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Dawn

15 Creative Ways to Decorate Your Home for Free

written by Dawn | Saving Money

15 Creative Ways you can decorate your home for free

I love to decorate my home. For me it is like having sprinkles on my cupcake. I even like changing things up a bit from time to time. Especially for all the Holidays and with each new Season. Decorations just set my mood and a tone for our home. Do you like to DIY decorate? […]

10 Frugal Landscaping Ideas to make Your Yard Amazing

written by Dawn | Saving Money

10 Frugal Landscaping Ideas - save money making your yard beautiful!

So, I’m starting to research frugal landscaping ideas to make my yard amazing this Spring. Bloggers have so many fab ideas! There are so many back yard projects, curb appeal DIYs that it’s hard to narrow down what will not only look best for my home, but also won’t hurt my wallet too much! I […]

20 Fabulous DIY ideas for Home Shelving

written by Dawn | Saving Money

Check out these 20 DIY shelving ideas to get some inspiration for your next DIY home shelf project!

One of the key items to bring harmony to my home is simply… organization.  There is nothing like coming home to a clean and organized house. Whatever I can do to make my life easier, less stressful, I totally take advantage of.  When things are in order, it’s a peace of mind.  There’s no frantic […]

15 ways to have a Fun and Cheap Family Night

written by Dawn | Saving Money

15 ways to have a fun and heap family night without breaking the bank

When is the best day to have a family fun night? I believe that it is always a good day to gather the family. For me, being with family can build lasting memories and time honored traditions. And, there is no better way to enjoy time with loved ones than by having a fun family […]

25+ DIY gift ideas for under $10

written by Dawn | Saving Money

25 DIY gift ideas under $10

With the approach of Christmas, I’m trying to find ways to gift those in my life while not spending too much. Let’s face it, one can go broke this time of year!  We focus on the gift, not the meaning behind it… or, at least I have been guilty of this.  Do our loved ones […]

35+ Creative DIY Christmas Decorating Ideas

written by Dawn | Saving Money

35 DIY Christmas decorating ideas

Christmas brings the crafter out in me. Not only do I want to bake and make homemade gifts, but I want to decorate! In most homes you will find a Christmas Tree decorated. And, in our home there is no exception! The Christmas Tree is a staple in our home during the Season. Not only […]

20 Brilliant ways to use Paper Rolls (Paper Towel & TP Rolls)

written by Dawn | Saving Money

Here are 20 ideas for you on how you can reuse and repurpose those old paper rolls from toilet paper and paper towels

There are few items that nearly everyone will have in their home. I think it’s safe to assume that the majority of homes in American have either Toilet Paper or Paper Towels in their home, or both. Which means, there are plenty of Paper Rolls being thrown out daily. I wanted to find out ways […]

35+ Creative DIY Thanksgiving Decorating Ideas

written by Dawn | Saving Money

35 DIY decorating ideas for Thanksgiving

Thanksgiving is for families. One of my favorite things in life is to be around my family. I want every holiday to be special.  And, for me, making a home festive for the holidays makes the day just that much more memorable. This year I am planning on having a girls craft day, prior to […]

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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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