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 Moves To Make Before 40

Completing a decade in life is cause for a big celebration. Reaching 40 seems to be the time people start reflecting on every aspect of life. One of those reflections should be your financial life and debt management strategies. Before you get to that age, you should be working towards certain financial goals. So what are some of the money moves to make before 40?

money moves to make before 40

There are certain money moves to make before 40 to ensure your financial health. If you’re struggling, a nonprofit credit counseling agency may be able to help.

Money Moves to Make Before 40

Make Managing Debt a Priority

Consumer debt is a major strain on your financial life. Turning 40 is life’s reminder that you are on the other half of it all. Therefore, one of the first money moves to make before 40 must include a plan on how to reduce credit card debt. Depending on your debt situation, you need to understand what route to take. Can you manage your debts on your own or do you need to consider nonprofit credit counseling and debt management services? Now is the time to make a decision.

Focus More on Retirement

Retirement is not too far away now. If you still haven’t started saving, it’s now or never. Contribute to your retirement savings and 401(K) plans as much as you can. Re-look at your investment plans and see if you have the right portfolio.

Work on Building an Emergency Fund

A rainy day fund is crucial at this point in your life. Economies can collapse or you can lose your employment without notice. A serious health issue or some other unexpected event can take a toll on your finances. Therefore, you need to prepare yourself and make sure you continue to work towards getting out of debt and living a financially independent life.

These are the most basic money moves to make before 40. However, concentrate on every little detail to make sure you are on track with your life goals.

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


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 →


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-moves-to-make-before-40
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=money-moves-to-make-before-40
Loaded Template: single.php