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The Blog

The Ultimate Guide to Building a Church Website For under $100

written by Bob Lotich, CEPF® | Saving Money

The ultimate guide to build a church website for under $100 and quickly! Step-by-step tutorials and instruction.

If you haven’t noticed by now, church websites have been popping up all over the internet. Some are good…some are not so good. Whether you have a church of 3,000 or 300, a website is a great tool for showing others about the church and connecting with new visitors. The best part is that a […]

5 Ways to Avoid an Overdraft (and Fees)

written by John Frainee | Managing Money

There’s nothing quite like the sinking feeling you get when you overdraft your checking account. You thought you had the money, but nope, you didn’t. And then, the threat of a ridiculously high overdraft fee looms overhead. What are you to do? Let’s explore some ways you can avoid an overdraft altogether (including the fees that accompany them).

Personal Capital Review

written by Craig Ford | Managing Money

personal capital review

Personal Capital is an online personal finance tool that allows you to track all of your finances (budget, bank accounts, credit cards, and investments) all in one place. Best of all, it’s free! Here are some benefits as well as what you should know before you sign up.

6 Simple Ways You Can Improve Your Credit Score

written by Kevin Mercadante | Debt Help

6 simple ways to improve your credit score

If your credit score has fallen recently, due to a missed payment or two, or perhaps you have too much credit outstanding, there are some simple ways you can improve on your credit score that will get it back on the right track. Doing a combination of several of these could see your credit score rise significantly in just the next few months — and that goes for your credit score at each credit repository.

Betterment: The simplest way to start investing today

written by Tim | Investing

the simplest way to start investing today

Investing can be a challenging part of money management. Whether you’re trying to learn the basics of stock investing, or invest in mutual funds, it can be confusing to understand important concepts of risk and return. Betterment is a personal investing account that aims to make investing and saving simple for people and they do a nice job of it.

Is the Dollar Going to Collapse?

written by Kevin Mercadante | Biblical Personal Finance, Managing Money

is the dollar going to collapse

An annual budget deficit of over $1 trillion, annual trade deficit in the neighborhood of $728 billion, an official national debt of $16.7 trillion, and unfunded liabilities of $123 trillion. How much longer can we continue to carry such enormous liabilities with such low income? Will the dollar collapse under the weight of so much debt?

Can You Get Cheaper Car Insurance Rates if You Drive Less?

written by Aaron | Saving Money

You are probably trying to save as much money as you can on various utilities, food and everyday goods. But are you overlooking your insurance policies? You can save money on those, too! Here’s how you can save money on your car insurance, for instance.

Can You Live on a Single Income?

written by Kevin Mercadante | Career & Work, Managing Money, Saving Money

can you live on a single income

If your household has always survived on at least two paychecks, the thought of living on a single income can be intimidating. It’s tough enough to live on two incomes — but one? It’s actually doable, but it can require a radical plan of action.

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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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