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.


Common Money Mistakes to Avoid

Nobody’s perfect. When it comes to personal finances, this statement rings especially true. By making yourself aware of the common financial blunders that people make, you may just be able to avoid making them yourself which can help eliminate debt even faster. Here are some of the most common money mistakes to avoid.

American Consumer Credit Counseling can give you debt guidance.

American Consumer Credit Counseling can give you debt guidance.

6 Money Mistakes People Make

Ignoring bills once they’ve been automated

Automating your bills is an efficient way to make sure that everything gets paid on time, especially if you’re in debt management. It also takes a basic financial task of your plate. BUT it is important that you still review your bills and statements every month. Make sure there have not been any unauthorized charges on your credit card. Look for any extra charges a service provider may have slipped in as well.

Relying on credit for emergencies

Believing you don’t need an emergency fund because you have your credit card for unexpected emergencies is a big mistake. When you use your credit card for emergencies instead of cash you are paying 10-20% (or higher) in interest. Instead, sock money away in an emergency bank account and EARN interest on it until an emergency occurs. Managing credit card debt should be limited to purchases you can payoff that month in full.

Spending money you don’t have yet

Spending money you don’t have in your hands is popular when it comes to tax returns and holiday bonuses. I have to admit I almost fell into the trap this year. I told myself, “Well I know I’m getting a Christmas bonus so I will just buy this gift now and when I get my bonus I’ll put the money right into my account.”

Chances are you will splurge and tell yourself that your bonus money will replenish your bank account and then once the bonus comes, you will spend it without even realizing it. You also have to be careful because you may think you’re getting more than you actually get. Wait until the cold hard cash is in your hand to spend it. Or better yet use it to start an emergency fund or eliminate debt.

Paying only the minimums

Definitely one of the biggest money mistakes to avoid. If you are only paying the minimum payment on your credit cards every month, that means you are paying more than the original purchase price on almost everything you’ve bought. The best way to manage credit card debt is to pay off the full balance each month.

Spending more than you earn

Spending more than you earn means you are accumulating debt. Spending as much as you earn means you are living paycheck to paycheck. Neither is a good way to live. In order to be in a good financial situation and build wealth, you need to spend less than you earn.

This may mean changing your lifestyle to spend less or getting another job to earn more. You decide what works for you. Make sure you are using a budget. Budgeting will help if or when you need to manage credit card debt.

Not realizing that small purchases add up to a big expense

It may not seem like a big deal to spend $7 on lunch and $3 on coffee every day of the work week. But when you look at the big picture you are spending $50 per week which adds up to $2,600 per year. Then add in dining out once a week for $50 and renting a movie off the TV every other week. All these little purchases add up. This is one of the money mistakes to avoid.

Instead of spending frivolously here and there, you could use that money to make an extra mortgage payment or a ton of extra car payments. I’m not saying don’t enjoy yourself every once in while; I’m just saying to consciously think about what you’re spending money on and budget for it to help your finances and managing credit card debt.

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/common-money-mistakes-to-avoid
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=common-money-mistakes-to-avoid
Loaded Template: single.php