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.


Pet costumes, truffle butter, and mani-pedis OH MY!

Call it what you will: retail therapy, a “high” felt after making a purchase, a droplet of normalcy into the bucket of hard times, but people tend to buy things when they’re feeling uneasy.

Am I about to chastise you? Lecture about the ridiculousness of human nature and how you have to conquer your need for a small comfort?

If you’ve read my other blog posts, you’ll probably know the answer is no.

But let’s take an inquisitive look at what’s going on and how to include these purchases in how we look at our cash flow.

I found an article in the USA Today on October 3rd called “Shoppers indulge in little luxuries” The writer, Laura Petrecca, cited statistics such as:

“Nearly 15% of [Halloween] revelers will dress a pet- up 43% from 2010, according to the National Retail Federation. Total spending should reach $6.9 billion, up 18% from last year.”

“Transatlantic Foods’ [a specialty food supplier] sales of Aux Délices des Bois brand truffle butter to grocers grew 23% in the last year. A pound of truffles may cost thousands, while truffle butter retails for $8 to $10 for 3 ounces, says co-owner Thierry Farges.”

“[Nail] products had $14.2 million in department store sales from January through August, up 61% from 2010. Nail salon sales have risen, as well. Caitlin Moldvay [a market researcher] says: ‘Spending on a manicure they can get for a fairly low price is one way to indulge without breaking the bank.’

And therein lays the keystone for these otherwise strange, upwardly moving numbers. I say in my seminars that each person I talk to works hard at their job, looking for a job, or studying in school. These days, people are not struggling because they lack the effort. It’s tough out there. So we have to figure out how to spend our money in ways that make us feel alive, while not racking up [more] debt.

Setting aside a preset amount of money for fun stuff is important. Let’s say within your budget you can set aside $20 of play money a week. Maybe you love getting a manicure. Or buying some OPI polish and giving yourself that mani-pedi. Maybe you save up 2 week’s worth of your fun money because you’re going to dress Fluffy up like a shark for Halloween, because who doesn’t love shark week?

The key is to NOT spend more than you’ve allotted yourself. I like to take my fun money out in cash so I know when I’m out. Some people spend on a debit card that does not allow spending past the limit. (Ask your bank if there have been any debit card fee changes, btw).

What’s your little luxury that puts a smile on your face?

Dev Tool:

Request: blog/pet-costumes-truffle-butter-and-mani-pedis-oh-my
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=pet-costumes-truffle-butter-and-mani-pedis-oh-my
Loaded Template: single.php