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Tim

3 Ways to Find Gifts for Difficult-To-Shop-For Friends and Family

written by Tim | Saving Money

we all have some people in our lives that are very difficult to shop for. Check out these 3 ways to find even the most difficult ones gifts that they will love!

How many of you would agree with this statement: I like to give people gifts, but figuring out the right gift is tough. Every time a birthday, anniversary, or Christmas comes around, I find myself scrambling to figure out which gift is best for each person. The last thing I want to do is give a gift that ends up in the closet unused or still in the package next year.

The Parable of the Sower: A New Perspective

written by Tim | Biblical Personal Finance

It’s fascinating to read the parables of Jesus because there always seems to be something new that comes from it. That’s how I feel about the parable of the sower.

4 Keys to Break Free from Your Debt

written by Tim | Debt Help

4 keys to paying off debt

Getting out of debt can be tough, but these principles can help you get through it much easier.

15 Fantastic Jobs for 15-Year-Olds (Awesome Opportunities)

written by Tim | Making Money

In today’s job market, it can be hard for a teenager to find a job. I remember looking for jobs when I was 15 — they were hard to come by! Don’t let the idea of not having a car keep you from finding work. If you’re willing to work, you can find something that’s worth your time.

Do You Need a Living Trust, a Will, or Both?

written by Tim | Managing Money

Do you know what happens if you die without a will? "Some states have stuck to the traditional approach of giving a one-third share to the spouse, with the children dividing the rest. Others give spouses one-half. Mississippi gives an equal share to the surviving spouse and each child; if there are nine children, the spouse gets a measly one-tenth of the estate." Click to get started and make one today!

Many people don’t really enjoy thinking about their impending passing from this earth, which means that questions about wills, trusts, and estate distribution can be disconcerting. Still, it’s smart to consider what will happen to your estate and your sentimental belongings at your passing.

How the 80/20 principle applies to your money

written by Tim | Budgeting, Career & Work

You’ve probably heard of “the 80/20 rule.” The technical term for this common phrase is called the Pareto principle, named after . . . you guessed it, a man named Pareto . . . .

10 Places You Can Get a Free Bible

written by Tim | Saving Money

Bible verses about giving

If you want a Bible, you can get a copy for free! Here are 10 places that you can find a free Bible.

Should Churches Show the Offering in Weekly Bulletins?

written by Tim | Saving Money

church bulletin

There was one thing that always caught my attention — the offering amount section in the church bulletin. Maybe it was because I was always interested in finances, who knows?

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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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