If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.

×

ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Tuesday Tip: Use The 10-Second Rule to Curb Impulse Spending

I don’t recommend shopping as a hobby or an activity to waste time. It can be so easy to just head out to the mall, walk down a strip of storefronts, or go online and start looking for things to buy. Things you don’t really need, but will probably buy out of impulse or even just boredom. We all do it. Sometimes we intentionally look for things to buy.  Sometimes we just happen to walk by a cool shirt or fancy new gadget and… BOOM. WANT THAT! However, this isn’t good for our finances, especially if we’re trying to work on debt management. Here’s one way to help curb impulse spending to keep your budget intact.

Follow our credit counseling advice to avoid impulse spending

Follow our credit counseling advice to avoid impulse spending.

It’s the 10-second rule.  Stand there and look at your “must-have” item for 10 seconds.  Take that time to really think about why you want it, and if you need it. If you can’t come up with a good reason in that time, then walk away.  You can keep thinking about it, and you might even go back and make the purchase.  That’s okay as long as you’ve thought about it and decided it was a good purchase.  Maybe you take more time and do some research.  You could find a better deal elsewhere, or find a coupon. Maybe you forget about it altogether. That’s when you really know it would’ve been a bad purchase.

This is what time buys you. When you avoid impulse spending, you find ways to save money.  The 10-second rule can help you save money and avoid impulse spending by using your logic.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.

ABOUT AUTHOR / Andi

Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

View all author posts →

creditU

Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/tuesday-tip-use-the-10-second-rule-to-curb-impulse-buys
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=tuesday-tip-use-the-10-second-rule-to-curb-impulse-buys
Loaded Template: single.php