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Bob Lotich, CEPF®

Should You Invest When You’re in Debt?

written by Bob Lotich, CEPF® | Saving Money

This question came from a reader the other day. He said: “I just watched your recent investing videos. What are your thoughts about investing while in debt? We’ve been going crazy paying off our debt, which has been great, but then I see other things that make me wonder if I’m missing out on some […]

A free savings goal calculator

written by Bob Lotich, CEPF® | Budgeting

link by prudential

I’ll be honest. I get contacted multiple times a day from various companies wanting to advertise on SeedTime or wanting us to promote “their thing”. And 99.9% of them get the delete button. Not all of them are bad (though many are), but I only work with advertisers that have products that I am actually […]

How we saved 75% off our vacation this year

written by Bob Lotich, CEPF® | Saving Money

vacation rentals

I wrote this article article a few years ago, but it has been updated for 2019. This February I took off for what we called a bit of a sabbatical rather than a vacation. But either way, it was great. We rented a condo on the beach and it was SO much cheaper than the […]

Prayer for finances (Printable PDF)

written by Bob Lotich, CEPF® | Biblical Personal Finance

Prayer for finances and scriptures to pray for financial breakthrough - FREE printable PDF

At many times over the years I have found myself in a challenging financial position and found myself praying for finances. While much of what I write about on this site are practical tips to improve your finances, the truth is that when you need a financial breakthrough, there really is no better move than […]

Was Jesus a tightwad?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Budgeting

Was Jesus a tightwad?

It seems that many Americans think the defining indicator of financial security is your lack of concern for waste. You can see it all over our culture with movie stars spending $30,000 on a designer handbag to carry their dogs in, or in the rock-n-roll lifestyle where music videos clearly portray the idea that,”money is no object,” often times in a competition of who can have the most gold chains or throw the most cash in the air.

19 Proverbs about money

written by Bob Lotich, CEPF® | Biblical Personal Finance

19 Proverbs about Money in the Bible

I still remember the first time I read through the book of Proverbs and I was fascinated that there were so many proverbs about money. The book is full of so much amazing wisdom and thankfully for us all, the Bible says a lot about money. So this isn’t all of the money proverbs, but […]

What Jesus said about money

written by Bob Lotich, CEPF® | Biblical Personal Finance

Through the written word, Jesus has given us a lot of instructions regarding how to manage our money. Money can be a touchy subject for many. However, it is an important area to consider. This is why Jesus made sure to talk about it a lot. Out of all the things Christ shared about money, […]

29 Scriptures on Finances (from Financial Experts)

written by Bob Lotich, CEPF® | Biblical Personal Finance

29 scriptures on finances

I asked some of the smartest Christian financial experts that I know two questions: What Bible verse has impacted your finances the most? And why? I wanted to see what scriptures have had the biggest impact in their lives and give them an opportunity to share the reason as well. My prayer is that the […]

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