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Bob Lotich, CEPF®

25 Money-Saving Ideas For Your Wedding (From Pinterest)

written by Bob Lotich, CEPF® | Saving Money

25 amazing #wedding-ideas to help you actually save money on your wedding day!

12 years ago when I married my lovely wife, we got creative and had a wedding and reception (thanks to some awesome friends and family) that we loved for just a couple thousand dollars. But back then – before the days of Pinterest – we had to actually be creative. 😉 Now-a-days you can spend […]

Andy Stanley’s ‘Balanced’ Series

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

Andy Stanley Balanced

Earlier this year I listened to Andy Stanley’s ‘Balanced’ 6-part financial series for the second time. And I thought to myself, “I have got to find a way to share this with the readers.”

The Ultimate Guide to Building a Church Website For under $100

written by Bob Lotich, CEPF® | Saving Money

The ultimate guide to build a church website for under $100 and quickly! Step-by-step tutorials and instruction.

If you haven’t noticed by now, church websites have been popping up all over the internet. Some are good…some are not so good. Whether you have a church of 3,000 or 300, a website is a great tool for showing others about the church and connecting with new visitors. The best part is that a […]

Stewardship in the Bible

written by Bob Lotich, CEPF® | Biblical Personal Finance

stewardship in the bible

What is stewardship and how should it affect what we do with our money, time, resources, etc.? What does it really mean to be a “good steward”?

The Importance of Life Insurance

written by Bob Lotich, CEPF® | Saving Money

The Importance of Life Insurance

If you don’t have life insurance and you have a family that you support, today is your day. Part of preparation is for our benefit and part of it is for the benefit of our loved ones. In this case you and I won’t have any tangible benefit from purchasing life insurance, but the peace of knowing that our loved ones will have a nice financial buffer is pretty nice.

Making Sacrifices to Get Out of Debt

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

Making Sacrifices to get Out of Debt

This article focuses on the sacrifices that need to be made in order to get out of debt. The most important thing to remember about these sacrifices is that they are ONLY TEMPORARY!

How to Sell Your Stuff on Ebay

written by Bob Lotich, CEPF® | Saving Money

As part of my de-cluttering process, I sell my stuff on Ebay. There are lots of random items around the house that are perfect for selling on Ebay. If you have never sold on Ebay before, you will probably be surprised at how easy it is and how quick you can make a little money. Last time I made over $200 for only a few hours worth of time.

Do You Need an Emergency Fund?

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

Do you need an emergency fund?

Do you need an emergency fund? Well, I used to think of an emergency fund as robbing myself. Thankfully, I learned how beneficial an emergency fund is to my long-term financial well being.

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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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