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Bob Lotich, CEPF®

10 Free Dates Your Wife Will Love

written by Bob Lotich, CEPF® | Saving Money

10 free date ideas that your wife will love - https://seedtime.com/10-free-dates-your-wife-will-love/

Alright, I can’t guarantee that she will “love” all of them, I mean what kind of guy would I be if I completely understood women? 😉 But, I am sure that she will at least love some of them, depending on the type of lady you have…

The art of thrift store shopping

written by Bob Lotich, CEPF® | Saving Money

The art of #thrifting (thrift store shopping)

If you have never gone thrift store shopping, you are missing out on one of the great joys in life! These are my tips for making the most of your thrift store shopping experience…

How to make more money with your emergency fund

written by Bob Lotich, CEPF® | Budgeting, Making Money, Managing Money, Saving Money

how to make more money with your emergency fund

This post will walk you through the steps to leverage your emergency fund to make more money…. Everyone’s definition of an emergency is different. But, if you want it to be of some use to you, you need to have a strict definition of an emergency. Your emergency fund should put more dollars into your pocket once it has been well established. Here is how:

Jesus Feeding 5000: My Takeaway

written by Bob Lotich, CEPF® | Biblical Personal Finance

jesus feeding 5000

The verse was the first thing that Jesus said after he performed a miracle and fed 5000 from a few fish and loaves. I don’t think I have ever heard a preacher talk about the verse, even though I have heard this story mentioned many times – as it is one of the more famous ones…

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…

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