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Tim

Why You Need a Financial Fast

written by Tim | Saving Money

Why you Need a Financial Fast

The Bible doesn’t limit fasting only to food and drinks. Anything that can be given up temporarily so that we can focus our full attention on God can be viewed as a fast.

15 Fundamental Truths of Personal Finance

written by Tim | Saving Money

fundamental truths of personal finance

It’s best to set in stone some core financial principles sooner rather than later. Here are some fundamental truths you should always keep in mind.

5 Christmas Shopping Mistakes to Avoid

written by Tim | Saving Money

Before you rush to the store or add something to your cart online, now’s the perfect time to think about some of the biggest mistakes that you should avoid this season. Whether you’ve already completed your shopping, or still have a lot to do, these five mistakes could make for a blue Christmas if you’re not careful.

Christmas is around the corner, and with Black Friday behind us you might need to up your game if you’re not done with your list. But before you rush to the store or add something to your cart online, now’s the perfect time to think about some of the biggest mistakes that you should avoid this season.

Fun & Easy Way To Memorize Bible Verses (Step-By-Step)

written by Tim | Biblical Personal Finance

How I memorized 500 Bible verses - and it really is easy!

In my high school years, I gave up sports for a different activity — Bible Quiz. For those who have never heard of Bible Quiz, it’s an activity in the AG churches that brings together youth to quiz them on different books of the Bible each year. Yes, it sounds dorky, but we ended up memorizing over 2,000 verses that sharpened our minds and strengthened our faith!

7 Ways to Control Your Spending

written by Tim | Managing Money, Money Mistakes

Ways to Control Your Spending

Spending must be a conscious activity What do I mean by that? Have you ever said the following at the end of the week or month: “Where on earth did my money go?”  I know that I’ve said that! The idea behind conscious spending is to break the habit of spending whenever you ‘feel’ like […]

What’s Your Financial Personality?

written by Tim | Saving Money

What if there was a scale that you could use to classify your financial personality?

Subsidized vs. Unsubsidized Student Loans

written by Tim | Saving Money

When borrowing money for college, students have two different types of federal student loans that they can access: subsidized and unsubsidized. What are the differences between these two types of loans? Which type of loan is more attractive for students?

Faith and Giving Lessons from C.S. Lewis

written by Tim | Biblical Personal Finance

In his book, Mere Christianity, C.S. Lewis explains an aspect of the Christian faith by comparing it to receiving and giving a gift.

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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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