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20 Steps To Financial Health with ACCC

Here’s our credit counseling perspective – to achieve financial health is key to a stress-free successful life. A life with minimum credit card debt is a luxury to have. However, this is an achievable task with a little bit of planning with your financials. American Consumer Credit Counseling provides 20 steps that will help you achieve good financial health. Let’s break it down!

Paying off debt improves financial health.

Paying off debt improves financial health. .

20 Steps To Financial Health

The most basic financial organizing comprises of three things:

  1. Assessing your past money moves
  2. Set SMART goals and a plan to achieve those goals
  3. Keep monitoring, tracking, and modifying these goals and plans to stay on track.

ACCC’s 20 steps to financial health fit into this three-step model. Let’s see what it entails.

  1. Pledge to change how you feel about your money
  2. Get organized
  3. Get copies of your credit reports
  4. Dispute any erroneous information on your credit report
  5. Set financial goals
  6. Set short, medium and long-term goals
  7. Track your spending
  8. Create a budget
  9. Reduce spending
  10. Determine your net worth
  11. Pay down debt
  12. Eliminate unnecessary credit cards
  13. Start a savings plan
  14. Protect your assets
  15. Managing major purchases
  16. Securing your financial future
  17. Financial checkups
  18. Understanding the cost of credit
  19. Protecting your identity
  20. Watch out for warning signs

The following video illustrates the 20 steps in a more concise manner!

If you are struggling to pay off debt, ACCC is here to help. Schedule a free credit counseling session with us today. 


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!

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