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Debt Help

How to earn $175/month with credit cards (Tax-Free!)

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

earn cashback with credit cards

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) We had a reader, one of our readers, one of our really smart readers reached out and sent me an email of how she generates $175 a month using her credit cards. She earns less than $500 […]

10 Money Tips For Graduates

written by Craig Ford | Biblical Personal Finance, Debt Help, Managing Money

10 money tips for graduates

I keep checking my mailbox to get an invitation to speak at a school graduation, but alas, the invitation never came. Therefore, I’m going to share 10 tips I wish I had when I graduated (high school and college). 1. When given the choice to learn from your own mistakes or the mistakes of others . . .

Free Debt Snowball Spreadsheet

written by Bob Lotich, CEPF® | Debt Help

free debt snowball worksheet and calculator

Creating a debt snowball is my preferred method of getting out of debt.  When Linda and I were paying off $46k of debt, we actually didn’t use a debt snowball spreadsheet or worksheet, but looking back I think it really could have helped us.  If you are wanting to pay off debt on your own, […]

How to Calculate Your Net Worth & Why You Should

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

While I think few would argue that paying off debts is a good thing, there is a better way to accurately see the big picture of your finances. It is called your NET WORTH. And no it is not just a number that rich people talk about at cocktail parties. It is what financially savvy people use to track their progress.

5 Student Loan Forgiveness Programs (for Nurses, Teachers, Military, and Others)

written by Bob Lotich, CEPF® | Debt Help

Lately, I have been talking to a lot of folks who are heavily burdened by their student loan debts – some of whom have over $100,000 in student loan debt. And while I believe, according to scripture, we are to pay back our debts, if they are forgiven by the lender then we are off […]

The Seesaw Principle

written by Bob Lotich, CEPF® | Debt Help

The seesaw principle

To get the most out of this lesson, I recommend watching the video here, but for the Cliffs-notes version you can just continue reading below… The one simple principle that changed my life forever And you probably have already heard it, just like I had for years. But it wasn’t until I finally “got it” […]

How to get out of credit card debt (on your own)

written by Bob Lotich, CEPF® | Debt Help, Popular

pay off a mountain of credit card debt

12 years ago, Linda and I confronted our debt and decided that we were going to pay off our credit card debt on our own (and fast if at all possible). We were determined to make the sacrifices necessary to eliminate it as quickly as possible. We had $46k in total debt (though not all […]

How Cars Affect your Financial Freedom

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

How your car dramatically affects your financial freedom...

I had a revelation about cars that has caused me to not really care what mine looks like. It’s not that I don’t want a really fast car, it is just that there is something I want a bit more: financial freedom.

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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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