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The Blog

No money for Christmas?

written by Bob Lotich, CEPF® | Saving Money

Do you not have any money for Christmas this year? After some of the financial challenges of this year it seems like there going to be more people who don’t have much cash for Christmas gifts this year. If you are in a tight spot this year and want to have a debt-free Christmas, then we need to get a little creative.

29 tips on getting out of debt from you!

written by Bob Lotich, CEPF® | Debt Help

Recently I wrote a post asking the readers for tips to help another fellow reader get out of debt. There were quite a few really good responses, so I figured I would formulate it into it’s own reader generated post! So here goes…

6 tips for a debt free Christmas

written by Bob Lotich, CEPF® | Budgeting, Debt Help, Saving Money

Why after every Christmas are most people looking at huge credit card bills wondering, “Where did all that money go?” It is no different than any other area of our lives, if we don’t have a leash on it – it will be out of our control. Think of your money like your neighbor’s dog

The parable of the ten foolish virgins

written by Bob Lotich, CEPF® | Biblical Personal Finance

the parable of the ten foolish virgins

Just like with all of the parables that Jesus used to teach valuable lessons, there is some wisdom to be gained from the parable of the 10 virgins. As with most things in life, some were wise, some were foolish, and both reaped what they sowed. I have posted the whole parable below as a refresher… The parable of the ten virgins… At that time the kingdom of heaven will be like ten virgins who took their lamps and went out to meet the bridegroom. Five of them were foolish and five were wise.

The best place to save money

written by Bob Lotich, CEPF® | Managing Money, Saving Money

Where is the best place to open a savings account? I often get asked where the best place to save money is. I think it depends a little bit on your goals, but for now the simple answer is ING Direct. If you are stocking away a quarter million dollars in your savings account, I wouldn’t recommend them since they do not have the highest interest rates.

The Biblical Prosperity debate

written by Bob Lotich, CEPF® | Biblical Personal Finance

I have read a few articles recently discussing biblical prosperity and I am just getting a little bit frustrated with the whole thing. On one side you have people who insist on being poor because they think that it is more righteous to do so and on the other I am finding some people so caught up in storing up treasures for themselves on earth, that they are missing God’s plan for their life.

Should I pull my money out of the bank?

written by Bob Lotich, CEPF® | Saving Money

Should you pull your money out your bank? Well, this is my opinion on the whole financial crisis in the U.S. and how it will affect our money.

Fit a camel through the eye of a needle? [Bible Verse meaning]

written by Bob Lotich, CEPF® | Biblical Personal Finance

Fitting through the eye of a needle

Ah, you know the verse. It’s the one that people love to quote when they are trying to prove that Christians should be poor because it appears to be more righteous. Well, is it really? “For it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God.” Let’s look at the definition of “rich,” and see who qualifies.

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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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