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


Pre-Bankruptcy Client

Post-Bankruptcy Client

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.


Creating a Summer Activities Budget for the Family

Summer seems to have endless potential for fun. However, your wallet does have its limits, especially when you’re working on debt management. What’s the best way to balance it all? A summer activities budget is one way to help achieve all the financial goals of the family. Learn how to create and use this budget to make the most of the season.

Check out our credit counseling tips for a summer activities budget!

Check out our credit counseling tips for a summer activities budget!

How to Use a Summer Activities Budget

Hopefully, you are already familiar with budgeting using a household budget to manage your finances. A summer activities budget will be much more specific. You could consider it a subset of your larger budget. It will still keep track of how much you plan on spending and how much you do spend as you spend it.

Knowing how much money you have available for summer activities is the first step. Next, think through which activities you and the family want to do. Maybe its summer camp, amusement parks, pool memberships, or a long road trip. It’s up to you to balance individual needs and family needs. Next, research costs of each activity to see how it all fits into the budget. Finally, use a tracking system to itemize expenses as they happen and subtract them from the budget.

Do your kids want to do more or maybe you want them to support their activities? Talk them through how you will pay for certain things and how they must pay for the rest. This might include your teen working during the summer, choosing one activity over the other, or helping more at home. It can change to fit different family needs.

Cheap Summer Activities for the Family

For more fun in the sun that will fit your budget (and not add to credit card debt), try a few ideas from this list.

  1. Picnic at the park
  2. Community pool
  3. Watch a movie outside
  4. Star gazing
  5. Visit the local farmers market
  6. Water table
  7. Hike
  8. Fly kites
  9. Bird watch
  10. Wagon rides
  11. Water gun fight
  12. Outdoor concerts & festivals
  13. Go yard saling
  14. Sports! Volleyball, bad minton, soccer, basketball, field hockey, ultimate frisbee…
  15. Scavenger hunt
  16. Start a roadside lemonade or vegetable stand
  17. Go on a photoshoot
  18. Camp in the backyard
  19. Wash the car (it’ll be fun for kids to help and get wet!)
  20. Go for ice cream frozen ice- look for coupons to save

It’s critical to use your household budget to accomplish your big financial goals and your extra summer fun. Equally important is the need to stick to the amount of money that you have in the summer activities budget. If you spend more, you may end up with unexpected and unnecessary credit card debt. Plus, you will sabotage all your hard work leading up to this point. So, make a plan and stick to it.

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/creating-summer-activities-budget-family
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=creating-summer-activities-budget-family
Loaded Template: single.php