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A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. A budget can help you find ways to save money and plan for the future. ACCC has compiled helpful resources, tips, and tools to help you understand and create a successful budget.

For free assistance with your budget, start now and complete an online application. This will provide counselors more information to work with during your budgeting session.

If you would like further assistance on how to manage your budget, you may contact our financial counseling center at 800-769-3571.


Our worksheets help you outline your budget and customize a spending plan based on your income and needs. By putting your budget together on a worksheet, it'll be easier for you to make the right financial decisions.

Tips for budgeting

Creating a budget can help you decide your spending and saving, but it's not always easy to get there. Our downloadable tips make sure that you have important financial information at your fingertips at all times.


shopping with a plan

Certain times of year require a lot of shopping, and trying to stay within a budget can be especially daunting. Use these downloadable worksheets to plan your shopping trips during the busiest retail seasons.


financial workbook

The Personal Financial Workbook is a tool that you can use to organize your finances and gain an understanding of how you are spending your money. By using the worksheets, you’ll be able to paint a clear picture of your financial situation and make better decisions for the future. We recommend that you photocopy worksheets before using them so that you may revise the information, and reuse the worksheets as needed.

Get Free Credit Counseling Now!

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt reduction programs and debt relief services to help consumers nationwide figure out how to pay down debt and how to get out of debt quickly. Our professional credit counselors provide free credit counseling to help individuals and families find the right debt solutions to help with credit card debt and avoid debt in the future. Our debt management programs provide help with debts by consolidating payments on credit card debt and other unsecured loans, with credit card negotiation services to reduce credit card debt interest rates and finance charges, helping consumers to pay off debt more quickly.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member