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Bob Lotich, CEPF®

16 Legitimate Home Survey Companies?

written by Bob Lotich, CEPF® | Saving Money

16 legit home survey companies... https://seedtime.com/legitimate-home-survey-companies/

These are some of the survey sites that I have either heard good things about from readers or have some reason to believe that they are legit…

Should You Get LED Lights to Replace Your Incandescent Bulbs?

written by Bob Lotich, CEPF® | Saving Money

…At first glance that could seem like a ridiculous price to pay for a light bulb. But if you consider the fact that this light bulb is rated for 25,000 hours – which is 23 years if you use it an average of 3 hours a day – this may not be a bad price…

YNAB Budgeting Software Review

written by Bob Lotich, CEPF® | Budgeting

ynab 3 review

Jesse has done a fantastic job of creating a beautiful user interface that is intuitive and effective. After the issues I experienced with Mvelopes, YNAB was the perfect antidote. Like I mentioned before I really liked the “system” that Mvelopes created, and had I not had interface issues I would still be using them.

Reminder: It Is More Blessed to Give Than Receive

written by Bob Lotich, CEPF® | Biblical Personal Finance

it is more blessed to give than receive

Philippians has always been one of my favorite books of the Bible and I have always had a particular fondness towards the 4th chapter. It is one of the most joyous books in the Bible and even though we might expect that it was written during wonderfully joyous circumstances, it was actually written while Paul was in prison…

Looking For Job Sites To Find A Job?

written by Bob Lotich, CEPF® | Career & Work

11 job sites to help you find your next job... https://seedtime.com/looking-for-job-sites-to-find-a-job/

Thanks to the internet, job-seekers don’t have to just rely on the newspaper ads (which don’t work very well anyway) to find a job. There are thousand of job sites available that can help you in your job search…

The Widow’s Mite: Do We Have it Wrong?

written by Bob Lotich, CEPF® | Biblical Personal Finance

I have always heard the story of the Widow's Mite used in the context of sacrificial giving - as that seems to be the most common interpretation among Christians. But the commenter argues that it isn't about that at all.

I have always heard the story of the Widow’s Mite used in the context of sacrificial giving – as that seems to be the most common interpretation among Christians. But the commenter argues that it isn’t about that at all.

Resources and Ways to Cut Your Debt Load

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

Resources and Ways to Cut your Debt Load

The series/eBook basically takes you through all the things that my wife (Linda) and I have done to pay down our debts. When we got married we had about $40,000 of debt. Even though that was a sizeable amount of debt, we had a very strong desire to get rid of it. This intense desire drove us to make sacrifices that seemed pretty uncommon when we looked at those around us. But, as Dave Ramsey often says, “You have to live like no one else (now), so that you can live like no one else (in the future)”…

John D. Rockefeller Quote on tithing

written by Bob Lotich, CEPF® | Biblical Personal Finance

john d rockefeller on tithing

“I never would have been able to tithe the first million dollars I ever made if I had not tithed my first salary, which was $1.50 per week.” ”” John D. Rockefeller

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