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.


Does Recycling Rainwater Save Money?

Last week we blogged about the cost of solar power for your home. That got us thinking about other ways to lower household utility bills while also being environmentally conscious. One such idea is recycling rainwater. There are both simple and complex systems for recycling and storing rainwater, but we’d like to focus on one of the less expensive options to find out just how much it costs and how much you can save on your water bill (which can also help with debt management).

Before we get into the details, be aware that this technique does not filter the water for consumption. The water that is stored should not be consumed, but only used for things like watering the garden or washing outdoor items.

ACCC thinks recycling water is a nifty hack.

ACCC thinks recycling water is a nifty hack.

How to Recycle Rainwater

Things you need: Barrel with lid, downspout, screen, spigot, hose, flexible tubing or PVC, drill, saw, caulk, cinder blocks.

Total cost: $50 – $200

  • Drill a hole in lid of the barrel for the downspout.RainBarrelDiagram
  • Drill another on the side of the barrel, about 4-6 inches from the bottom, and install the spigot. Be sure the size of the hole matches the spigot. Apply caulk to the hole before installing to ensure a waterproof seal.
  • Drill one more hole in the side, near the top of the barrel. This is for overflow. Install a hose (with a sealed coupling) to divert the overflow away from the barrel and your home.
  • Create a level surface where you want to place the barrel under your downspout next to your home. Place the barrels on a raised platform, like cinder blocks.
  • Once the barrel is in place, measure and cut your downspout so it reaches the barrel. You can also use additional pieces of aluminum or PVC pipe to attach the spout to the barrel.
  • Install a screen or filter where the pipe enters the barrel. This will minimize debris in the water, and prevent clogging.

All of the materials you need for a rain barrel system should be available at your local hardware store. A store employee should also be able to help you with any questions about installing a rain barrel. Shop accordingly to stay on budget. Specially made barrels can purchased for around $100 – $200. A less expensive option is a trash barrel for $20 – $30. The rest of the parts can be bought as a kit for around $30.

Your state or city may have regulations about installing such systems, so be sure to check with your local government before moving forward.

Does Recycling Rainwater Save Money?

For a system like this, it’s hard to calculate exactly what the savings might be. This is not water that you will use to drink, cook, and shower. So, it doesn’t make sense to factor in your typical household water bill. However, if you have a lawn and garden that you water frequently, then a rain barrel system may be helpful in reducing the bill.

Aside from the financial savings, this is also an environmentally friendly way to care for your plants. Some areas may place water usage restrictions in hot seasons. With a rain barrel system, you can have some water stored up to feed your lawn and garden without putting a burden on your local water supply.

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


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people 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/does-recycling-rainwater-save-money
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=does-recycling-rainwater-save-money
Loaded Template: single.php