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The Blog

Why You Should Beware of Percentage Budgets

written by Joe | Managing Money

Budgeting by Percentage

You have seen those percentage budget plans which deftly tell you what percentage of your budget you should spend on which categories. Yes, they are a good guide, but you need to beware that giving too much credence to those percentages could get you in trouble. For example . . . .

What is Gross vs. Net Income?

written by Cherie | Budgeting, Career & Work, Managing Money

Quickly, how would you would answer this question: "What's your income?" Did you think about the amount of your payday deposit? Did you think about the amount on your income tax return for the year? One is your net income and the other is your gross income. Everyone should understand the difference between gross and net income and why both numbers are important in your financial life.

Quickly, how would you would answer this question: “What’s your income?” Everyone should understand the difference between gross and net income and why both numbers are important in your financial life.

How to Calculate Your Real Hourly Wage

written by Cherie | Career & Work, Entrepreneurship

Wages

Have you ever calculated your real hourly wage? You might be surprised! Once you find it out, you can use that information to make some adjustments in your personal and financial life that will result in real change.

How to Get Health Insurance With No Job

written by Joe | Managing Money

Health Insurance Provider

Admittedly, getting health insurance with no job is a stretch. Why? Because no job implies no income, and health insurance companies aren’t in the business of giving away free coverage. However, there are instances when jobless people can get free or very inexpensive coverage. Also, alternatives to “normal” health insurance can sometimes save big time on “normal” premiums. Let’s explore some of these options.

A New Baby Checklist – What You’ll Need!

written by Kevin Mercadante | Saving Money

Are you welcoming a new baby to your family? If you are, there are a few things you’re going to need, and it’s best that you get as many of them before the baby arrives as you can. Life happens very quickly when a baby comes along, and advanced preparation is truly a virtue. To make it a bit easier to keep track of what you need, we’ve assembled a list of the general categories of baby related needs, and a more detailed list within each category.

Are you welcoming a new baby to your family? If you are, there are a few things you’re going to need, and it’s best that you get as many of them before the baby arrives as you can. Life happens very quickly when a baby comes along, and advanced preparation is truly a virtue.

What Does the Bible Say About Worrying About Money?

written by Joe | Biblical Personal Finance

what does the bible say about worrying about money

Should you be worrying about money? And does the Bible give practical tips for overcoming worry? Worry has many affects on your health and situation, so how do you get rid of it? In this post, I won’t claim to give the totality of Biblical counsel on this topic, but I do promise that the following passages will help.

What Are the Average Community College Tuition Costs? (It Might Shock You)

written by Aaron | Saving Money

What are the Average Community College Costs per Year

A few months ago, my 17-year old son was accepted into a fairly rigorous technical college that focuses on mechanics. I was happy for him, but at the same time, knew the tuition to attend the school would not be cheap. When the recruiter tallied up the costs associated with going to through the program — my wife and I were a bit shocked.

Stewardship in the Bible

written by Bob Lotich, CEPF® | Biblical Personal Finance

stewardship in the bible

What is stewardship and how should it affect what we do with our money, time, resources, etc.? What does it really mean to be a “good steward”?

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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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