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Lynnae

Should a Christian Use Credit Cards?

written by Lynnae | Saving Money

Should a Christian use credit cards?

It seems like every day you get a new credit card application in the mail. One promises 10% cash back on Amazon purchases. Another promises free airline miles. And yet another offers you rewards from your favorite department store every time you make a purchase. You begin thinking — if you make every purchase on a cash […]

4 Ways to Watch Sports without Cable

written by Lynnae | Saving Money, Simplify

4 ways to watch sports without cable

I’ve been trying to cut the cable cord for years. If it were up to me, I’d be satisfied with Netflix and Amazon Prime. But I’m married, and I have kids. And my husband and son are both sports fanatics. A few years ago, we cut out cable as an experiment for one year. After […]

5 Reasons Your Kid Shouldn’t Go to College (and What They Can do Instead)

written by Lynnae | Career & Work

5 reasons your kid shouldn't go to college - and what they can do instead

[Note from Bob:  I get WAY too many emails from readers who take out over $100K+ in student loans and upon graduation discover that even low paying jobs can be hard to come by.  Many find themselves deep in debt with very little income – not exactly starting off on the right foot.   I […]

7 Steps to Take When You Lose Your Job

written by Lynnae | Career & Work

7 steps to take when you lose your job

“I’m sorry. We’re going to have to let you go.” These words strike fear into the hearts of wage earners across the U.S. every day. What if it happens to you? Do you know what to do? Two months ago my husband lost his job. It was tempting to panic, knowing our family had just […]

10 Easy Ways to Save Money at the Vet

written by Lynnae | Saving Money

Ways you can save money at the vet to take good care of your pets

You feel the familiar ache of worry in the pit of your stomach. Something isn’t right with Fido. He’s lethargic and not acting like himself. Is it something major? Fido is a part of the family. You can’t bear to see him hurting. In your heart of hearts you know it’s time to take him […]

6 Legal Ways to Get Help Paying Student Loans

written by Lynnae | Saving Money

College is expensive. There’s no denying it. According to The Institute for College Access & Success, 69% of students graduating from public and non-profit colleges in 2014 had some form of student loan debt. The average amount? $28,950. That’s a sobering thought. Paying off that kind of debt isn’t easy, but it is possible. And what […]

Why Your College Kid Needs a Credit Card

written by Lynnae | Managing Money

Imagining your college kid with a credit card could lead you to many sleepless nights. Spending out of control, over limit fees, and ruined credit — it’s enough to give a parent nightmares. With that in mind, what I”m about to write might surprise you. Your college kid might just need a credit card. Three […]

4 Steps You Should Never Skip When Buying a Used Car

written by Lynnae | Saving Money

Buying a used car is definitely the best way to get the most car for your money. Used cars depreciate much more slowly than new cars. However, purchasing a used car can be stressful. Did the previous owners take care of the car? Has it been in a wreck? Are there any recalls on the […]

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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

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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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