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Joe

Should Our Giving Be Motivated by Rewards?

written by Joe | Biblical Personal Finance

Should Giving Be Motivated by Rewards

What was your immediate response to the title of this post? My guess is that most of you thought, “No way! Giving should be totally pure … with absolutely no self serving motives. After all, isn’t Agape love that pure love that expects absolutely nothing in return?”

7 Simple Ways To Raise Non-Materialistic Children

written by Joe | Biblical Personal Finance, Simplify

If you want to raise kids who aren't always obsessed with the latest and greatest, and who don't wrap their self-esteem in their possessions, then check out some of these tips to raise non-materialistic children -

Ironically, many children raised in wealth demonstrate the same tendencies as those who are raised in extreme poverty: depression, despair, attempted suicide, drug and alcohol use, and shoplifting. Why this behavior? The parents, who are way too busy making money, sacrifice meaningful time with their children.

4 Simple Ways to Pay Off Your Mortgage Early

written by Joe | Debt Help

Buying a home is a major expense — and a major debt. It’s said it’s the biggest purchase you’ll make in your life. A traditional mortgage loan is repaid over the course of 30 years, but today, some terms call for up to 40 years of repayment. To some, three or four decades seem like an interminable amount of time to take to pay off a debt… These are 4 simple ways to pay off your mortgage early!

7 Ways God Is Working In Your Finances

written by Joe | Biblical Personal Finance

7 ways God is working in your finances

Money is amoral, neither good or bad; how we handle it is the challenge. Therefore, we shouldn’t be surprised if a holy God wants to use money to guide us, challenge us, and improve us.

Helping Vs Enabling: How To Know Which Is Which

written by Joe | Saving Money

Helping vs Enabling - How to know which is which

Christians have a dilemma. We are told to help the needy and we are also told to be wise. The challenge is to do both simultaneously. Is it possible that our “help” isn’t actually helping? Could we be enabling instead? How do we know the difference? What are some guidelines? First, some definitions: Helping is doing something…

5 Reasons to Put Your Retirement Plans Ahead of Your Children’s College

written by Joe | Career & Work, Managing Money

5 reasons why you should put your retirement savings ahead of paying for your kid's college tuition

I recently spoke with a single mom who was planning to mortgage her paid for house in order to ease her children’s college burdens. Her logic? “I just can’t let them accumulate all of those student loans. What kind of a mother would?”

Financial and Life Lessons from 40 Years of Marriage

written by Joe | Saving Money

As I bask in the celebration of our recent 40th wedding anniversary, complete with surprise readings from each child, child-in-law and grandchild, I can see some great personal finance applications of the principles Jan and I used raising our four children.

The Problem With Tithing Your Time

written by Joe | Biblical Personal Finance, Managing Money

The problem with tithing your time

The argument I hear about tithing time sounds logical: “I just can’t afford it. Every penny is spent before the month begins. Wouldn’t God understand if I were to tithe my time instead of my money?” While I don’t believe this is a black-and-white issue, I do see some problems with this mindset.

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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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