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The Blog

15 DIY Projects to Increase Your Home Value

written by Dawn | Making Money

Your home can serve as a great investment. Not only can a home serve as a place to reside but you can actually make a return on your investment. But, the trick is… how can you make a return on your investment without breaking the bank? Believe it or not, it can be done! With […]

5 Traditional and 5 Non-traditional Ways to Invest Your Money

written by Kevin Mercadante | Investing

traditional and non-traditional ways to invest your money

If you”re new to investing, you”re probably aware that there are literally dozens of asset classes you can invest your money in. To make it easier for you, we”ve selected 10 classes, and broken them down between traditional and nontraditional, with five assets in each category. 5 Traditional Ways to Invest Your Money If you”re […]

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.

30 Awesome Dorm Room Decor Ideas (Money Saving & DIY)

written by Dawn | Saving Money

Ways to save money

Although many college students are enjoying their Summers, July is a perfect time to start thinking about how you want to decorate your dorm room. There are a few topics that must be addressed when thinking about donning your dorm room. First, space is limited… so the little space that you have must be maximized! […]

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.

30 Everyday Products You Can Make Instead of Buying at Walmart

written by Dawn | Saving Money

Financial Tools

I am in need of Walmart rehab! Walmart has been my go-to source for my household and pantry needs. Not only do their superstores carry almost every product I need, but often times their prices can’t be beat. I got to thinking, there has to be a better way than repetitively purchasing chemical laden products! […]

Everything you need to know about the Wonderful ROTH IRA

written by Kevin Mercadante | Investing

Everything you need to know about the ROTH IRA...

There are literally dozens of ways to invest your money – and account types to invest them in – but one stands head and shoulders above the rest. The Roth IRA may very well be the single best investment vehicle available. While other retirement plans are tax deferred, Roth IRAs are tax free. Do we […]

Why You May Want to Invest WITHOUT a Financial Advisor

written by Kevin Mercadante | Investing

Why you may NOT want to hire a financial advisor

Many people are perfectly content to not know what’s going on in their investment portfolios. They’re happy to turn the job of investing over to someone else, like a financial advisor, so that they can tend to other things in their lives. And maybe there’s even some comfort in being able to blame someone else […]

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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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