gardening, look into the possibility of borrowing some equipment from friends/family in the beginning without adding items to your shopping cart at the garden center.

Consider Growing Some Produce

Along with the beautiful flower beds, consider planting some fruit and vegetable seeds if space permits.  The money you spend on vegetable and herb seeds can potentially save you on the spring and summer grocery bill. Basil, parsley, tomatoes, cucumbers, and squash are fairly easy to grow and harvest.

Reuse/Recycle/DIY

These ideas seem like common terminology associated with a frugal lifestyle. Like in any other home project, a gardening project can use a lot of DIY, eco-friendly techniques. The internet can help you find out ways you can use things like plastic soda bottles, old boots, and old pots and pans to add character to your gardening venture.

With the change in seasons, a spring garden is not the only expense you will have to incur. When working towards your financial goal to eliminate credit card debt, keep that in mind and spend carefully on all of these types of projects. 

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.

 

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →

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: blog/how-to-save-spring-garden
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=how-to-save-spring-garden
Loaded Template: single.php