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The Blog

10 tips for a better budget

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

tips for a better budget

Make a better budget! These are my ten tips to build and keep a better budget.

Quit spending (Part 4)

written by Bob Lotich, CEPF® | Saving Money

Getting out of debt part 4…Getting out of debt, creating wealth, living financially free, retiring with cash in hand can all be achieved by following one simple rule: Spend less money than you make.

Open your mind (Part 2)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help

Getting out of Debt Part 2…I have found that when I am challenged by something, I either open my mind to the possibility of it or I don’t. If I do open my mind to it, then I have to count the cost to decide if I want to do it. If so, the last and often easiest step is to just do it.

How to Get Out Of Debt
(Part 1 of 7)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help, Managing Money

How to get out of debt

Getting out of debt Part 1… If you are like most Christians I have met, you want to be able to give more. You have a good heart and wish you could give more. You really want to be able to bless people and give more to your church. But again, if you are like most that I have met, you are thinking, “it is hard enough just to pay the bills each month, let alone give to others the way I would like to.”

Getting out of Debt (Series)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help, Managing Money

Are you looking for help getting out of debt? …Over the last 2 years while working to get out of debt, we have paid off nearly $30,000 in consumer debts from some mistakes that we made in the past.

Bankruptcy & The Bible

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help

bankruptcy and the bible

What does the Bible say about bankruptcy? Here is the truth about what the Bible says about bankruptcy.

Cash Crate Review – Legit or Scam?

written by Bob Lotich, CEPF® | Making Money

The sign up is simple enough. It only takes about 30 seconds and once you complete that, they take you to the below screen. Here you select which offers you would like to complete. You click the offer on the left and once you complete the offer, then you click the submit button. Cash Crate then verifies that you completed it and then adds the funds to your account.

Stress-free productivity: GTD review

written by Bob Lotich, CEPF® | Productivity

t is basically about improving your time management skills and as the title implies, getting things done more efficiently to live a less stressful life. I have read a couple similar books, Seven Habits of Highly Effective People, Zen to Done and a few other generic time-management type books.

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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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