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Bob Lotich, CEPF®

Cash Crate Review – Legit or Scam?

written by Bob Lotich, CEPF® | Making Money

The sign up is simple enough. It only takes about 30 seconds and once you complete that, they take you to the below screen. Here you select which offers you would like to complete. You click the offer on the left and once you complete the offer, then you click the submit button. Cash Crate then verifies that you completed it and then adds the funds to your account.

Stress-free productivity: GTD review

written by Bob Lotich, CEPF® | Productivity

t is basically about improving your time management skills and as the title implies, getting things done more efficiently to live a less stressful life. I have read a couple similar books, Seven Habits of Highly Effective People, Zen to Done and a few other generic time-management type books.

What the Bible really says about prosperity

written by Bob Lotich, CEPF® | Biblical Personal Finance

What the bible really says about prosperity

I recently received an email from a reader asking me about some prosperity verses. I decided to dig in and do a bit more thorough study about it. I noticed a couple things that I hadn’t before about Biblical prosperity.

Christian Goal Setting

written by Bob Lotich, CEPF® | Biblical Personal Finance

christian goal setting

Should a Christian Set Goals? There seems to be a struggle for Christians in figuring out the appropriate balance between trusting God and waiting on Him and actively doing our part. Trusting in our own abilities to accomplish God’s work is the one extreme while not taking action when we should is the other extreme.

Dave Ramsey critics

written by Bob Lotich, CEPF® | Debt Help

dave ramsey critics

Dave Ramsey seems to attract quite a few critics these days. I have heard him being criticized for everything from being over-simplified to allowing people to use debit cards to buy his products.

Christians and Debt

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help

what the bible says about christians and debt

Should a Christian be in Debt? The Bible makes it clear that being in debt is not God’s best for us. I haven’t found anything to indicate that it is a sin for a Christian to be in debt

30 ways to use energy wisely during winter

written by Bob Lotich, CEPF® | Saving Money

My local gas company had a list of 30 Hot tips to use energy wisely. Below are some of the tips worth noting: Attic insulation could be your best investment. It lowers the cost of both heating and cooling.

Simplify your Closet

written by Bob Lotich, CEPF® | Simplify

simplify your closet

Tips for simplifying your closet. Most of us have clothes for different occasions. Clothes to lounge around the house in, to be casual, to dress up, to dress up really nice, to run errands in, to work in, to exercise in, to play in the snow in, to do yardwork in, and the list can go on and on. I always had a tendency to think that for each occasion I needed multiple outfits,

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