• 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

How to be good with money [start by never buying these 7 things]

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

are you good with money?

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) We found an interesting list: “Seven things that people who are good with money NEVER buy.” So this is not our list, but we wanted to share it with you. We loved going through it and […]

How to handle money with record-breaking inflation

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

(The following is an abbreviated transcription from a podcast Linda and I recorded. Please excuse any typos or errors.) Today we’re talking about the four steps that we’re taking with this crazy record-breaking inflation we are experiencing right now. According to CNBC, I read this article and they just came out with the newest inflation […]

How to make giving fun (and easier)

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

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) So, this weekend we were asked to give the offering message at our church. And we were praying about what to talk about since Linda and I were giving the offering message together. Ultimately, we decided […]

Should I only have cash because end times are near?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Investing, Managing Money

Cash only or Invest to prepare in uncertain times

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) I received a question from a member of our SeedTime community that I wanted to share. The gist of it is this, should I just have everything in cash because the world is going to come […]

Why I am not ANTI credit cards

written by Bob Lotich, CEPF® | Managing Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) Everybody knows that Dave Ramsey hates credit cards. And it’s funny, because people just assume that I feel the same way. However, we don’t share the same credit card philosophy. I’m not ANTI credit cards, just […]

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.

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 […]

I opened 34 credit cards to see which was best. This is what I found…

written by Bob Lotich, CEPF® | Managing Money

The Chase Sapphire Preferred® Card has been around for over a decade and is consistently listed as a top pick for a credit card that gives fantastic rewards. I have personally used it for over 8 years now and it has been the primary card I used to get over 100 hotel nights and 100 […]

  • « Go to Previous Page
  • Go to page 1
  • Go to page 2
  • Go to page 3
  • Go to page 4
  • Go to page 5
  • Interim pages omitted …
  • 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)