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The first step to financial freedom is to understand your finances and there is no better way to do that than to map out exactly where and how you spend your money. Now that you’ve completed this calculator and have a clearer sense of your expenses and spending, it might be time to rework your budget.

One tactic is to download ACCC’s free budgeting worksheet for a full breakdown into the categories listed above. For example, on this worksheet you will estimate how much you spend on everything from laundry and dry cleaning to gardener, pool, or alarm services. If you understand your overall monthly expenses and spending, but are having a difficult pinpointing how much exactly you spend on what on a daily basis, download ACCC’s free Budget in Your Pocket worksheet to carry with you at all times to track your spending.

If you are still having a difficult time creating, managing, or understanding you budget, contact ACCC at 800-769-3571 to speak with a certified credit advisor today for a free budget analysis. If feel that you are drowning in debt and are looking for options to help you get out of debt, consider ACCC’s debt management program. To learn more about what a debt management program is and how it can help you eliminate debt, watch this quick and informative video.

American Consumer Credit Counseling (ACCC) is a nonprofit debt management company that provides consumers with personalized counseling and solutions for consolidation of debt. Since our founding in 1991, ACCC's consolidated credit counseling services and debt assistance programs have been helping consumers consolidate debts and regain control of their finances. If you're wondering "What's the best way to consolidate my debt?", an ACCC counselor can show you how to consolidate your debt without having to take a loan or pay hefty fees. First, check out our credit counseling reviews to see what our customers have to say about our consolidated credit solutions and the personal touch that helps make ACCC one of America's most well-regarded debt management agencies.

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