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Fresh Start

CreditFresh wants to be a partner on your financial journey. Falling behind on your finances can feel overwhelming. Often people don’t know where to start - but there is hope. Our mission is to provide you with information that can help you on your financial journey. A Fresh Start for your finances begins here.

Summer Budget Ideas

Person showing cash in their wallet

Featured  5 min read

The Hidden Cost of Summer – Why Americans Spend Nearly $2,000 More

Summer is traditionally seen as a season of vacations, family activities, and plenty of outdoor fun, but for many people, this period has now become one of the most expensive times of the year. To understand more, we wanted to investigate what consumers are spending each summer to manage the additional costs that summer brings. […]

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Find Financial Assistance and Savings Near You

SpringFour connects you with local resources to guide you through managing your finances.

Person using a calculator to calculate their tax refund.

New!  5 min read

Post-Summer Budget Reset: 5 Everyday Expenses to Review Before Fall

In this article: Cut out subscriptions Shop in your pantry first Take advantage of sales Don’t waste leftovers Plan ahead - time vs. money Summer spending can add up through higher utility bills, groceries, gas and activities. CreditFresh research found that 70% of 2,000 Americans surveyed in June 2026 spend more during the summer, adding […]

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Parents playing with their two children

4 min read

Back-to-School Budgeting: 6 Ways Parents Can Keep Costs Under Control

Back-to-school season can bring a concentrated wave of expenses, including supplies, clothing, technology, transportation and activity fees. Deloitte's 2026 Back-to-School Survey found that parents plan to spend an average of $557 per K-12 student. Half of respondents said they plan to cut back on other expenses, including dining out and entertainment, to make room in […]

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Budgeting

Parents playing with their two children

4 min read

Back-to-School Budgeting: 6 Ways Parents Can Keep Costs Under Control

Back-to-school season can bring a concentrated wave of expenses, including supplies, clothing, technology, transportation and activity fees. Deloitte's 2026 Back-to-School Survey found that parents plan to spend an average of $557 per K-12 student. Half of respondents said they plan to cut back on other expenses, including dining out and entertainment, to make room in […]

Lady writing things down while holding a baby

5 min read

How Families Are Cutting Back This Summer — And How to Manage the Financial Stress

When was the last time you made a spending decision based on stress rather than choice? Maybe you skipped dinner out, or booked a shorter trip than you originally planned, or reached for the cheaper version of something at the grocery store because you felt financially squeezed. If that sounds familiar, you're in good company […]

Family having a water gun fight

4 min read

Nearly 64% of CreditFresh Survey Respondents Expect Higher Summer Costs — Here’s Why

Summer is supposed to be the fun season. But it can also shape up to be an expensive one! According to a CreditFresh consumer survey, about 64% of people expect to spend more this summer than they did last year. Nearly half of those people are expecting the increase to be at least 10%. That's […]

Tips for better budgeting

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Impacting Credit History

man wearing blue sweater with reindeer pattern and holding cardboard box with red ribbon and twine

4 min read

How to Protect Your Credit During the Holiday Spending Season

Overspending during the holidays isn’t a foregone conclusion. Stick with a holiday budget to protect your wallet. Read on for more tips like this!

Person researching revolving credit online

5 min read

What is Revolving Credit?

Have you ever heard the term “revolving credit” and been confused? We break down some of the key features of this important financial concept!

How Long Will a Bad Credit Entry Last on Your Report?

5 min read

How Long Will a Bad Credit Entry Last on Your Report?

Like finding a stain in an otherwise pristine piece of linen, seeing a derogatory mark on your credit report can be frustrating.

How is my credit score impacted?

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Understanding Personal Loans

Parents playing with their two children

4 min read

Back-to-School Budgeting: 6 Ways Parents Can Keep Costs Under Control

Back-to-school season can bring a concentrated wave of expenses, including supplies, clothing, technology, transportation and activity fees. Deloitte's 2026 Back-to-School Survey found that parents plan to spend an average of $557 per K-12 student. Half of respondents said they plan to cut back on other expenses, including dining out and entertainment, to make room in […]

Person researching installment loans online on their computer.

4 min read

4 Potential Benefits of Installment Loans Online

Looking for a loan to help handle an emergency expense? Learn more about how installment loans online may be able to help!

4 Tips to Help you Calculate the Cost of Borrowing Money

4 min read

4 Tips to Help you Calculate the Cost of Borrowing Money

Understanding the cost of borrowing money goes beyond just knowing the interest rate of a loan. Learn more on what to consider when calculating the cost of a loan!

What is a personal loan?

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Saving Money

Person using a calculator to calculate their tax refund.

5 min read

Post-Summer Budget Reset: 5 Everyday Expenses to Review Before Fall

In this article: Cut out subscriptions Shop in your pantry first Take advantage of sales Don’t waste leftovers Plan ahead - time vs. money Summer spending can add up through higher utility bills, groceries, gas and activities. CreditFresh research found that 70% of 2,000 Americans surveyed in June 2026 spend more during the summer, adding […]

Keys in a front door lock.

5 min read

A Midyear Financial Reset: 8 Ways to Get Your Money Back on Track

Check out these 15 tips to help you manage your personal finances and maintain healthy financial habits.

Person looking at her phone to learn about saving money on essentials during times of inflation

4 min read

Summer Costs are Adding Up: 5 Ways to Save on Everyday Essentials

Inflation is a word we’re hearing a lot these days, and for good reason—it’s affecting everything from the price of groceries to gas to rent.

Tips for saving money

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