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.


Budgeting and Saving for a Vacation

Our credit counseling perspective? January is the perfect time to start your vacation planning for the year! Budgeting and saving for a vacation can be daunting, but if you start now, you can start saving and planning for some amazing vacations later in the year. Here are some of our tips to help plan out your vacations this year:

budgeting and saving for a vacation prevents debt when you return

Budgeting and saving for a vacation prevents debt upon your return.

1. Avoid traveling during major holidays.

Not only will the airports be chaos, but airlines and hotels hike up the prices when they know people will be traveling. Holidays like Memorial Day, Labor Day, Thanksgiving, and Christmas are all major holidays during which the prices of flights and hotels will skyrocket. If you can avoid traveling during those holidays, you’ll save money. Try taking your vacation off-season, or at least not during a big holiday weekend.

2. Use Airbnb or stay with friends/family.

It’s no secret that hotels are expensive. Hotels and airfare are generally the most expensive parts of a vacation. If you’re taking a trip far away, you typically can’t get around the cost of airfare, but with accommodations, you have other options. If you are taking a vacation somewhere to visit friends or family, see if it’s possible to stay with them! Otherwise, check out Airbnb. Booking through Airbnb or similar companies is typically cheaper on average than a hotel room.

3. Plan and book ahead of time.

This may seem like the most obvious tip when it comes to budgeting and saving for a vacation, but it’s important! Waiting until the last minute to book flights and accommodations means that you will most likely end up paying more. Planning ahead helps you avoid credit card debt. Ideally, for domestic flights, you’ll want to book between 47 and 90 days in advance depending on the season. For international flights, you should probably book even farther out.

4. Search for flights in an incognito window.

You’ve probably noticed that every time you search the same flight in Google in a short time span, it seems like the prices get higher every time! Try searching for flights in an incognito window, or clearing your search history every time after you Google a flight. This may help keep the prices a little bit lower.

5. Have a separate vacation savings account.

Chances are, you have more than one savings goal. Maybe you’re saving up to buy a house, building up your emergency fund, or saving for your child’s college education. All of these savings goals should have separate savings accounts, including your vacation savings. Keeping your savings goals separate will help you stay organized, and it prevents the temptation of dipping into other savings goals to fund your vacation.

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


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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/budgeting-and-saving-for-a-vacation-2
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=budgeting-and-saving-for-a-vacation-2
Loaded Template: single.php