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

So The Season Is Done! Now What?

the season is doneThe holiday season has come to an end! And most likely you are sitting down wondering how to make your credit card payoff work. In an ideal world, you have saved all the money from day one in your holiday savings account and stuck to your guns when it came to your holiday budget. More often than not, we rush our holiday shopping, ending up with more consumer debt than we bargained for. So, the season is done! Now what? 

So The Season Is Done! Now What?

What’s done is done. If you are in debt deeper than you wanted to be it is important you devise a debt relief plan sooner than later. Pick your battles with your credit cards. Pay off your high-interest credit cards first and look for ways you can cut back on your spending to make up for some of the debt pay off efforts. When you are in the moment you tend to be careless about your spending. However, now that the season is done, let’s look at somethings you would do differently next year around.

Save your Receipts!

You should have saved all your receipts.  Here are 2 reasons why:

1. In case something needs to be returned.

2. To track your spending.

In the rush of the holidays and gift giving, you may lose your receipts. However, what may have seemed like the trendy sweater with a good deal at the time might not live up to your expectations. Saving your receipts is important because then you have the option of returning those items to get your cash back if need be. Also, your receipts are a great way to go back and track your spending. This can set a good indication for your next holiday seasonal spending.

Watch Your Spending Post-Holiday Season

It is not always easy to let go of the habit of spending. So, you have to be extra careful with your post-holiday season. Now that the season is done, it is probably a good idea to check back with your spending and budget. Make sure you are on track to paying off your debt on time and keep up with your essential expenses.

 

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/so-the-season-is-done-now-what
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=so-the-season-is-done-now-what
Loaded Template: single.php