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.


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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.

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Audit Your Budget

Ever wonder where all your money is going? Ever wish you had more cash to spend on things you need or want? It can be tough to keep track of all of your spending for any given month. However, tracking is the best way to find ways to save. It’s easy to forget about some expenses that you may have forgotten about, like an unused club membership or magazine subscription. Or maybe an unnecessary expense has become a routine, like drive-thru coffee or take-out lunch. Our credit counseling advice is to have a budget.

Use ACCC's resources to audit your budget.

Use ACCC’s resources to audit your budget.

Budgeting is a great way to identify what you are really spending your money on each month. Doing so will help you identify areas of your budget where you can spend less and use that money to pay off debt. Now and then, you should also audit your budget.

Start with ACCC’s Household Budgeting Worksheet. You can download an interactive excel file here. Using this worksheet, you can write down everything you spend, whether it’s recurring monthly bills like rent and utilities, or less frequent expenses like hair cuts and clothes shopping.

If you want to take it a step further and really dig into your spending habits, download ACCC’s Daily Expense Tracker. This will help you account for every dollar you spend on a daily basis, and will ultimately paint a clear picture of your spending habits and how you can save money.

Use these worksheets to audit your budget, and you will most likely find areas where you can spend less, save more, and put more money towards bills, debts, or paying off credit cards.

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


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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