Nobody’s perfect. When it comes to personal finances, this statement rings especially true. By making yourself aware of the common financial blunders that people make, you may just be able to avoid making them yourself which can help eliminate debt even faster. Here are some of the most common money mistakes to avoid. American Consumer Credit Counseling can give you debt guidance. 6 Money Mistakes People Make Ignoring bills once they’ve been automated Automating your bills is an efficient way to make sure that everything gets paid on time, especially if you’re in debt management. It als ..read more

A credit score is a crucial factor in determining one’s financial health. It can determine if you are approved for a loan, apartment, or job. However, approximately 26 million Americans have no credit history, making it difficult for them to establish their creditworthiness. Without a credit history, it is challenging to obtain credit cards, loans, or mortgages. Fortunately, secured credit cards are a great option for building or rebuilding credit. Before you get one though, our credit counseling advice is to make sure you understand how they work. Let’s explore secured credit cards and how th ..read more

Financial distress can come into your life at unexpected times for various reasons. When it does, you may have to take extreme measures to resolve it. Bankruptcy is often the last resort to overcome financial hurdles. Although the term can be scary, it may just be the best option to deal with your financial troubles. Therefore, having the right information can guide you through the necessary bankruptcy support and potential debt advice. With the right bankruptcy support find your way to relieve consumer debt. Why Bankruptcy Happens Financial distress can happen to anyone, at any time, for a ..read more

Managing debt can be overwhelming and stressful for many individuals. Debt can pile up quickly, and keeping up with payments can be difficult. It can really begin to feel like there’s no end in sight. Luckily, there are several debt management strategies you can try. However, they’re not all created equal. Choosing the right strategy for your financial situation can make a difference in your journey to becoming debt-free. If you’re struggling to pick a debt management strategy, contact ACCC for further guidance. Debt Consolidation Debt consolidation is one of the most popular debt management ..read more

Using discount coupons can be a great way to save money on products and services you regularly use, especially when you’re on a tight budget or working towards debt management. While some people swear by couponing and are able to get a cart full of groceries for pennies on the dollar, using coupons might not always make sense for everyone. Discount coupons can help you save money to pay off debt. Coupons are were stimulate sales, promote new products, and move inventory. While they can indeed help you save money, it’s important to use them wisely, particularly when you’re trying to pay off d ..read more

Happy St. Patrick’s Day! A day when the beer is green, bagpipes echo through the air, and everyone is Irish. Between the corned beef dinners and bar-hopping, you may find yourself spending more money than you intended. For those of us in debt management, this happy-go-lucky spending spree can only worsen our credit problems. If you’re looking to connect with your Irish roots on a budget, here’s how to save money. If you’re in debt management, try these tips to save money on St. Patrick’s Day. Tips to Save Money on St. Patrick’s Day Skip the bars and party at home. Have a BYOB party wit ..read more

Individuals with personal financial struggles always try to find answers to questions such as “”How to become debt free?” and “How to get rid of credit card debt?” Therefore, learning the ways of successful savers can help someone get out of the debt struggle. Avoiding debt – or paying it off – is easier with these successful savers’ tips. Secrets of Successful Savers Create a Workable Budget Becoming a successful saver requires the organization of your money. Hence, the perfect start to this process is to create a workable, realistic budget. To create a budget you must: Calculate ..read more

Financial goals can often be daunting. Save for a new car. Save for a down payment on a house. Save to pay off credit card debt. These are all goals that most consumers will strive for, and they are all significant expenses. On the surface, these are all huge undertakings. So how do you even begin to work towards achieving any of your big financial goals? Take small steps. Our credit counseling belief is that small changes can help with goals. Any worthwhile goal is going to take commitment on your part. However, there is no commitment you can make that will instantly give you the ..read more

March is a whole new month and a whole new budget. Hopefully, you have been trying to anticipate these extra costs since the start of this series. Our credit counseling advice is to prepare for additional expenses ahead of time to avoid credit card debt. Here are a few examples of unexpected March budget items to consider as you prepare your monthly budget. Avoid credit card debt by saving for these March expenses. March Budget Items to Consider Spring is right around the corner. March is the start of some milder weather. School half over for the semester. All things point to summer. Take a ..read more

People struggling with credit card debt are likely looking for any available solution or strategy to help them get out. However, with so many different services, companies, and recommended techniques to get out of debt, it can be intimidating and difficult to find the right debt management solution. There are several different options to help consumers get out of debt. One such service is consolidating debts. Debt consolidation vs. debt management program. How Does Debt Consolidation Work? Debt consolidation is essentially taking out one large loan in order to repay your other debt ..read more