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Joe

8 Ways to Stay Motivated While Getting Out of Debt

written by Joe | Debt Help

You open that credit card statement and sigh. “It’s going to take forever to get this thing paid off.” When you add your student loan debt and your car debt, that sigh turns to a moan. You ask yourself, “How can I ever stay on task long enough to do this? Is there a way to stay motivated?”

Don’t file an insurance claim until you read this

written by Joe | Managing Money

Our daughter Jaime called to tell us, through angry tears, that she learned from her mortgage company that her homeowner’s insurance policy had been cancelled.

$500 a Month You Might Be Overlooking

written by Joe | Budgeting, Managing Money, Saving Money

An extra $500/m that you may be missing

Would an extra $500 a month help? Of course. And it is possible that you already have that $500; you simply need to corral it and use it.

6 Inspiring & Generous Givers from History

written by Joe | Biblical Personal Finance

6 inspiring givers from history... https://seedtime.com/givers-from-history/

Giving doesn’t always involve opening your wallet. Some of these unforgettable givers did indeed make amazing financial contributions to God’s Kingdom work, but others are amazing because they gave in other ways. Whatever the type of giving, I offer a “gentle challenge” for each, in hopes that you — like me — will become a better giver.

8 Common Sense Investing Tips Everyone Should Follow

written by Joe | Investing, Managing Money

common sense investing tips

Don’t look for specific investment advice in this article; I leave that to the experts. However, these commonsense strategies will give you a solid foundation for long-term — and successful — investing.

Why Did Jesus Drive the Money Changers From the Temple?

written by Joe | Biblical Personal Finance

Encouraging Bible verses

“When it was almost time for the Jewish Passover, Jesus went up to Jerusalem. In the temple courts he found people selling cattle, sheep and doves, and others sitting at tables exchanging money. So he made a whip out of cords, and drove all from the temple courts, both sheep and cattle; he scattered the coins of the money changers and overturned their tables.” (John 2:13-15 NIV) What does this mean for us today? Why did Jesus drive them out?

Should Married Couples Have Joint or Separate Bank Accounts?

written by Joe | Managing Money

should married couples have joint or separate bank accounts

John and Jane, a married couple, keep separate bank accounts . . . John has his money and Jane has hers, but they do not have a joint account. Running the household finances is a bit of a challenge, but they stay current on their bills by each taking responsibility for certain payments . . . .

How Having an Emergency Fund Can Help You Save on Insurance Premiums

written by Joe | Managing Money, Saving Money

how having an emergency fund can help you save on insurance premiums

Your emergency savings is set aside to be used for nothing but emergencies. Right? Right! But that very fund can also be used to help you save on insurance premiums . . . .

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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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