Budget
Budgeting for Couples: How to Build a Money Plan That Works for Both of You
Learn how to budget as a couple without the stress. Explore real strategies for managing shared expenses, debt, and goals-while staying on the same page.
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5 minutes
Budget
How Many Categories Should You Have in Your Budget?
Wondering how many budget categories you really need? Learn how to build a flexible, simple budget that fits your lifestyle-and supports your credit goals.
Vince Adriatico
5 minutes
Budget
Saving for a Car: How to Get There Without Breaking Your Budget
Looking to buy a car without wrecking your budget? Learn how to save for a car, how much you need, where to park your money, and how Cheers Credit Builder can help.
Vince Adriatico
5 minutes
Budget
Grocery Budget for Two: What Couples Should Actually Be Spending
Wondering how much a realistic grocery budget for two is in 2025? Learn what couples are spending, why costs are rising, and how to stay on track while building your credit.
Vince Adriatico
5 minutes
Budget
Want to Take Control of Your Spending? Start with These 12 Essential Budget Categories
Learn how to structure your budget with 12 essential categories that cover real-life spending and support credit-building with Cheers. Start budgeting smarter today.
Vince Adriatico
5 minutes
Budget
Personal Budget Categories: A Simple System for Managing Your Money
Learn how to build a personal budget using smart, flexible categories like groceries, debt payments, savings, and more. This guide is for individuals-not households-who want to take control of their money and improve their financial future.
Vince Adriatico
5 minutes
Budget
Household Budget Categories: The First Step to Taking Control of Your Money
Learn how household budget categories can help you take control of your money, cut unnecessary spending, and build your credit—without the stress. Get started today.
Vince Adriatico
5 minutes
Budget
Budget Categories: The Simple Framework to Finally Take Control of Your Money
Learn how to set up budget categories that fit your real life. Explore trending budgeting methods like the 75/15/10 rule and debt snowball, plus how to build credit while you save.
Vince Adriatico
5 minutes

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Cheers is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus, which may negatively impact your credit score. This product will not remove negative credit history from your credit report. All loans are subject to approval.
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Accelerated reporting applies to the opening of your account, plus the first payment. Credit bureau reporting occurs monthly thereafter.
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Cheers Interest is calculated using an amortized repayment schedule at a fixed 12.15% Annual Percentage Rate (APR). Comparable products may charge APRs up to 36%, according to publicly available terms. Cheers also charges no administrative or hidden fees.
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Based on internal user survey data (2024), 95% of users with fair credit (580–669) saw a credit score increase of 20+ points after two months of on-time payments. Individual results may vary. Late or missed payments can negatively affect your credit.
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According to FICO®, 35% of your credit score is based on payment history, and 10% is based on credit mix. Cheers reports every payment and adds a secured installment loan to your profile. Source: myFICO
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