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

Stretch Your Holiday Budget: 3 DIY Christmas Pins

Every year, we make a budget for Christmas. And almost every year, the budget goes up and we go over it regardless! While it’s typically not too much over budget, it’s still not a good habit. This year, we are using some DIY presents to stretch our budget and stay within our means. If you are already working on reducing credit card debt, keep your finances on track with these 3 DIY Christmas pins.

DIY Christmas Pins to Save Money This Holiday Season

While it’s a very joyful experience to give presents and treat friends and family, no one wants you to have extra stress, more consumer debt or feel bad about not giving gifts. That’s why we need to be creative and make our holiday budget stretch to accomplish as many goals as possible.

Holiday spending goals or budget items may include a number of things, like:

  • Christmas Gifts
  • Hosting a Party
  • Attending a Party
  • Office or Friend Gift Exchange
  • Spending Less Than the Year Before
  • Staying on Budget
  • Use a Holiday Budget Worksheet
  • Buying Christmas Decorations and Supplies on Sale

Staying on budget is never more important than when you are facing personal credit card debt. The holidays are such a spending trap! Making a plan and sticking to the budget is critical. To make sure you can achieve this financial goal, try some of these DIY Christmas pins to save money.

DIY projects can cover almost anything. Think through decorations, gifts, even food items. You can save money on most things by doing it yourself. However, if you are not crafty, tread carefully. Know your skill level so you don’t end up spending more to fix your mistakes! You may just have to really work hard to find sales, deals and other ways to accomplish your goals.

3 DIY Christmas Pins

DIY Snowglobes. This could be a gift, decorations or a craft activity for the family. We love how versatile this DIY project is and the price tag. You may have all or most of the items needed already at home. Be creative, and use their steps as a guide. This pin is courtesy of the Make & Do Crew.DIY Christmas pins

50 Christmas Fudge Recipes. This is another idea that works on a few levels. You could easily give Christmas fudge as a gift, bring to a party, prepare for your own party guests, etc. Make large batches and use cute tins from the Dollar Store to hand them out. Everyone loves food. Give the people what they want! This will certainly keep your budget low, but very classy.christmas-fudge-budget

$10 Thoughtful Gift Ideas. Still, need a few gifts? Check out this final DIY Christmas pin for a few ideas. Books, socks or items to help them with their hobbies can all be thoughtful without breaking the bank.10-christmas-gifts-accc

Finally, for more great DIY Christmas pins, check out our Pinterest board Holidays & Celebrations on a Budget.

ABOUT AUTHOR / Michelle

Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

View all author posts →

Dev Tool:

Request: blog/stretch-your-holiday-budget-3-diy-christmas-pins
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=stretch-your-holiday-budget-3-diy-christmas-pins
Loaded Template: single.php