Greenwise Financial Solutions

09/01/2026

Credit-card balances increased by $21 billion during the second quarter of 2026, reaching $1.263 trillion nationally.

The New York Fed also reported that the rate at which credit-card balances moved into serious delinquency remained elevated and was nearly unchanged from a year earlier.

The important lesson is not simply that Americans owe more.

It is that many households are carrying balances that have become increasingly difficult to reduce—especially when interest charges absorb a significant portion of each payment.

National statistics cannot tell you which option is right for your household. They can, however, serve as a reminder to review whether your balances are:

• Declining consistently
• Remaining roughly unchanged
• Increasing despite regular payments

Understanding the direction of your debt is often more useful than looking at the balance alone.

Source: Federal Reserve Bank of New York, August 11, 2026
https://www.newyorkfed.org/newsevents/news/research/2026/20260811

Educational information only; not financial or legal advice. Individual circumstances vary.

07/17/2026

"The best time to take control of your finances was yesterday. The next best time is today."

Every financial journey starts with one decision. No matter where you are today, taking that first step can put you on the path toward a brighter financial future.

📞 We're here to help you explore your options.

07/13/2026

Life is unpredictable, and having an emergency fund can make all the difference when the unexpected happens.

A recent Forbes article found that many Americans have far less saved for emergencies than financial experts recommend. While the goal is often 3–6 months of essential expenses, many people are still working toward that milestone.

Here are a few simple ways to start building your emergency fund:
✔️ Set aside a small amount from every paycheck.
✔️ Keep your emergency savings in a separate account.
✔️ Use it only for true emergencies, not everyday expenses.

Remember, you don't have to save thousands overnight. Consistency is what counts. 🌱

How do your emergency savings stack up? Discover the median emergency savings by age in 2026, analyze structural saving gaps, and see if you are prepared.

07/08/2026

💳 Feeling like you're making payments but your balances never seem to go down?

High interest can make it feel like you're running in place.
You don't have to stay stuck.

📞 Reach out today to see how our debt settlement program may be able to help you reduce your debt and regain control of your finances.

07/04/2026

Wishing everyone a safe and happy Fourth of July! ❤️🤍💙

07/02/2026

☀️ Summer is for making memories, not creating more debt.

Vacations, BBQs, concerts, and weekend getaways can make summer one of the most expensive seasons of the year. Before you spend, take a few minutes to create a budget and stick to it.

A few simple tips:
🌴 Set a spending limit for summer activities.
🍔 Plan meals instead of eating out every day.
🏖️ Look for free local events and activities.
💳 Avoid relying on credit cards for expenses you can't pay off.

A little planning today can help you enjoy summer without the financial stress later.

06/30/2026

💙 Debt is part of your story, not your future.

Life happens. Medical bills, unexpected expenses, job changes, or simply trying to keep up with rising costs can leave anyone feeling overwhelmed.

The important thing is knowing you have options.

📞 Call us today to learn how our debt settlement program may help you take the first step toward financial freedom.

04/28/2026

💳 Credit Card Interest Rates Are Still Sky-High

According to the latest data from Forbes Advisor, the average credit card interest rate is now around 25%, making it one of the most expensive ways to borrow money.

Even a small balance can grow quickly when interest is this high, which is why many people feel like they’re not making progress, just keeping up.

Forbes Advisor’s weekly credit card rates report indicates that the current average credit card interest rate is 25.29%. The Federal Reserve also tracks U.S. consumers' average credit card interest rates. As of November 2025, it reported that the average credit card interest rate on accounts with

04/24/2026

🛒 Ever feel like your groceries don’t last as long as they used to?

You’re not imagining it. A recent report highlights how “shrinkflation” is hitting stores, same prices, but smaller packages. That means you’re paying more without even realizing it.

Studies show families are spending hundreds more per year on the same groceries, partly because products keep shrinking while prices stay high.

💡 Next time you shop, take a closer look at sizes and unit prices, you might be getting less than you think.

A family of four now spends $741 more a year than in 2020 for the exact same groceries.

04/23/2026

💳 Feeling Overwhelmed by Debt?

When the balances keep growing and the payments feel never-ending, it can start to feel like too much to handle. That constant stress isn’t something you should have to live with.

The good news? You don’t have to figure it out alone. We help people just like you find a way forward, reducing what they owe and creating a plan that actually works.

📞 Reach out today to see how our program can help you get back in control.