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Bob Lotich, CEPF®

How Cars Affect your Financial Freedom

written by Bob Lotich, CEPF® | Debt Help, Saving Money

How your car dramatically affects your financial freedom...

I had a revelation about cars that has caused me to not really care what mine looks like. It’s not that I don’t want a really fast car, it is just that there is something I want a bit more: financial freedom.

Biblical Success: What the Bible says about Success

written by Bob Lotich, CEPF® | Biblical Personal Finance

What the Bible Says about Success

What do you define as success? Is it landing your dream job? Is it having a huge nest egg in the bank? Maybe success to you is finding our soulmate. Whatever success means to you, I want to let you know how the Bible defines success. After researching scripture, here’s what the Bible has to […]

How to finally get started with your business idea

written by Bob Lotich, CEPF® | Entrepreneurship

Have you been dreaming of starting a business? Check this out to get a little help to finally get it started!

I remember sitting in my cubicle, with cloth walls surrounding me – or should I say caving in on me – with the sterile glow of a fluorescent light above my head. I had to stand up and look 50 yards in either direction just to catch a glimpse of sunlight. I still remember the […]

How to become richer than Rockefeller

written by Bob Lotich, CEPF® | Biblical Personal Finance

What you can do today to become richer than John D Rockefeller

So if we think of “wealth” in terms of amenities and luxuries rather than the number on our bank statement, I would say we are doing pretty good.

Dear Friend/MLM Member: Please Don’t Do This

written by Bob Lotich, CEPF® | Entrepreneurship

Dear Friend/MLM Member: Please Don’t Do This... https://seedtime.com/dear-friend-mlm/

For the purposes of the article, I am defining Multi-level Marketing as any business that has a downline. Meaning members earn a percentage of the earnings of those they recruit.  I currently have family members in MLMs, some friends in MLMs, have been recruited by Primerica and many others, and my wife even sold Stella and […]

Bible Verses about Planning

written by Bob Lotich, CEPF® | Biblical Personal Finance

Bible Verses about Planning

We all know that it’s best to have a plan, when it comes to almost everything. The Bible doesn’t leave out this tool. We need to plan. I’ve studied scripture to find Bible Verses about Planning. Let’s see what the Bible says! Genesis 41:34-36 Let Pharaoh take action to appoint overseers in charge of the […]

Do Not Worry! 7 Bible Verses about Worry

written by Bob Lotich, CEPF® | Biblical Personal Finance

The uncertainty of life can get us down and cause worry in our lives. But, as a Christian, I am certain of who holds my future. Because of this, worry should be far from mind. God does not want us to worry! Let’s study scripture as we look at 7 Bible Verses about Worry… Isaiah […]

My New Favorite Money-Saving Strategy That You Aren’t Using

written by Bob Lotich, CEPF® | Saving Money

My newest money-saving strategy that you probably aren't using

I just love finding new ways to save money.  It is kind of an addiction really. 😉  And after spending years being a guinea pig with a lot of money-saving tips I created this 3-step process I used to help me save over 50% on almost all of my purchases. So today I just want […]

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