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.


Money Lessons for Kids this Holiday Season

In today’s society, it’s increasingly harder to teach your children the value of a dollar. Every day, they are inundated with images of “must-have” new toys, electronics, or clothing on television and the internet. As technology becomes more and more prevalent in everyone’s lives, kids may be influenced by social media and their peers. But it’s important to reinforce the fact that happiness does not come solely from material things. In fact, it can even lead to consumer debt. Plus, you have to work hard and earn money. Start instilling these money lessons early on in your children so they can be prepared for the holiday season!

Kids will gain wisdom and insights from these ACCC's money lessons.

Kids will gain wisdom and insights from these ACCC’s money lessons.

5 Money Lessons for Your Kids

  1. Teach gratitude. Focusing on positive experiences builds happiness. Ask your children to name something they’re grateful for everyday! Give them a gratitude journal. Not only will writing down what they’re thankful for every day put things in perspective, but it will also teach them to be less materialistic and more giving as a result.
  2. Watch what you say. Children are very affected by their environment and the people closest to them. Make sure to practice what you preach. If you want your children to be less materialistic, don’t fawn over big-ticket items. If you are in lots of credit card debt, don’t emphasize your money problems to them. This can create skewed ideas about wealth later on. Try and be a good financial steward or that you are learning to become one.
  3. Have fun on the cheap. Everyone thinks you need to spend lots of money to have fun. Wrong! By doing fun activities at home, you can teach your kids the value of a dollar. For instance, you can have a dance party and a paint or a movie night at home. Invite other children to come over and play with your kids. Look for other fun activities on the cheap!
  4. Reward them. When your children complete a difficult task, errand, or project, make sure to treat them. Although it would be nice to get a brand new toy, it doesn’t necessarily have to be a material thing. Take them to the museum on a free night, or out to the park. Instead of rewarding your children with things, you are giving them the attention and time they deserve.
  5. Pay it forward. Show children the goodness of giving early on. They can even do something small, like helping a classmate or giving a younger sibling some hand-me-downs. Instill this money lesson in your kids when they’re still young, that way they can build their compassion and volunteer even more as they grow.

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


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here 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/money-lessons-for-kids-this-holiday-season
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=money-lessons-for-kids-this-holiday-season
Loaded Template: single.php