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Dawn

25 DIY Gift ideas for Boss’s Day that may just get you that Raise!

written by Dawn | Saving Money

Boss's Day is October 16th! So if you are looking for some #gift ideas for your Boss, look no further than these 25 #DIY ideas!

Boss’s Day is just around the corner! If you didn’t know already, this year Boss’s Day is on Thursday, October 16th. Do you give a gift to your boss, showing your gratitude? If you do, we want to help you out! There’s no need spending mad cash trying to impress your boss. Instead, try a […]

20 DIY ideas for making your own wall art

written by Dawn | Saving Money

here are 20 inspiring DIY ideas for making your own wall art

There’s nothing more cherished than when you child comes home and pridefully shows you what they made in art class. Parents proudly display their children’s artwork without hesitation. As I think of how endearing it is to have personal artwork around the house, I wonder why I don’t have more? Yes, I love to be […]

25 Amazingly Creative Ways to Decorate Pumpkins

written by Dawn | Saving Money

Need some #pumpkin-decorating ideas? Here are 27 super creative ways to decorate pumpkins without carving the same old stuff in your pumpkins. Enjoy!

Pumpkins. What can I say! They are a staple around my house in the Fall. I am always looking for new pumpkin recipes and ways to decorate with them. When decorating, I love using fresh items to bring my home to life. From flowers to chili peppers and even pumpkins! The traditional route to take […]

30+ Kitchen Organization Tips

written by Dawn | Saving Money

30 kitchen organization tips

This article is a great compilation of the best ways to get the best use out of your kitchen.  Below are a few of my favorite kitchen organizing accessories – all can be found on Amazon for less than $50! Cabinet Organizers Your cabinets will hold more when you use shelves, dinner plate organizers, pan […]

20 Ways to Organize Your Car

written by Dawn | Saving Money

There are so many tips and tricks to help keep your car organized – check out a few of my favorite car organizing accessories!  You can find them all on Amazon for under $25! Backseat/Trunk Organizer From Amazon.com Car Organizer From Amazon.com Travel Trashcan From Amazon.com Backseat Kids Toy Organizer From Amazon.com All moms know […]

15 DIY Projects to Increase Your Home Value

written by Dawn | Making Money

Your home can serve as a great investment. Not only can a home serve as a place to reside but you can actually make a return on your investment. But, the trick is… how can you make a return on your investment without breaking the bank? Believe it or not, it can be done! With […]

30 Awesome Dorm Room Decor Ideas (Money Saving & DIY)

written by Dawn | Saving Money

Ways to save money

Although many college students are enjoying their Summers, July is a perfect time to start thinking about how you want to decorate your dorm room. There are a few topics that must be addressed when thinking about donning your dorm room. First, space is limited… so the little space that you have must be maximized! […]

30 Everyday Products You Can Make Instead of Buying at Walmart

written by Dawn | Saving Money

Financial Tools

I am in need of Walmart rehab! Walmart has been my go-to source for my household and pantry needs. Not only do their superstores carry almost every product I need, but often times their prices can’t be beat. I got to thinking, there has to be a better way than repetitively purchasing chemical laden products! […]

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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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