Budget & credit habits are fundamental financial management skills. As the basis of knowledge, everything else relies on understanding these terms and habits. Therefore, understanding your own competency on budgeting and credit management habits is a great place to start. Debt elimination is another basic and essential area of financial literacy. It is a priority among nearly all of us. Therefore, this month’s poll by American Consumer Credit Counseling is focusing on the basics. We want to understand your perspective on your budget and credit habits. Finally, take ACCC’s September poll and let us know your views.