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Dawn

21 Bible Verses for when you need to feel God’s love

written by Dawn | Saving Money

Bible verses about God's love

In life, there may be times where you feel alone. Do not despair, for God is with you. At times we all need a little reminder of God’s presence and His love for us. John 3:16, arguably the most well known verse of the Bible, tells us: For God so loved the world that He […]

30 Motivational quotes to make it an Awesome day!

written by Dawn | Saving Money

30 motivational quotes to make it an awesome day

We all need a little encouragement from time to time. And, if today is a day where you’re needing some motivation, you’ve come to the right place. Let us help you start your day off with an inspiring quote or two (or thirty)! Tackle that day, ignite those dreams and be the change you want […]

20 Fun Alternative Ideas for Halloween

written by Dawn | Saving Money

pumpkins

Fall is one of my favorite seasons! I’m always looking forward to the leaves changing colors, the crispness in the air and everything pumpkin. With the arrival of Autumn… it seems as though many look forward to Halloween and focus on Halloween only. But, on the other hand there are many ways to avoid everything […]

25 Quotes that will change how you look at money

written by Dawn | Saving Money

Ways to save money

We live in a society where instant gratification is a state of mind, a way of life.  And, we have incredible debts as a result. Debts that weigh heavy on our shoulders. As I remember conversations I have had with my Grandma, I noticed my way of looking at money is very different than how […]

15 Bible Verses to start Your day off right!

written by Dawn | Biblical Personal Finance

Bible verses about giving

There is no better way to start your day off right than to be guided by the word of God.  Beginning your day in the word, is the best way to have a great day. And if you are a Christian who would like to have a thriving financial life freeing you up to be […]

20 Amazing Hacks that will make Your Life Easier and Save You Money

written by Dawn | Saving Money, Simplify

20 Amazing Hacks that will make your life easier ands save you money

Life is so stressful and I’m always looking for ways to minimize the stress in my life. One of the ways stress can be reduced is to simply make life easier. But, how? We would all love to find ways to make our life easier, right? What if I said that there are some AMAZING “life […]

25+ Free Things You Never Knew You Could Get For Free

written by Dawn | Saving Money

25 Free Things You Never Knew You Could Get for Free

Have you ever searched for what you can get for free? I’m not talking about anything unsubstantial. What if I told you, that you could get something of more value for free? Well you can! Just recently I had been on a quest of sorts to find what I can get for free.  I was […]

30 Cheap DIY Christmas Decorations

written by Dawn | Saving Money

Pin this Christmas Star to your Craft Board

One of my goals this Christmas is to have a handmade Christmas! Have you ever had a handmade Christmas?  Do you make something handmade every Christmas? To me, it is just so special to display items you have made yourself. Plus, by making your own decor, finished products tend to be of better quality and easier on […]

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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

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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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