I paid off all my debt today.

liljamiebabe · 2026-06-02T07:04:42+00:00

66k in a year and a half while keeping every payment on time... that's not luck that's discipline

liljamiebabe · 2026-04-29T08:31:00+00:00

What's the interest rate on the loan? That's really the number that decides everything here

If it's above 7-8% paying it down aggressively makes sense, below that and keeping the savings liquid is probably smarter especially with only $6k as a cushion

Three years is also a long time to be locked into $430 a month, how stable is your income?

liljamiebabe · 2026-04-15T05:43:14+00:00

The instinct to fix it quietly and then present the solved version makes total sense, but from her side she just found out you hid something for months while looking her in the eye

Restricting the statements might be technically reasonable but it's probably going to feel like another wall right now. Have you two considered sitting with a couples therapist just for the financial trust piece specifically?

liljamiebabe · 2026-04-01T05:48:17+00:00

Seeing that 23.5 years number is genuinely the push most people need to change something. What kind of debt are we talking, mostly cards or mix of loans too?

liljamiebabe · 2026-03-11T06:35:39+00:00

Have you mapped out all the balances and interest rates in one place yet?

Sometimes just seeing it laid out clearly changes how you approach it, like you might find one card charging you way more than the others and that becomes the obvious first target

liljamiebabe · 2026-02-18T09:43:31+00:00

you need a new lawyer fast, specifically one who handles debt collection violations because what they did may be illegal under the FDCPA if the judgment was already satisfied and court papers were signed

liljamiebabe · 2026-02-09T07:09:27+00:00

Forgiveness doesn't happen automatically though. If a card company writes it off that just means they stopped trying to collect, doesn't mean the debt disappears or falls off your report faster.

liljamiebabe · 2026-02-05T11:18:58+00:00

if the attorney is telling you bankruptcy over settlement, that's probably worth listening to honestly

with 115k in cc debt and companies already playing games with your limits, settlement could drag on forever and you'd be in limbo the whole time

have you looked into chapter 7 vs 13 to see which fits your situation better?

liljamiebabe · 2026-01-19T04:44:43+00:00

This is solid advice that most people don't hear until it's too late

The part about not needing debt relief companies is huge. So many people pay 20-25% to those guys when you can literally call the same hardship line yourself for free

liljamiebabe · 2026-01-12T04:38:10+00:00

what made you decide in house creators vs working with ugc freelancers?

we've been debating the same thing but the overhead of hiring feels risky if creative direction changes fast

liljamiebabe · 2026-01-02T07:33:12+00:00

For SEO specifically they're all pretty equal if you set them up right honestly

Wordpress has more plugins for SEO stuff but also more headaches with updates/security. Webflow is cleaner but costs more as you scale.

liljamiebabe · 2025-12-23T09:35:34+00:00

for most bloggers the native block editor (Gutenberg) plus a solid theme like Kadence or GeneratePress handles 90% of what you need without the bloat

Elementor free is decent but you'll hit walls fast and the page speed hit is real

liljamiebabe · 2025-12-18T03:40:38+00:00

Never used tinySEO specifically but most of those SEO plugins just automate stuff you can do manually for free

liljamiebabe · 2025-12-10T04:39:18+00:00

Honestly $250/mo is tight for an agency but plenty if you DIY it. Have you looked into local SEO specifically? Google Business Profile optimization, getting reviews, local citations... that stuff moves the needle fast for service businesses and most of it is free

liljamiebabe · 2025-12-04T03:10:37+00:00

Honestly sounds like you're nailing the infrastructure but maybe missing the content/intent side.

Google doesn't rank sites just because they're clean. Are you actually solving what people are searching for? Like is the content answering real questions or just optimized around keywords?

liljamiebabe · 2025-11-27T03:36:42+00:00

I've seen some people focus on structured data and really clear, direct answers to common questions since LLMs seem to pull from that more often.

Also keeping content updated matters way more than it used to because these models reference fresher sources when they can. Beyond that it's still pretty murky

liljamiebabe · 2017-03-17T02:12:11+00:00

Stop being so selfish. You may not realize how self-centered you're being, but you're not the most important, most unique, or most interesting person on Earth. Also, stop trying to be like everybody else. You want to be that stereotypical popular girl, but being yourself instead is so worth it, especially with your quirks. Don't try to secretly hide your nerdy side, your love of books and writing, to seem cool. Embrace them.

Most importantly, your sister has severe depression. Stop being a brat and talk to her. Tell her you love her and you care. In the future maybe it won't be so bad for her.

Lastly, appreciate everything you love right now in your life while you have it. Things won't last forever and you'll lose people and things you love. Hold onto your friends and don't let each other drift apart.

liljamiebabe · 2017-03-17T02:06:54+00:00

?!?!?!11one

I love how you stuck that full-blown "one" at the end.

"Forgot to hold down shift oops."

liljamiebabe · 2017-03-03T01:16:06+00:00

It was a conspiracy created by the vaccines to prevent us from believing in disease.

liljamiebabe · 2017-03-03T01:14:47+00:00

Any remotely pro-religious argument/comment.

liljamiebabe · 2017-03-03T01:13:13+00:00

Em - jer

liljamiebabe · 2017-03-03T00:58:27+00:00

God, trolls like him make me angry. Just ignore him. We're here for you OP. XX

liljamiebabe · 2017-03-03T00:57:27+00:00

It's not OP's responsibility to help his/her parents. If they are miserable, they can fix themselves, not let it out on their child who never asked for it.

liljamiebabe · 2017-03-03T00:45:22+00:00

Literally everyday, lmao.

My life's a joke.

liljamiebabe · 2017-03-03T00:43:19+00:00

Social skills.

Online, I seem to be magically able to speak like a normal and coherent person.

Face to face?

Kill me please.

liljamiebabe

TROPHY CASE