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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 agency that offers free credit counseling and low-cost financial services to consumers nationwide. Before consumers apply for debt settlement or make a debt settlement offer, our counselors can provide information about the pros and cons of settlement services and working with a debt settlement company. We can also discuss the advantages of bankruptcy vs settlement and consolidation and provide information about debt management as an alternative to credit card debt settlement. At ACCC, consumers can learn how to settle with credit card companies most successfully and explore a variety of options in addition to credit settlement. Our counselors can also answer questions like “What is a debt settlement program?” and “How does debt settlement affect your credit?”

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