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Kevin Mercadante

Do You Need Supplemental Cancer Insurance?

written by Kevin Mercadante | Managing Money

supplemental cancer insurance

Reader Question: “Recently I was approached about a cancer policy from a fellow Christian. I’m having reservations about the practicality of it — each circumstance is different. Is supplemental cancer insurance worth it?”

10 Tips for “Keeping the Books” at Church

written by Kevin Mercadante | Managing Money

keeping the books at church

A reader recently requested that we provide an article that addresses the following question: “I have volunteered to do the financial books for my church. Could you maybe address some tips or suggestions on the best way to do this?”

How to Rent a Car Without a Credit Card

written by Kevin Mercadante | Managing Money

There is a common misconception that in order to get a rental car you must pay with a credit card. In reality, there are at least two ways to rent a car without a credit card. One is by using a debit card – and you probably already knew this – but the other may surprise you. It’s cash! Yes, cash.

There is a common misconception that in order to get a rental car you must pay with a credit card. In reality, there are at least two ways to rent a car without a credit card. One is by using a debit card — and you probably already knew this — but the other may surprise you.

6 Simple Ways You Can Improve Your Credit Score

written by Kevin Mercadante | Debt Help

6 simple ways to improve your credit score

If your credit score has fallen recently, due to a missed payment or two, or perhaps you have too much credit outstanding, there are some simple ways you can improve on your credit score that will get it back on the right track. Doing a combination of several of these could see your credit score rise significantly in just the next few months — and that goes for your credit score at each credit repository.

Is the Dollar Going to Collapse?

written by Kevin Mercadante | Biblical Personal Finance, Managing Money

is the dollar going to collapse

An annual budget deficit of over $1 trillion, annual trade deficit in the neighborhood of $728 billion, an official national debt of $16.7 trillion, and unfunded liabilities of $123 trillion. How much longer can we continue to carry such enormous liabilities with such low income? Will the dollar collapse under the weight of so much debt?

Can You Live on a Single Income?

written by Kevin Mercadante | Career & Work, Managing Money, Saving Money

can you live on a single income

If your household has always survived on at least two paychecks, the thought of living on a single income can be intimidating. It’s tough enough to live on two incomes — but one? It’s actually doable, but it can require a radical plan of action.

5 Reasons Why People Don’t Save For Retirement

written by Kevin Mercadante | Managing Money, Money Mistakes

reasons why people don't save for retirement

Have you ever wondered why you don’t save more for retirement? Or why others who you know don’t? If saving for retirement is so important, why don’t we do more of it, or even do it at all? I’ve come up with a handful of reasons, and all have to do with either personal attitude and preferences, or with life circumstances. Sometimes we just have to overcome ourselves, and other times we face circumstances that limit our efforts.

A New Baby Checklist – What You’ll Need!

written by Kevin Mercadante | Saving Money

Are you welcoming a new baby to your family? If you are, there are a few things you’re going to need, and it’s best that you get as many of them before the baby arrives as you can. Life happens very quickly when a baby comes along, and advanced preparation is truly a virtue. To make it a bit easier to keep track of what you need, we’ve assembled a list of the general categories of baby related needs, and a more detailed list within each category.

Are you welcoming a new baby to your family? If you are, there are a few things you’re going to need, and it’s best that you get as many of them before the baby arrives as you can. Life happens very quickly when a baby comes along, and advanced preparation is truly a virtue.

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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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