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Bob Lotich, CEPF®

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…

I Remember

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

I Remember...

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card. I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes…

What the Bible says about about Lending

written by Bob Lotich, CEPF® | Biblical Personal Finance

What the Bible says about Lending

We all know the saying, “A borrow is a slave to the lender.” There are many articles about borrowing money. But, I want to address the Lender. Here are several Bible Verses I’ve found about Lending… should we lend? If so, when is it okay to lend? Exodus 22:25 If you lend money to My […]

What the Bible says about Work

written by Bob Lotich, CEPF® | Biblical Personal Finance, Career & Work

What the Bible says about work

Do you know the subject of work is found pretty frequently in the Bible? I wanted to know what the Bible has to say when it comes to work. There are a variety of examples from working together, needing to work, why you should work and more. In my study of scripture, I found several […]

20 Frugal Date Ideas for Valentine’s Day

written by Bob Lotich, CEPF® | Saving Money

20 frugal date ideas for Valentines day - and even for after V-day!

Since these days so many people are looking for cheap date ideas that are actually fun, I decided to create a little list of a few…

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