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

Bankruptcy

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

Wait!

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.

Yes

Is Halloween Your Financial Nightmare?

halloweenIt’s already time to get spooky again! Halloween is literally a budget buster holiday. Between the cost of costumes, decorations, and candy, your budget can easily go off track. But does it really have to break your bank or add undue consumer debt

How Not to Make Halloween a Financial Nightmare

A single night of spookiness and dress up can quickly turn into a financial nightmare if you are not careful about how you plan this holiday. However, there is no reason why Halloween should be a budget killer. It is only important that you adopt some simple strategies to save money. Here goes!

DIY Your Halloween

The costume advertisements online and in stores are surely intriguing. However, they can also get quite expensive. Sometimes the only resources you need are already in the house. These can include old clothes, boxes, a pinch of creativity and a lot of YouTube and Pinterest references! Make it a fun exercise to decorate your home for Halloween with your kids. Get them to do the crafts! Trust me it will be more memorable that way. Keep away from accumulating too much debt and spend some time to plan and DIY your Halloween this year.

Plan Ahead

Say your creativity and craftiness is zero, even then what can help you keep the costs under control is only a little bit of planning. Avoid waiting until the last minute to buy your costumes as they can get higher in price. Therefore, do not make the costly mistake of waiting until the last minute. This is true for both costumes and decorations. Also, there is nothing wrong with reusing last year’s decorations! Buy quality decorations on sale at the end of the season that will last for years to come.

Budget, Budget, Budget!

As with all holidays, set a spending limit for the family and stick to it. There’s no need to go into credit card debt to finance your kids’ Halloween costumes. If you plan early enough, are creative with your costumes, and shop around for deals, limiting your spending shouldn’t be an issue. And the night will be a lot more fun without the looming specter of credit card debt the next day.

ABOUT AUTHOR / Dilini

Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

View all author posts →

Dev Tool:

Request: blog/is-halloween-your-financial-nightmare
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=is-halloween-your-financial-nightmare
Loaded Template: single.php