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The Blog

9 Homemade Christmas Gifts That Might Actually Get Used

written by Bob Lotich, CEPF® | Saving Money

9 homemade christmas gifts that will actually get used

Let’s be honest, we have all received some homemade Christmas gifts that never saw the light of day again – sometimes they are well intentioned and so we might not care that our peppermint-scented ruler holder won’t get too much use. The thought and love behind it makes up for it’s lack of usefulness…

10 Ways to Keep your Cell Phone from Running Your Life

written by Guest | Saving Money

10 ways to keep your cell phone from running your life

For many of us, our smartphone is the greatest productivity tool we’ve ever owned. Apps like Todoist, Evernote, and Dropbox make it easier than ever to plan, stay organized, and keep track of our lives. At the same time, our cell phone can be one of our greatest enemies. An interruption from a cell phone […]

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 […]

30 Motivational quotes to make it an Awesome day!

written by Dawn | Saving Money

30 motivational quotes to make it an awesome day

We all need a little encouragement from time to time. And, if today is a day where you’re needing some motivation, you’ve come to the right place. Let us help you start your day off with an inspiring quote or two (or thirty)! Tackle that day, ignite those dreams and be the change you want […]

How Trump’s Tax Plan Will Affect You

written by Bob Lotich, CEPF® | Saving Money

Who knew that Trump's tax plan actually is going to same most people money on their income takes?

Whether you love Donald Trump or whether you are booking your flight to Canada, there’s no getting around that he has officially been voted into the Oval Office. I think everyone was surprised to see him win and that is okay, but now that he has I am curious to explore some of what lies […]

12 Inspiring Quotes that will help you through even the worst days

written by Jen | Saving Money

12 inspiring quotes that will help you through even the worst days

Having a bad day? Things will get better.  Know that you can make it and that you are not alone! If you are having tough days lately, we want to inspire you with these 12 quotes that will help you through the worst days.

20 Fun Alternative Ideas for Halloween

written by Dawn | Saving Money

pumpkins

Fall is one of my favorite seasons! I’m always looking forward to the leaves changing colors, the crispness in the air and everything pumpkin. With the arrival of Autumn… it seems as though many look forward to Halloween and focus on Halloween only. But, on the other hand there are many ways to avoid everything […]

25 Quotes that will change how you look at money

written by Dawn | Saving Money

Ways to save money

We live in a society where instant gratification is a state of mind, a way of life.  And, we have incredible debts as a result. Debts that weigh heavy on our shoulders. As I remember conversations I have had with my Grandma, I noticed my way of looking at money is very different than how […]

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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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