Budget Planning & Debt Reduction

Reduce Your Debt. Get Back Your Life.

Peace Starts with a Plan That Works for your finances and for you.

Debt can make you feel like you’re living in quicksand—just when you think you’re making progress, interest, expenses, or life events pull you right back in. But real debt reduction doesn’t start with a feeling, it starts with a plan.

At Momentum Wealth Solutions, we believe reducing debt and getting on a budget isn’t about restriction—it’s about intention. And debt reduction isn’t just about paying bills—it’s about reclaiming your future.

OUr Debt Reduction Program isn't a program, it's a plan.

This service helps you create a custom financial strategy that:

  • Tracks income and spending with purpose

  • Eliminates high-interest debt with a clear payoff timeline

  • Builds a realistic savings structure

  • Puts you in control of your cash flow

Whether you’re struggling with high-interest credit card balances, nagging student loans, or you find yourself at the end of the month wondering where all your money goes, we can help you find clarity.

Our Debt Reduction Process

From Overwhelmed to Empowered

1. Take a Complete Financial Snapshot

We start by understanding your full financial picture: income, debt, expenses, and savings habits.

2. Work With You To Build a Budget Strategy

Together, we design a custom, values-based spending plan that supports your priorities without unrealistic restrictions.

3. Payoff Planning & Debt Restructuring

We analyze the best ways to reduce or refinance high-interest debt. Strategies might include avalanche or snowball methods, consolidation options, or improving cash flow to accelerate payments.

4. Provide Accountability & Support

We walk with you—not just give you a spreadsheet. Because real results come from consistent steps forward.

What you should Know About Debt

  • The average credit card interest is over 21% or more!

  • Making minimum payments on a $1,000 balance will take more than 5 years and cost an additional $600 – $800.

  • Just paying an additional $20  will reduce your payoff time to 2 years and save you nearly $500.

  • The Average Credit Card Debt in the US for 2024 was over $7,100

I grew up in a home where debt was normal and money was always tight. That experience gave me empathy—and a passion to help others rewrite their story.

The Momentum Difference

No Shame. Just Strategy.

We don’t offer one-size-fits-all solutions or push financial products. Instead, we offer education, structure, and emotional support from someone who’s seen both sides of financial struggle.

You don’t have to be perfect to get out of debt—you just need a plan.

The Legacy of Budgeting

More Than Just Math

Good budgeting can mean:

  • Being able to take your family on vacation without stress

  • Giving to causes you care about

  • Buying back your time—and your peace of mind

We help you use your budget to build momentum, not just balance.

Ready to Make Some Forward Momentum?

We are here to provide personalized strategies and guidance to help you accomplish your long term financial goals.