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

Weekly Round-Up: Buying Morning Coffee

One of the easiest money saving tips around is ditching your morning Dunkin or Starbucks. However, one CEO is challenging that advice. Let’s take a look at the power of buying morning coffee in this Weekly Round-Up.

Is Buying Morning Coffee Worth It?

First, let’s take a look at the traditional argument against buying morning coffee. The Talking Cents Blog has actually covered this topic over the years. We made an infographic and everything!

buying morning coffee

As you can see, it is way cheaper to make your own coffee at home. You save around $1,000 while still being able to enjoy your favorite morning beverage. Plus, this infographic is a few years old; the savings could be slightly higher as prices climb. I personally enjoy the coffee I make at home better since it’s exactly how I like it.

A thousand dollars could be used for a variety of financial goals: your immediate emergency fund, pay off debts, or give you savings for a down payment or vacation. It takes time to accumulate, but you could end up with a large chunk of change if you are diligent.

Although this sounds simple, I do have some questions of my own. Are you really going to save the money you would spend on the coffee everyday? Why not give yourself a coffee you enjoy for a few dollars and make wise financial decisions on more substantial ambitions? Sometimes it’s helpful for spender personalities to have a little leeway while working on financial goals.

Sallie Krawcheck on Buying Morning Coffee

Recently, Sallie Krawcheck, who is the CEO of the financial planning company Ellevest, has come out against this savings tip. She questions whether this move would actually wield the savings and rewards other financial advisors claim it can with money management.

Here is an expert from her op-ed:

“Women have effectively internalized the messages that our society sends them about money, and the result is that the primary emotion so many of us feel about money is shame. We feel shame when we are in debt; we feel shame because we spend too much, certainly; we feel shame because we earn too little–and we even feel shame because we earn too much.

So this isn’t about the lattes. It’s never been about the lattes. Or any of the other ways we women are told we’re deficient around money. It’s about changing the narrative to recognize the real challenges we face as women and tackling real issues.”


Krawcheck addresses the logistical issues as well as the deeper issues at hand relating to finance and women. Read her full op-ed piece to review all her points.

Should buying morning coffee continue? Absolutely. As long as you can find it reasonably in the budget. Remember to stay within your budget and make sure your goals are moving forward while treating yourself.

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/weekly-round-up-buying-morning-coffee
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=weekly-round-up-buying-morning-coffee
Loaded Template: single.php