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Guest

7 Ways to Go to College for Free

written by Guest | Saving Money

Want to go to #college for free? These are 7 real and legit ways that you could actually do just that -

Tuition. Fees. Books. It all adds up! College can be ridiculously expensive, but it doesn’t have to be. Don’t accept the idea that you’re going to pay an arm and a leg for college. You can go to college for free.

The 5 Best And Worst Car Insurance Companies As Rated By Consumers

written by Guest | Saving Money

earning cash from your cars

Every year, J.D. Power and Associates ranks consumer satisfaction across a variety of industries and services using information gathered through surveys, and one of their most areas of expertise is the automotive world. Their list is acclaimed for its accuracy and respectability. In August 2009, they released their annual ratings of auto insurance providers determined by customer satisfaction…

10 Ways to Keep your Cell Phone from Running Your Life

written by Guest | Saving Money

10 ways to keep your cell phone from running your life

For many of us, our smartphone is the greatest productivity tool we’ve ever owned. Apps like Todoist, Evernote, and Dropbox make it easier than ever to plan, stay organized, and keep track of our lives. At the same time, our cell phone can be one of our greatest enemies. An interruption from a cell phone […]

How to use Dave Ramsey’s Envelope System [and 4 Envelope System Wallets]

written by Guest | Budgeting

how to use Dave Ramsey's envelope system to budget... https://seedtime.com/how-to-use-dave-ramseys-envelope-system-to-budget/

I have noticed that since I’ve started using the envelope system, I’m spending about $60 less per two-week period than when I used a debit card. I think it’s because when I lay three $20s down for groceries, it hurts! When I paid with debit, it didn’t really register with me. –My Total Money Makeover […]

22 Ways I Use Evernote To Get Control Of My Money and Grow In My Faith

written by Guest | Saving Money

22 ways I use Evernote to get control of my money and grow in my faith

Note from Bob: Today’s post comes from my friend and Evernote wiz – Andy Traub. It’s overwhelming trying to keep track of the massive amounts of information you are forced to deal with every day. You get email, paper receipts, bank statements and make on-line purchases. You take notes at work or in church but […]

The Best 5 Work-from-Home Jobs from Someone Who Has Tried Them All

written by Guest | Career & Work, Entrepreneurship

I've tested and tried out all the different work-from-home jobs out there and these are the 5 best ones -

Working from home is an excellent option for people who want to be with their families and still earn a living. When you work from home you can usually build a lot of flexibility into your schedule so that you can attend school functions for your children, care for sick family members, and tend to your household responsibilities . . . .

3 Ways to Learn Spanish
Online for Free

written by Guest | Saving Money

Here are 3 simple, #free, and even FUN ways you can start learning to speak #spanish online today!

Spanish is a fantastic language to learn (it’s one of the top spoken languages in the world), but it isn’t always easy. Besides the difficultly of learning a new language, there are cost considerations. Taking Spanish classes at a university or community college certainly costs money — not to mention transportation costs. Thankfully, the internet has made learning a new language convenient and, in some cases, free.

How to Open an Etsy Store: A Step-by-Step Guide

written by Guest | Entrepreneurship

Want to open an Etsy store to make some extra money? This article details every step in the process....If you haven't heard of Etsy, well basically is it a website that allows you to create a simple storefront to sell your crafts, homemade items, vintage items, or a lot more. It has exploded in growth over the last few years and many artists are finding it to be a great way to earn money from their creations.

If you haven’t heard of Etsy, well basically is it a website that allows you to create a simple storefront to sell your crafts, homemade items, vintage items, or a lot more. It has exploded in growth over the last few years and many artists are finding it to be a great way to earn money from their creations.

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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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