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Jen

10 Bible Verses to Meditate on Bad Days

written by Jen | Biblical Personal Finance

Bible verses about giving

Bad Days.  We all have them.  Thankfully we also have the Word of God to turn to on days that just seem too hard to handle.  I love that, don’t you? The next time a bad day rears its ugly head, meditate on these 10 verses and be reminded of how much God cares for you! Philippians […]

12 Inspiring Quotes that will help you through even the worst days

written by Jen | Saving Money

12 inspiring quotes that will help you through even the worst days

Having a bad day? Things will get better.  Know that you can make it and that you are not alone! If you are having tough days lately, we want to inspire you with these 12 quotes that will help you through the worst days.

14 quotes to help you stay out of debt

written by Jen | Saving Money

Staying out of debt (and then getting out of debt) can be hard. There is always something tempting us to spend our money… even when we don’t have money to spend. We need to remind ourselves that it is ok to NOT buy every new thing that is advertised. We can live with less and still […]

15 baby toys that you can make for free

written by Jen | Saving Money

15 baby toys that you can make for free!

Who said babies have to be expensive? I am due in a few weeks with baby #3 and let me tell you that I have learned that you don’t need most of the baby stuff that stores try to sell.  Especially when it comes to toys. Babies tend to want to play with everything and […]

20 ways to use worn out clothes that you’ve never thought of

written by Jen | Saving Money

20 ways to use worn-out clothes and repurpose them

Don’t throw away those worn out clothes, instead repurpose them! There are lots of ways to repurpose clothes and breathe new life into them. We have rounded up 20 creative ideas for your worn out clothes to get you inspired to repurpose what you already have just sitting in your closet, let’s DIY! Those stretched out […]

15 Healthy Slow Cooker Meals for under $10

written by Jen | Saving Money

15 healthy slow cooker meals you can make for under $10

Fall is the perfect time to break out the slow cooker.  I love that my family and I can still have healthy, home cooked meals for dinner, without the fuss and cleanup of actually preparing a huge meal every night.  Slow cookers are the perfect tool for a busy family and can help you save […]

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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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