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.


COVID & Budget Friendly Valentine’s Day Ideas

Valentine’s Day is coming up, and even though it might look different this year because of COVID, you can still have a great time with your date. This year, you can have a fun, frugal, and socially distanced Valentine’s Day so you can stay safe from the virus and from credit card debt! ACCC offers these tips for a COVID and budget friendly Valentine’s Day:

If you're paying off debt, try a budget-friendly Valentine's Day!

If you’re paying off debt, try a budget friendly Valentine’s Day!

Do Dinner at Home

We know, you’ve been hearing this advice for almost a year now. Unfortunately, it most places, it is still not safe to go out to crowded restaurants or other venues. The bright side of this is that you can save money on Valentine’s Day this year! Rather than going to an expensive restaurant, try to replicate your favorite restaurant meal at home. Cooking at home costs a fraction of the price of a restaurant meal, and besides, cooking with your Valentine’s Day date can be a fun activity too!

Have a Rom-Com Movie Night at Home

Again, going to movie theaters is not entirely safe right now, so it’s better to have a movie night at home. Dig out your favorite old school rom-com DVDs, pop some popcorn, and have a fun rom-com throwback night! There are also tons of options for romance movies on Netflix and Hulu. Think about the money you’ll save! The average cost of a movie ticket is $9.11, plus if you factor in the cost of the movie theater snacks and drinks, you’re probably saving around $30-$40 by staying home. If you’re in a debt management program, any savings can help you repay debt faster.

Limit Spending on Gifts

According to CNBC, last year Americans spent an average of $142 on Valentine’s Day gifts for their partners. For many consumers, that just isn’t feasible this year. Having a budget friendly Valentine’s Day doesn’t mean you can’t get your loved one a gift, but you don’t want to overspend. If your income isn’t as stable as it was before COVID, you may not be in a financial position to be purchasing pricey Valentine’s Day gifts for your significant other. You may want to talk to them ahead of time and agree on a spending limit, such as $20 for gifts this year. Skip the expensive jewelry or watch this year, and instead opt for the traditional chocolates and heart-shaped candies.

Take a Romantic Stroll

If the weather in your area isn’t bad, another great budget friendly Valentine’s Day activity (that’s also COVID safe!) is taking a romantic stroll. Is there a particularly picturesque area in your city? It might be fun to walk around there and take some photos together, especially if you have a Polaroid camera or are a photography aficionado. You could even use the pictures you take to put in a scrapbook or photo album for a budget-friendly birthday or anniversary gift later!

Final Thoughts on COVID & Budget Friendly Valentine’s Day Ideas

As much as we wish things were back to normal, the priority right now is still staying safe and social distancing. The second priority is sticking to your budget, especially for those who are still unemployed or have unstable income. Valentine’s Day can be a fun holiday without spending hundreds of dollars and racking up credit card debt. Keep in mind, the holiday shouldn’t be about excessive consumerism and breaking the bank. It should be about spending quality time with your partner, and that doesn’t cost a penny!

If you struggle to pay off debt, ACCC can help. Schedule a free credit counseling session 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/covid-budget-friendly-valentines-day-ideas
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=covid-budget-friendly-valentines-day-ideas
Loaded Template: single.php