Apr 23, 2025
How Much is Too Much Credit Card Debt?
Today credit cards have become an essential financial tool, offering convenience and the ability to make purchases without immediate cash on hand. However, with this convenience comes the risk of accumulating debt that can quickly spiral out of control. Understanding how much credit card debt is considered too much is crucial for maintaining financial stability and avoiding the pitfalls of…
Read moreApr 18, 2025
Affordable Easter Crafts for the Family
Easter is an opportunity for families to come together and engage in fun activities that spark imagination and foster connection. Crafting is an excellent way to celebrate the holiday, but trips to the craft store can add up. Here are some affordable Easter crafts that the whole family can enjoy, ensuring a festive and memorable holiday. 1. Egg Carton Chicks…
Read moreApr 16, 2025
Bloom Your Finances: Set Goals This Spring with WOOP
W.O.O.P. For Goal Setting: A Powerful Approach to Managing Debt and Building Financial Stability As we face a fluctuating economic landscape, one of the most pressing issues today is credit card debt, with interest rates averaging above 20%. This makes it even more essential to have an effective plan for paying down high-interest debt. At American Consumer Credit Counseling (ACCC),…
Read moreApr 14, 2025
Credit Cards Debt Relief
Credit card debt can be a huge burden on families and individuals. Many people rely on credit cards for everyday purchases, and sometimes it’s easy to spend more than planned. The end result can be a frightening mountain of debt that seems impossible to overcome. Fortunately, there are ways to achieve credit cards debt relief, and we’re here to help…
Read moreApr 11, 2025
What is Better: Credit Counseling or Debt Settlement?
Household debt has risen to $18.4 Trillion according to the Federal Reserve Bank of New York’s Household Debt and Credit Report. With more and more people faced with overwhelming debt, it can be challenging to know where to turn. Two common solutions that people consider are credit counseling and debt settlement. Both options aim to help manage and reduce debt,…
Read moreApr 9, 2025
How Does Credit Counseling Impact Credit Scores
Navigating financial challenges can feel overwhelming, especially when credit scores seem like a mysterious maze of numbers and consequences. If you’re struggling with credit card debt, credit counseling might be the lifeline you’ve been searching for. At American Consumer Credit Counseling (ACCC), we’re committed to helping you understand how a debt management program can actually be a strategic move towards…
Read moreApr 3, 2025
Understanding Credit Counseling: A Path to Financial Freedom
In today’s fast-paced world, managing finances can be overwhelming, especially when faced with mounting debt. Credit counseling emerges as a beacon of hope for individuals seeking to regain control over their financial health. Offered typically by nonprofit organizations, credit counseling provides a structured approach to overcoming debt and achieving financial stability. Struggling with credit card debt? Visit American Consumer Credit…
Read moreApr 1, 2025
Why Gen Z Needs Budgeting Support Now More Than Ever
Understanding Gen Z’s Financial Health Gen Z—Americans born between 1997 and 2006—is entering adulthood at a challenging financial moment. With inflation, student loan pressures, and rising housing costs, it’s no surprise that many are feeling overwhelmed. But there’s good news: Gen Z is taking an active interest in managing their money. According to the 2024 Better Money Habits study…
Read moreMar 31, 2025
Key Terms You Need to Know to Manage Your Financial Health
Managing your finances is crucial for improving your quality of life. By understanding key financial terms, you can make informed decisions to improve your financial health and reach your financial goals. Here are some essential terms to know: Budget A budget is a plan for your expected income and expenses over a period, usually a month or year. It helps…
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