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20 Steps to Financial Health: Achieving Lifelong Financial Fitness

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Welcome to 20 Steps to Financial Health: Achieving Lifelong Financial Fitness.
We hope this resource helps you take the necessary steps towards financial health and stability.

1. Pledge to change how you feel about money.  $100 dollar bills

The first and most important step in developing and following a financial plan is to examine your attitudes about money.

Are you ready to accept responsibility for changing your financial situation? Do you believe that you can and will change the way you make financial decisions? Can you identify at least one benefit you hope to gain by changing your money management behavior?

You are definitely ready and able to start your path to financial wellness; if you are also willing, take the pledge!

2. Get Organized

After you make your pledge, it’s time to get financially organized. Once organized, you will see your whole financial picture. Proper planning and discipline will help you make choices that will lead to sound financial management of your finances.

Start with your financial record keeping such as your income and expenses. All papers associated with your income and expenses should be kept in a safe place.

Next consider organizing your legal documents. This may include wills, health care proxy and power of attorney.

Once you have your finances organized you can feel good about moving forward and taking your next steps to financial health. To help get you started, download a free copy of ACCC’s Personal Financial Workbook here:

3. Get copies of your credit report

Your credit reports can provide a valuable snapshot of your overall financial situation. Reviewing your credit reports for accuracy can also help you to identify errors or fraudulent activity. The Fair and Accurate Credit Transactions (FACT) Act gives every consumer the right to receive a free credit report every year from each of the following credit bureaus: Experian, Transunion and Equifax. To check your report as often as possible, you can stagger your requests and get one report from one agency every 4 months. That way you’ll see your report three times within a year.

To get your free credit report visit or you may call directly at 877-322-8228.4

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American Consumer Credit Counseling (ACCC) is a non profit credit counseling agency offering services such as debt advice, debt consolidation programs, and consumer bankruptcy counseling. We have provided thousands of families with financial counseling and helped them with consolidating bills and paying off credit cards. For consumers in need of bankruptcy counseling, ACCC is approved by the Department of Justice to provide both pre bankruptcy credit counseling and post-bankruptcy debtor education.

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