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The Blog

Should You Invest When You’re in Debt?

written by Bob Lotich, CEPF® | Saving Money

This question came from a reader the other day. He said: “I just watched your recent investing videos. What are your thoughts about investing while in debt? We’ve been going crazy paying off our debt, which has been great, but then I see other things that make me wonder if I’m missing out on some […]

A free savings goal calculator

written by Bob Lotich, CEPF® | Budgeting

link by prudential

I’ll be honest. I get contacted multiple times a day from various companies wanting to advertise on SeedTime or wanting us to promote “their thing”. And 99.9% of them get the delete button. Not all of them are bad (though many are), but I only work with advertisers that have products that I am actually […]

How we saved 75% off our vacation this year

written by Bob Lotich, CEPF® | Saving Money

vacation rentals

I wrote this article article a few years ago, but it has been updated for 2019. This February I took off for what we called a bit of a sabbatical rather than a vacation. But either way, it was great. We rented a condo on the beach and it was SO much cheaper than the […]

Raise Your Children to be Generous: 3 Important Tips

written by Joe | Biblical Personal Finance

Raise Your Children To Be Generous

On a Spring day in 1998, I reluctantly notified our mission chairman that I wouldn’t be able to make the Mexico Mission trip. My reason? I did not have the $500 deposit. However, that same day, my daughter called, “Dad, I know that you really, really want to take this trip, and it just so happens that I have an extra $500. I want you to use it for your deposit.”

Prayer for finances (Printable PDF)

written by Bob Lotich, CEPF® | Biblical Personal Finance

Prayer for finances and scriptures to pray for financial breakthrough - FREE printable PDF

At many times over the years I have found myself in a challenging financial position and found myself praying for finances. While much of what I write about on this site are practical tips to improve your finances, the truth is that when you need a financial breakthrough, there really is no better move than […]

4 Habits of Millionaires (Have Any of These?)

written by Craig Ford | Managing Money

habits of millionaires

The book The Millionaire Next Door analyzes the financial habits of millionaires. It shares the results from interviews and surveys with millionaires. The goal of the book is to give an accurate idea of what characteristics make a millionaire. I found four of those characteristics especially important . . . .

8 Practical Ways to Love God More Than Money

written by Joe | Saving Money

8 ways to love GOD more than money

I write this article as much to myself as to you: I fully realize how money will persistently and insidiously seek to capture a bigger and bigger portion of my heart and my life. I also know that drifting through life doesn’t work because I seldom drift closer to God.

Was Jesus a tightwad?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Budgeting

Was Jesus a tightwad?

It seems that many Americans think the defining indicator of financial security is your lack of concern for waste. You can see it all over our culture with movie stars spending $30,000 on a designer handbag to carry their dogs in, or in the rock-n-roll lifestyle where music videos clearly portray the idea that,”money is no object,” often times in a competition of who can have the most gold chains or throw the most cash in the air.

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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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