Panic Payments: Why Throwing Money at Your Debt Isn't Working

Episode Summary You made a payment. A big one. And for about five minutes, you felt better—until you realized nothing actually changed. That's a panic payment. And in this episode, Tiyana breaks down why making random, fear-based payments toward your debt is costing you more than it's helping you. Through a client story of a woman working hard to improve her credit score while still relying on her cards for everyday expenses, and Tiyana's own experience with panic payments before she understood credit strategy, this episode gets honest about what's really happening when you throw money at debt with no plan behind it. Panic payments aren't a strategy. And until you have a personalized plan that tells you exactly what you're paying, why you're paying it, and when it will be gone, you'll stay stuck in the same cycle. If you're ready to stop throwing money at debt and start actually seeing it decrease, this episode is your next step.   Connect With Us Here Subscribe to our email list: https://therjfirm.myflodesk.com/email-list Apply to become a private client at therjfirm.com/links/ Join the group program, Her Money Confidence, at https://therjfirm.com/her-money-confidence Follow us on Instagram: https://www.instagram.com/therosaiahjamesfirm/ Follow us on TikTok: https://www.tiktok.com/@therjfirm Subscribe to our Youtube channel: https://www.youtube.com/@therjfirm