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Debt Help

The credit score is a scam — and It’s Keeping You in Financial Bondage

written by Bob Lotich, CEPF® | Debt Help

Ok, so if you can’t tell from that title, this is going to be an article where I am not pulling any punches and sharing an uncommon opinion. But stay with me because I believe this is a huge mindset change that we as Christians need to understand. So starting with the truth I wish […]

Is Paying Off Your Mortgage Early Possible? Here’s How We Did It In 3 Years

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

How We Paid Off Our Mortgage in 3 Years: 5 Unconventional Steps We Took I know it feels nearly impossible to even buy a house these days, let alone dream about paying it off early. But even if you barely scraped together enough for that down payment, I don’t want you to fall for the […]

Debt-Free Living by Larry Burkett – Book Review

written by Randy Petrick, ChFC & SeedTime | Book Summaries, Debt Help

Debt-Free Living by Larry Burkett

Explore essential insights from Larry Burkett’s Debt-Free Living in this detailed review. Uncover key lessons for achieving financial freedom.

A Biblical formula for paying off debt miraculously fast

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

Today we discuss a biblical formula for paying off debt miraculously fast. While the idea of a biblical formula may seem odd, we explore a passage from 2 Kings 4 that reveals the key to unlocking supernatural financial miracles. Throughout this article, you will be inspired by real-life examples of ordinary people turning their seemingly […]

How to use a no-spend challenge to pay off debt and save (with Frugal Friends)

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

Start a No-Spend Challenge

(The following is an abbreviated transcription from a podcast Linda and I recorded with Frugal Friends Jen Smith and Jill Siriani. Please excuse any typos or errors.) Today we are chatting with Jen Smith and Jill Siriani (hosts of The Frugal Friends podcast). Jen is the author of a best-selling book on Amazon called The […]

Why Money Doesn’t Solve Most Money Problems

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

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

My Checklist To Financial Freedom (PDF)

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

my checklist to financial freedom

I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on.

Getting out of debt success story: How they paid off over $229K in debt

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

(The following is an abbreviated transcription from a video Linda & I recorded with Mel & Murph Stewart. Please excuse any typos or errors.) Mel and Murph Stewart (of FitNFunds) have an amazing debt payoff success story. Linda and I were so blown away by their accomplishment that we had to share their feat as […]

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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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