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 COVID-19 Information from ACCC

7 Financial Goals to Reach Before 2020


With 2020 just around the corner, now is the perfect time for consumers to review their current finances before the new year starts.

1. Review 2019 finances
Look at your initial goals for the year and how they align with where they are now. Note any changes in financial factors, such as a change in income or expenses, and look at areas that could be improved.

2. Check credit report carefully
Check your credit report as the year comes to an end. Verify all the information is accurate, and if there are any mistakes, address it immediately.

3. Set a budget
Plan out how much you can spend on daily and monthly expenses. Limiting expenses, such as groceries and gas, will help you achieve your financial goals.

4. Set realistic goals
Set realistic short-term and long-term goals. It may be useful to open different accounts for those different goals.

5. Revisit past financial plans
You may have different financial goals or expenses than you did in the past, so it is important to rework your plans to ensure that they still make sense for your life stage.

6. Clean up online subscriptions
Make sure you aren’t being charged for memberships or subscriptions that you no longer use.

7. Document everything
Tracking spending and other financial behaviors can help you stay on track with your budget and goals. Use a spreadsheet or a journal to keep track.


American Consumer Credit Counseling (ACCC) provides non-profit credit counseling, debt relief, and debt elimination services for consumers nationwide. We offer free credit counseling to help consumers identify the right debt reduction program or debt solution for their unique situation. Since 1991, our certified credit counselors have helped thousands of individuals and families learn how to pay off a credit card balance and how to get out of debt fast through programs designed to payoff credit card debt within five years. Our debt management programs consolidate card credit debt payments and help reduce interest rates and finances charges, reducing the time it takes for getting rid of debt. And we offer comprehensive financial education services where consumers can get answers to questions like "How do I create a budget?", "What is debt consolidation?" and "How can I avoid debt in the future?"

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