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Bob Lotich, CEPF®

Passive income vs NONpassive income [and 7 ways I earn passively]

written by Bob Lotich, CEPF® | Making Money

7 ways I earn passive income

I remember thinking, “You mean you can actually do work one time and get paid over and over again?” And as someone who knew nothing other than working for an hourly rate, earning passive income was a truly fascinating idea. It was 10 years ago, and it was the first time I was presented with […]

The Step-by-Step Guide to Clean and Repair your Credit Report

written by Bob Lotich, CEPF® | Debt Help

A step-by-step guide to help you clean and repair the errors on your credit report

The following article was written by our CFP® friend Neal Frankle. He is the chief editor of WealthPilgrim.com. Nobody’s perfect. You aren’t and neither am I. But neither are the credit bureaus who compile your credit history or the creditors who report to those bureaus. If you have some splotches on your credit report the […]

How To Manage Bills With A Bill Payment Schedule (Free Download)

written by Bob Lotich, CEPF® | Budgeting, Managing Money, Simplify

Making money blogging

Why not implement the same type of planning to the paying of your bills? Rather than sporadically paying them as they come in, or checking a pile on your desk every few days, you should be able to designate 2 days a month to pay your bills…

Bible Verses about saving money

written by Bob Lotich, CEPF® | Biblical Personal Finance, Saving Money

Bible verses about saving money

When it comes to money and the Bible, several topics are discussed. I was on a mission to find Bible Verses about saving money to share with you. There were many scriptures discussing saving, but I listed the ones I need to remember! Proverbs 21:5 The plans of the diligent lead surely to advantage, but […]

How I Broke Free From The Rat Race (in less than 2 years)

written by Bob Lotich, CEPF® | Saving Money, Career & Work, Debt Help, Making Money, Managing Money

A little over a year ago I ventured out into self-employment after spending much of the previous decade in the “Rat Race”. For most of that time I was a glorified pencil-pusher in the corporate abyss of a Fortune 500 company.
Now that I have spent over a year working for myself I can’t imagine doing anything else. For as trapped and held down as I felt before, I feel the opposite extreme of the joy of freedom. Just to be clear, self-employment has it’s own challenges and difficulties, but I honestly think they pale in comparison to what I went through while spinning my wheels in the Rat Race.

How To Set Up A Budget With Inconsistent Income

written by Bob Lotich, CEPF® | Budgeting

The fact is, it is more difficult to set up a budget when you never know how much you are going to make each month – but it still can (and in my opinion) should definitely be done. I happen to think it is far more important for those with irregular income to set up a budget because of the quick damage that can be caused if you don’t…

Christian Budgeting – Bible Verses about Budgeting

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

Christian Budgeting Bible verses about Budgeting

Do you have a household budget? Everyone needs to have a budget. From experience, budgeting allows freedom. When you tell your money where to go, I’ve found that I actually have more money. Instead of wasting money on daily insignificant wants, I can afford my goals of bigger wants! The Bible also discusses the need […]

Starting an Ebay Business: A Step-by-Step Guide

written by Bob Lotich, CEPF® | Entrepreneurship, Making Money

A while back I did an experiment to see if I could start a profitable Ebay business. This article shows how I did it and what my results were…

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