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The Blog

7 Tips To Ask Your Boss for a Pay Raise

written by Joe | Career & Work

Corporate building

A few years ago I was working at a job which I loved, but which paid less than what I considered the market rate for my experience and expertise. I therefore decided to ask my boss for a raise…

Looking For Job Sites To Find A Job?

written by Bob Lotich, CEPF® | Career & Work

11 job sites to help you find your next job... https://seedtime.com/looking-for-job-sites-to-find-a-job/

Thanks to the internet, job-seekers don’t have to just rely on the newspaper ads (which don’t work very well anyway) to find a job. There are thousand of job sites available that can help you in your job search…

How to Give God’s Way

written by Joe | Biblical Personal Finance

Giving Hands

Some people love this season of giving; some endure it and others just wish it would go away. Whichever camp you fall in, I believe that giving God’s way will bump up the quality of your holidays…

Should You Use Retirement Savings For Your Kid’s College?

written by Tim | Managing Money

should you use retirement savings for your kid's college

Saving for your child’s college tuition can be a difficult task, especially in today’s economy. According to a study by Sallie Mae, 60% American families save regularly for their child’s college tuition. A surprising 24% of parents who save, however, admit to using their retirement savings to cover tuition for their children…

How to Save Hundreds of Dollars By Taking a Day Off Work

written by Craig Ford | Managing Money

how to save hundreds of dollars by taking a day off work

Do you have a to do list that includes items you should have accomplished a year ago?  If you do, you are what I call normal. The January 2010 issue of the Sound Mind Investing Newsletter discussed something called a “fiscal health day” (a term they borrowed from a Ron Lieber article in the New […]

Words of Encouragement For Tough Times:

written by Joe | Career & Work

Winston Churchill

As America experiences foreclosures galore, coupled with extended periods of high unemployment and ever increasing bankruptcies, our individual and corporate challenge is this: “How do you handle tough times?” The above quiz is only a snippet of how, throughout history, trials have catapulted people into greatness…

6 Retirement Planning Tips For Middle-Aged Procrastinators

written by Joe | Managing Money

retirement planning tips

My 56 year old friend Colin (fictitious name), recently told me that he plans to retire at age 65 and then kick back and do what he wants. His retirement will include traveling when and where he (and his wife) choose, driving his vehicle of choice and pretty much living the good life…

Success Story: Tithing and Paying Off A House In 5 Years

written by Guest | Biblical Personal Finance, Debt Help

tithing and paying off a mortgage early

In 2005 I began tithing regularly. I got introduced to the concept that all things belong to God and I am merely a steward. At the time I had been renting an apartment for two years and finally I decided to get a place to my own. I turned 30 that year and somehow my life’s priorities were changing both in the material and spiritual sense…

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Primary Sidebar

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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