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Joe

Surviving Spouses: Financial Do’s and Don’ts

written by Joe | Managing Money

financial dos and donts for surviving spouses

Because losing a spouse is commonly considered to be the most stressful event which can happen in a person’s lifetime, the surviving spouse faces the dilemma of needing to make clear financial decisions while dealing with the trauma of this loss. This “Do’s and Don’ts” checklist will help give direction to those who are navigating these rough waters.

Living or Giving More? Financial Lessons From John Wesley

written by Joe | Biblical Personal Finance, Managing Money

financial lessons of giving more from john wesley

John Wesley (June 28, 1703 — March 2, 1791) was a Church of England cleric and Christian theologian who taught — and lived out — some financial principles which continue to challenge us today. Wesley’s principles for money can be summarized with these three thoughts . . .

8 Tips for Dealing with Bill Collectors

written by Joe | Debt Help, Managing Money

tips for dealing with bill collectors

If you have ever been on the receiving end of menacing phone calls from a bill collector, the title of this article probably spiked your blood pressure. Yes, this is a stressful experience, but it doesn’t have to be a nightmare. These tips will help.

7 Tips To Ask Your Boss for a Pay Raise

written by Joe | Career & Work

Corporate building

A few years ago I was working at a job which I loved, but which paid less than what I considered the market rate for my experience and expertise. I therefore decided to ask my boss for a raise…

How to Give God’s Way

written by Joe | Biblical Personal Finance

Giving Hands

Some people love this season of giving; some endure it and others just wish it would go away. Whichever camp you fall in, I believe that giving God’s way will bump up the quality of your holidays…

Words of Encouragement For Tough Times:

written by Joe | Career & Work

Winston Churchill

As America experiences foreclosures galore, coupled with extended periods of high unemployment and ever increasing bankruptcies, our individual and corporate challenge is this: “How do you handle tough times?” The above quiz is only a snippet of how, throughout history, trials have catapulted people into greatness…

6 Retirement Planning Tips For Middle-Aged Procrastinators

written by Joe | Managing Money

retirement planning tips

My 56 year old friend Colin (fictitious name), recently told me that he plans to retire at age 65 and then kick back and do what he wants. His retirement will include traveling when and where he (and his wife) choose, driving his vehicle of choice and pretty much living the good life…

Should You Sell Your House to Pay Off Debt?

written by Joe | Debt Help, Managing Money

should you sell your house to pay off debt

“Help!” you are crying. “My debt load is weighting me down so much that I am considering selling my house to get rid of it. Should I?” Although I appreciate your willingness to sacrifice in order to dump debt, selling your house may not be the best way. Ask yourself the following question: Why am I in debt?

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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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