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.


DIY Kitchen Makeover On A Budget

As the weather warms up and the Home Depot commercials start playing nonstop, you might be feeling the need to transform an area of your home. If you need a DIY kitchen makeover without the consumer debt, here are a few budget-friendly DIY projects you can tackle.

Revamp your kitchen without derailing your debt management efforts.

Revamp your kitchen without derailing your debt management efforts.

How to Budget for a DIY Kitchen Makeover

Are you wondering how to budget for a DIY kitchen makeover? Whether you have $100 or $2,000 budget, there is a project for you! It’s really important to start off with a budget for this project since overspending can get you into credit card debt.

To stay on track, come up with a budget and a work scope that fits within the amount of money and time you have. Write out what you would like to accomplish. If you have a few goals, prioritize them. This way, if the top priority costs more than you anticipated, you at least accomplished the greatest need. Once you save more money, you can work on the next project and so forth.

Credit card debt management can be hard on a budget. Make your budget stretch by doing the work yourself. DIY projects can save a lot of money in labor costs. However, if you aren’t a trained electrician or not confident in some of your handy abilities, your best bet is to hire someone or find a friend with those specific talents. And maybe that friend can be paid in pizza instead of cash.

8 DIY Kitchen Makeover Projects

To get you started here is a list of 8 DIY kitchen makeover projects. The projects range in expense and intensity so that anyone’s budget can afford something without gaining any consumer debt.

  1. Buy new kitchen accessories- dishtowels, dish rack, utensil holder, curtains or blinds. Changing the styling of the kitchen is one of the cheapest DIY kitchen projects. It can still make a big difference.
  2. Change the hardware on the cabinets or the sink. By choosing reasonably priced hardware, you can update the kitchen with a new look that is probably not too difficult to install. Updating an old faucet can go a long way too.
  3. Add a colorful accent to the backs of your cabinets, especially those with glass fronts. A new pop of color can be a great addition. You could find remnants of wrapping paper, wallpaper, contact paper or scrapbook paper to get the job done.
  4. Paint the kitchen cabinets white or a different color. This refresher will take some time, but it’s vastly cheaper than trying to replace your cabinets. It will feel brand new without the cost. Plus, you won’t end up with any credit card debt!
  5. Paint the walls or remove outdated wallpaper trim. There will probably be a headache or two dealing with wallpaper, but the outcome will be great. Paint is not very expensive, especially in a kitchen where there isn’t much wall space.
  6. Take down some of the upper cabinets and replace them with open shelving. This could open up space and create some visual interest and drama!
  7. Add a backsplash. This is much easier than removing one and installing a new backsplash. Proceed with caution if you are not good with drywall repair…
  8. Install a new light fixture to brighten up the kitchen in more ways than one. This may or may not be a DIY kitchen makeover project. Use good judgment while working with electricity or just call an electrician.

Many of these projects will help if you are looking to stage your home to sell it in the near future without spending a lot of money. For more DIY kitchen makeover project inspiration, check out ACCC’s Pinterest board DIY Home Repair & Projects.

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/diy-kitchen-makeover-budget
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=diy-kitchen-makeover-budget
Loaded Template: single.php