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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.

For individuals and families trying to figure out how to pay off debts, American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, credit card reduction and consumer debt management services for consumers nationwide. Our certified credit counselors provide financial education for anyone wanting to learn how to get out of debt and how to eliminate credit card debt. As alternative to expensive debt restructuring services and credit card debt consolidation loans, our debt management plans are a kind of credit card relief program that have helped thousands of people pay down credit card debt by consolidating payments and reducing interest rates and finances charges. We also offer bankruptcy counseling, housing counseling and other financial education services for help getting out of debt.