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Debt Help

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.

Dave Ramsey critics

written by Bob Lotich, CEPF® | Debt Help

dave ramsey critics

Dave Ramsey seems to attract quite a few critics these days. I have heard him being criticized for everything from being over-simplified to allowing people to use debit cards to buy his products.

Christians and Debt

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

what the bible says about christians and debt

Should a Christian be in Debt? The Bible makes it clear that being in debt is not God’s best for us. I haven’t found anything to indicate that it is a sin for a Christian to be in debt

How to budget with Capital One 360 (Formerly ING Direct)

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

Want to know how to budget? Well, ING Direct is my favorite budget tool. Here are the steps how I budget with ING Direct. You could probably use this same technique at other banks, but I will show you why it is more beneficial at ING Direct.

Expenses rise to meet income

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

expenses rise to meet income

Expenses rise to meet income. This is the gist of Parkinson’s law. This is the reason that a couple months after most people get a raise, it feels just as tight financially as it did before the raise.

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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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