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

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


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.


10 Ways to Save Money This Summer

As summer approaches, the thought of saving money might seem impossible next to all the fun plans you are making. However, it could be the perfect opportunity to grow your skills and try some new ideas. Since saving money or avoiding expenses can help with debts, let’s take a look at 10 ways to save money this summer.

You can pay off debt with these savings.

You can pay off debt with these savings.

10 Ways to Save Money in the Summer

There are many ways in which reducing expenses and saving money on certain items can help with debts. Each dollar saved can go towards debt management – so don’t knock ’em til you try ’em!

1. Save Money on Gas

Carpooling, grouping errands together, walking or bicycling are all ways to save money on gas. The savings you see at the pump can translate to more money towards your debts.

2. Grow and Maybe Sell Your Own Food

Lettuce, squash, tomatoes and more can be readily at your disposal if you can grow your own food this summer. Save even more money by selling your produce and use it to help with credit card debt.

3. Farmer’s Markets

Similarly, there are great money saving deals at local farmer’s markets. Try going later in the day to get deals before the stands close. You could also buy bulk and split it with another frugal friend so you both save money.

4. Save on Wedding Season Expenses

Splitting the cost of a gift is one way to control your expenses during wedding season. Unfortunately, another is to decline an invitation that may be a long distance away. Send the couple an extra special gift to make up for your absence. Visit them when you are more in control of managing your debt.

5. Sweat More! Use Less Air Conditioning to Save

Air conditioning is expensive whether it’s in the car or the home. Eliminating, reducing frequency or making it less chilled are great ways to reduce expenses this summer. Use windows for cross ventilation instead.

6. Visit Attractions After Peak Times

Check your favorite swimming hole or theme park this summer for additional savings to help with debt. Depending on the place, it might offer reduced admission fees if you come after a certain time of day. It may also be less expensive during the week rather than the weekend.

7. Thrifty Summer Clothing

Winter clothing usually won’t work well in the summer, so you may need to acquire a few pieces. Check with friends, family and thrift stores for some inexpensive or free summer gear. You may even want to convert some of your older jeans or pants into shorts to save money.

8. Picnic Over Restaurants

Summer is all about picnics! Reduce your dining out budget by going on picnics. Use those savings towards paying off debt.

9. Drive-ins

Movies are still awesome but why not experience them outside for a much cheaper price? Drive-ins are a wonderful night out packed with value. Bring your own food, pack a carload and catch a few flicks. This summer savings works for a family event, time with friends or even a date night.

10. Free Events and Festivals

Most areas of the country have a few festivals or free events happening during the summer. Check your local listings to find out what’s happening in your area this summer.

There you have- 10 ways to save money this summer. Use your savings wisely to help with debts or even bulk up your emergency savings.

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


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/10-ways-to-save-money-this-summer
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=10-ways-to-save-money-this-summer
Loaded Template: single.php