• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

  • About
    • About us
    • Why SeedTime?
    • Our Beliefs
    • The Story of SeedTime
  • Podcast
  • Free Book
    • Get your 1st copy free (+S&H)
    • Order multiple copies here
  • Programs
    • Login
    • Mission-Driven Millionaire
    • True Financial Freedom
    • The Real Money Method (unbudgeting) course
    • The 10x Investing course
  • Churches
  • Blog
    • The 14 Financial Tools We Actually Use
    • Our strategy for giving away millions
    • 5 Bible Verses You Should Know (Free PDF)
    • 25 Ways to Save Money
    • Why we began giving our age as a percentage
    • My Checklist To Financial Freedom (Free PDF)
    • Tithing: an honest look and what we do
    • Why I took a Sabbatical YEAR (and how I did it)
    • How to travel for FREE [161 hotel nights and 103 flights all free]
    • 4 Financial Lessons from Solomon: The Richest Man Ever
    • How to become a millionaire by turning $2k into $1 mil
    • How to get out of credit card debt (Free PDF)
    • How I made $2,145 Last Month by decluttering
    • How I Broke Free From the Rat Race (in less than 2 years)
    • We just checked off the biggest goal in our life
    • Our Honest Medi-Share Review after 14 years
    • 4 Money Habits To Start (that basically guarantee financial success)
  • Email

Managing Money

Whats the best personal finance software?

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

what is the best personal finance software

These are about 15 of the best personal finance software options… Which is your favorite?

The best place to save money

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

Where is the best place to open a savings account? I often get asked where the best place to save money is. I think it depends a little bit on your goals, but for now the simple answer is ING Direct. If you are stocking away a quarter million dollars in your savings account, I wouldn’t recommend them since they do not have the highest interest rates.

Budgeting Software: 13 Great Free Budget Software Tools

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

Here are 13 free options if you are looking for free budgeting software. If you need to get your budget going, click on over to get started!!

Over 15 free budgeting tools… Some of these budgeting tools are online applications, some are downloadable software, some are for Windows, some are for Mac and Linux, some of them may have lots of bells and whistles, and some may be overly simplified. I suggest you dig through and see if what works for your budget. Every person is different, therefore every budget will be different. It may take some time to find what fits you best, but it is out there and if it isn’t create it and let me know about it!

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.

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.

Primerica Review: the good and bad

written by Bob Lotich, CEPF® | Career & Work, Managing Money, Saving Money

I have been to quite a few multi-level marketing recruiting meetings over the years. I consider myself to be an open-minded person, so I don't mind meeting with the recruiters and really learning what the company is all about. It helps that I don't have much desire to follow the crowd and don't have a problem saying no or leaving when I realize it is not what I was interested in. I met with someone from Primerica a few months back, and just got a call from a different recruiter a few days ago. Since they seem to be growing, I figured I would share my thoughts and see what everyone else thinks.

Is Primerica a legit company? Here are the pros and cons of Primerica from my perspective… I have been to quite a few multi-level marketing recruiting meetings over the years and I don’t mind meeting with the recruiters and really learning what the company is all about.

Budgeting is like baking cookies

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

budgeting is like baking cookies

For some reason the word “budget” has an interesting effect on most people causing them to cringe in pain more than the thought of going to the dentist. It really shouldn’t be as painful as people make it seem. If done correctly, it should give you MORE freedom to get what you want. If you think of a budget as a plan “that takes away all the fun” or eliminates your ability to get things you want, then you are doing it wrong.

  • « Go to Previous Page
  • Go to page 1
  • Interim pages omitted …
  • Go to page 15
  • Go to page 16
  • Go to page 17
  • Go to page 18
  • Go to Next Page »

Primary Sidebar

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.

Footer



SeedTime is a 2x Plutus award winning website.
seedtime money logo



SeedTime BBB Business Review
seedtime instagram seedtime money youtube channel seedtime money twitter with Bob Lotich


Our book Simple Money, Rich Life was named 2022 book of the year!
  • Home
  • About
  • Beliefs
  • Blog
  • Courses
  • Shop
  • For Churches
  • Press
  • Affiliates
  • Login

Privacy Policy | Terms | Reviews | Earnings Disclaimer | Contact | 636-344-0438
625 Bakers Bridge Ave Suite 105-134 Franklin, TN 37067
©2007-2025 · SeedTime (Formerly ChristianPF)