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.
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.
We start by understanding your full financial picture: income, debt, expenses, and savings habits.
Together, we design a custom, values-based spending plan that supports your priorities without unrealistic restrictions.
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.
We walk with you—not just give you a spreadsheet. Because real results come from consistent steps forward.
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
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.
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.