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Bob Lotich, CEPF®

The Seesaw Principle

written by Bob Lotich, CEPF® | Debt Help

The seesaw principle

To get the most out of this lesson, I recommend watching the video here, but for the Cliffs-notes version you can just continue reading below… The one simple principle that changed my life forever And you probably have already heard it, just like I had for years. But it wasn’t until I finally “got it” […]

The 14 best money tools & apps I personally use

written by Bob Lotich, CEPF® | Saving Money

Financial Tools

This page is the Cliffnotes version of all the best financial tools I have discovered as a professional money blogger over the last 15 years. This means that you can save hundreds of hours of research and trial and error and get the shortcut to the best stuff out there. No joke, I opened 34 […]

4 Financial Lessons from Solomon (The Richest Man Ever)

written by Bob Lotich, CEPF® | Biblical Personal Finance

The Bible says that Solomon was the richest man who ever lived and also the wisest ever to live (1 Kings 4:31). I think that makes him qualified to give some financial advice

When you don’t see results from tithing

written by Bob Lotich, CEPF® | Biblical Personal Finance

For all the encouraging tithing testimonies that I hear from readers, I occasionally get people emailing or commenting something like this: “Tithing didn’t work for me” “I tithed for a while, but didn’t see results” “I quit tithing because I didn’t notice any change” I have wanted to write this article for a while addressing this, […]

25 Top Ways To Save Money (that work fast)

written by Bob Lotich, CEPF® | Saving Money, Popular

Ways to save money

25 ways to save money by not doing what “normal” people do. A lot of money can be saved by thinking “outside the box.”

5 Money Lessons for your Kids

written by Bob Lotich, CEPF® | Managing Money

I recently chatted with Art Rainer and we talked about how we can teach our children about money. It was a great conversation with some simple takeaways that I hope you enjoy! You can watch the video or read the transcription below! [mv_video key=”ss7nnaruk84gg3unzjnj” volume=”70″ sticky=”false” ratio=””] Bob Lotich: Hey everybody, I have Art Rainer […]

How to get out of credit card debt (on your own)

written by Bob Lotich, CEPF® | Debt Help, Popular

pay off a mountain of credit card debt

12 years ago, Linda and I confronted our debt and decided that we were going to pay off our credit card debt on our own (and fast if at all possible). We were determined to make the sacrifices necessary to eliminate it as quickly as possible. We had $46k in total debt (though not all […]

How we travel for free [161 hotel nights and 103 flights all free]

written by Bob Lotich, CEPF® | Saving Money, Popular

How to travel the US for free

I know when you read a title like “how to travel the U.S. for free” you can’t help but be suspicious. But stick with me on this – if this is new to you, you are going to like it. Over the last 5 years, we have gotten 161 hotel nights and 100+ flights all […]

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The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.


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