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Budgeting

Mint.com is shutting down… my 2 favorite Mint Alternatives

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

So, Mint.com (probably the most popular financial app out there) is closing its doors at the end of the year. While it was originally designed to track your spending, many users began to use it as a budgeting app as well. I never really found it to be very effective at budgeting because there isn’t […]

Budgeting: 5 limiting beliefs

written by Bob Lotich, CEPF® | Budgeting

Limiting beliefs are powerful. They can keep us from taking action, even when deep down we know our situation needs to change. We can read all the books, listen to all the podcasts, and follow all the brand-name advice – but still be in bondage financially because of beliefs rooted in our hearts. These beliefs […]

Hiding purchases from your spouse? [Read this]

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

how to stop hiding purchases from your spouse

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Are you hiding purchases from your spouse? Or, is this something your spouse may be doing? Have you seen those memes where they are hiding the FedEx deliveries? The FedEx guy shows up and you are […]

How This Couple Paid Off $52k In 7 Months

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

How This Couple Paid Off 52k In 7 Months

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) Today Linda and I are talking with some friends of ours (Chris and Andrea Petrie), whom we met last October, and they have a really cool story that we want to share with you. They paid off […]

We just checked off the biggest goal in our life…

written by Bob Lotich, CEPF® | Budgeting

I’d prefer to not share this publicly. You’ll understand why in a minute. But I find myself compelled to share it for two reasons: I want to brag on God and remind you that He is still doing miracles. I want to share the biggest practical step that helped us get there.  God’s dreams often […]

You’re Budgeting WRONG If You Do Any Of These 5 Things

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

You're Budgeting WRONG If You Do Any Of These 5 Things

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) For most people, budgeting is a scary word. If you feel that way about budgeting, you might be doing one of these five things wrong (or maybe all of them). When you’re doing any one of […]

How To Stick To A Budget (+10 Budgeting Tips)

written by Bob Lotich, CEPF® | Budgeting

How to sick to a budget 10 budgeting tips and tricks

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) All right. Today, we’re talking about 10 incredibly useful hacks to stick with your budgets. And, I’m really excited to share them with you. We have really honed in on what it takes to have a budget […]

7 Struggles Only People Married To SPENDERS Will Understand

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

7 struggles only people married to SPENDERS will understand

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) Today we are talking about seven struggles that only people married to spenders will understand. And in our marriage, I (Bob) am the saver in our house. Linda is the spender in our house (and she’ll be […]

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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

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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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