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Saving for a goal – Calculator

Whether you are planning to save for a vacation, new computer, or college education, and regardless of how far ahead you are planning, it’s important to have goals. You never want to rely on going into credit card debt that you cannot pay back in a timely manner to make a purchase. When it comes to setting financial goals, your goals should be SMART – specific, measurable, achievable, realistic, and timely. Your goals can be categorized by short, mid, and long-term goals. It’s important to realize that a saving a million dollars is not a feasible short or mid-term goal. Download ACCC’s free financial workbook here for a full financial goals worksheet as well as worksheets on everything from daily expense tracking and bill paying to household inventories, bank account comparisons, and credit card debt to income ratios and credit card option comparison.

The new year is always a time of resolution so it’s no surprise that many people decide to set their financial goals during the month of January. When setting financial resolutions for the new year, consider the advice that ACCC’s President and CEO offers in this Talking Cents blog post.

 
 
American Consumer Credit Counseling is a non-profit credit counseling and debt relief company dedicated to helping consumers with solutions for paying off credit card debt and eliminating debt for good. We offer free credit counseling and low-cost debt management services that can help pay off unsecured credit card debt quickly – usually within five years or less. After reviewing a client’s financial situation, our counselors discuss all the possibilities for finding unsecured debt relief. We can offer debt consolidation advice, explain how debt negotiation works, or discuss the pros and cons of debt settlement solutions vs. credit card consolidation offers. We can also enroll consumers in a low-cost debt management plan, one of the most effective methods for anyone who wants to know how to pay off credit cards fast. And we can provide the pre-bankruptcy credit counseling certification and post-bankruptcy debtor education required by the courts in bankruptcy cases.