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 for us to call you.


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.


How to Save Money on Heat this Winter

no heatToday is National Cut Your Energy Costs Day! So, let’s talk about the number one energy cost in winter… heat. No one wants to be cold in their own home. But no one wants to spend a lot of money on their heat and energy bills either. So how do you find the balance between comfortable living and saving money on heating costs? We’ve got some ideas.

Here are some tips to save money on heating costs and reduce energy bills this winter:

  1. Bundle up. Keep your heat set to a comfortably low setting and, rather than turning it up when you get a chill, just throw on a sweater, socks, a blanket, or whatever you like to stay warm.
  2. Seal drafty windows. If you have any drafty windows in your home, you could be spending a lot  of money by letting all that cold air seep into your home. You may want to seal them up with a few products you can get at your local hardware store. Like this window shrink wrap kit and this rope caulk, both made by Duck.
  3. Let the sun do the work. On sunny days, open up your curtains and let the sun’s rays heat any room facing the sun (South-facing windows). If it gets cloudy or the sun is no longer shining, close them back up.
  4. Don’t heat an empty house. Turn your heat down if you plan on being out of the house for long periods of time. You can also get a programmable thermostat that will turn the heat to whatever temperature you wish at scheduled times.
  5. Don’t heat empty rooms. If you rarely use certain rooms in your home, then shut all vents in those rooms and close the doors. If you notice drafts, then roll up a towel and stuff it in the bottom of the doors. You can also use a store-bought draft stopper.
  6. Use a space heater. If you want to just heat a small area, then get yourself an space heater. These are great for heating small areas for short periods. No need to heat the whole house if you’re spending most of the day in your home office or living room. However, you should not leave a space heater on overnight.
  7. Reverse your ceiling fans. Heat rises, but a ceiling fan can help circulate the warm air down to your level. Set your fan to spin clockwise, pushing air up towards the ceiling. This will force the warm air off the ceiling and down the walls, where it will rise again to heat the room evenly.

These are just a few ways to save money on heating bills this winter. See what works for you or try to find even more ways to save money, conserve energy, and stay warm!

Have other ideas for National Cut Your Energy Costs Day? Please share in the comments! 


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 →

Dev Tool:

Request: blog/how-to-save-money-on-heat-this-winter
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=how-to-save-money-on-heat-this-winter
Loaded Template: single.php