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Craig Ford

10 Money Tips For Graduates

written by Craig Ford | Biblical Personal Finance, Debt Help, Managing Money

10 money tips for graduates

I keep checking my mailbox to get an invitation to speak at a school graduation, but alas, the invitation never came. Therefore, I’m going to share 10 tips I wish I had when I graduated (high school and college). 1. When given the choice to learn from your own mistakes or the mistakes of others . . .

4 Habits of Millionaires (Have Any of These?)

written by Craig Ford | Managing Money

habits of millionaires

The book The Millionaire Next Door analyzes the financial habits of millionaires. It shares the results from interviews and surveys with millionaires. The goal of the book is to give an accurate idea of what characteristics make a millionaire. I found four of those characteristics especially important . . . .

How to Survive a Financial Crisis: 12 Tips For Married Couples

written by Craig Ford | Debt Help, Managing Money, Simplify

How to survive a financial crisis: 12 tips for married couples

Job loss.  A lay off.  Fraud. Getting fired. Robbery.  Legal Issues. Credit card debt.  In a moment, any of these instantaneous events can shatter your financial plan. At times these events do not come alone, but they come in groups – event after event. Unfortunately, life is filled with disappointment, frustration, and surprise.  So what […]

10 Ways To Make Money For Teenagers This Summer

written by Craig Ford | Making Money

10 Summer Job Ideas for Budding Teen Entrepreneurs

Before dropping off your first application for a summer job, you should first first stop and define what the perfect summer job looks like. Some teens would love to spend the summer working at a camp, and others would be content setting up their own business. Here are a few fun summer job ideas and ways to make sure you define what you are looking for before you begin your search…

Personal Capital Review

written by Craig Ford | Managing Money

personal capital review

Personal Capital is an online personal finance tool that allows you to track all of your finances (budget, bank accounts, credit cards, and investments) all in one place. Best of all, it’s free! Here are some benefits as well as what you should know before you sign up.

10 Compelling Reasons to Give More

written by Craig Ford | Biblical Personal Finance

10 compelling reasons to give more

One would expect a Christian blog to talk about giving. We may ask, “how much should I give? Where should I give?” Giving is part of our Christian mission. If Christians can increase their giving by embracing missional frugality, much good will be done in their lives, in their relationship with God, and around the world.

How to Save Hundreds of Dollars By Taking a Day Off Work

written by Craig Ford | Managing Money

how to save hundreds of dollars by taking a day off work

Do you have a to do list that includes items you should have accomplished a year ago?  If you do, you are what I call normal. The January 2010 issue of the Sound Mind Investing Newsletter discussed something called a “fiscal health day” (a term they borrowed from a Ron Lieber article in the New […]

8 Money Questions That Have a Lasting Impact on Your Finances

written by Craig Ford | Managing Money

money questions that have a lasting impact on your finances

Making decisions can be hard work. Sometimes I get tired of trying to choose between all the options of life.  Truth be told, some decisions that I thought were important turned out to have little or no impact on my life.  Other decisions that I made are still impacting me (either positively or negatively). In […]

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Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

Simple Money Rich Life

Legal Disclaimer

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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