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The Blog

8 Amazon Savings Hacks

written by Bob Lotich, CEPF® | Saving Money

amazon savings

My frequent Amazon purchases had me wondering, “How can I save money when shopping on Amazon?” So, I have put together my top 8 Amazon savings strategies that I have found to be quite useful in saving money. And, I know these hacks will save you some money too! If you would need any further […]

20 REAL Companies That Want To Hire You For Work From Home Jobs

written by John Frainee | Making Money

You don’t have to own a business to work from home. Although there are plenty legitimate home-based businesses you can start, existing companies will pay you to help them from the comfort of your own home. So get your home office set up, here are 20 real companies that will pay you to work in your slippers. Comfy!

Free Debt Snowball Spreadsheet

written by Bob Lotich, CEPF® | Debt Help

free debt snowball worksheet and calculator

Creating a debt snowball is my preferred method of getting out of debt.  When Linda and I were paying off $46k of debt, we actually didn’t use a debt snowball spreadsheet or worksheet, but looking back I think it really could have helped us.  If you are wanting to pay off debt on your own, […]

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.

70+ Budget Categories To Consider for your Budget

written by John Frainee | Budgeting

31 legit home-based biz ideas

In order to have an effective budget, you’re going to need some basic personal budget categories to start. Determining your budget categories isn’t always easy, especially if you’ve never made a budget before. Start your budget off right . . . here are some of the best budgeting categories to set you off on the right foot.

How to Calculate Your Net Worth & Why You Should

written by Bob Lotich, CEPF® | Debt Help, Managing Money

While I think few would argue that paying off debts is a good thing, there is a better way to accurately see the big picture of your finances. It is called your NET WORTH. And no it is not just a number that rich people talk about at cocktail parties. It is what financially savvy people use to track their progress.

31 Legitimate & Profitable Home Based Business Ideas

written by Bob Lotich, CEPF® | Making Money, Popular

31 legit home based business ideas for you to make some extra money with

If you are like many, the thought of starting a home-based business has probably crossed your mind at some point. With the economy being what it is, layoffs all around us, and an increasing desire for many to escape the rat race and work from home many are trying to start a home-based business…

7 Easy Money Moves You Can Make Today

written by Bob Lotich, CEPF® | Making Money, Saving Money

Today I want to lay out a few simple money moves you can make to improve your finances.  Each one is very different, but all will help you move forward financially. My encouragement to you would be to not just read the list and say to yourself “those are good ideas, I should do that,” […]

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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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