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.


How to Make Money as a Kid

BERENSTAIN BEARSThe lemonade stand is one of the quintessential images of kids trying to earn money. Many youngsters want money beyond their allowance to buy goodies, see a movie and even to feel grown-up. Making money and reaching a goal is a great experience to have as a kid. Financial lessons as a kid can be a lot less detrimental to credit and savings goals if there are failures along the way, and the successes still feel great!

In this video from the Berenstain Bears, Brother and Sister learn how to earn their own money and the challenges that come along with it.

Making Money as a Kid

Earn Money Around the House

Earning money at home is often the first step for kids. The Berenstain Bear cubs came up with some fantastic ideas to raise money for their jackets. Gardening, raking, a lemonade stand and other chores are great jobs for young workers wanting to earn some extra cash. It’s also a good way to start preparing for bigger responsibilities and gaining a sense of independence. Other ideas include helping with small repair projects, extra cleaning assignments and selling toys or electronics that are not being used anymore.

Earn Money Around the Neighborhood

Kids can earn money around the neighborhood as well. Some of the jobs done at home can be offered to neighbors that you have a good relationship with. Other jobs include house sitting, pet care, holding a garage sale, tutoring kids in the area, or try other seasonal refreshment stands.

Keeping Perspective on Making Money

Balancing Money and Family

Hard work and entrepreneurship are excellent qualities that go a long way toward reaching financial goals. Unfortunately, you can have too much of a good thing. Too much work often stresses other areas of life. Industrious, worker bees must try hard to keep ambition, work and life in check. Brother and Sister  became overcome by the potential of all their earnings: ditching friends, family and the ability to be generous. Balance is one of the most important aspects of money. We all must be diligent to make positive and sound financial decisions.

Teaching Kids Financial Literacy

Parents and guardians are instrumental in teaching financial literacy to their kids. While we watched the cubs become consumed with making money and possessions, their parents were with them each step of the way. They allowed the cubs to go through the process and encouraged them towards the right decision. Hopefully, experiences like this will translate into a debt-free, healthy relationship with money as they grow up.

So, what will the cubs end up doing in Part II?

  1. Will they buy the jackets and gear of their dreams?
  2. Continue amassing money and never spend it?
  3. Decide they need to change and follow the “Earn, Save, Spend and Donate” principle?

Find out here!

Participate in this month’s poll: What is your budget for the holiday season?


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/the-trouble-with-money-teaching-kids-about-balance
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=the-trouble-with-money-teaching-kids-about-balance
Loaded Template: single.php