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Managing Money

How Long Does it Take to Get Your Tax Refund? (IRS Return Tips)

written by Bob Lotich, CEPF® | Managing Money

Have you done your taxes yet? Like many people, as soon as I finish, I like knowing when my refund check is going to be deposited.

4 Ways to Handle Money God’s Way

written by Jonathan | Biblical Personal Finance, Managing Money

4 Ways to Handle Money God's Way

Ever feel like your life is stuck in fast-forward? From the moment our feet hit the floor in the morning, it seems like we never let up on life’s gas pedal . . . .

Is Refinancing Your Mortgage Always a Good Idea?

written by Kevin Mercadante | Managing Money

Is refinancing your mortgage always a good idea?

The possibility of a lower monthly house payment would be welcome by any homeowner, but lower payments aren’t always what they seem. And what about those who are not in a position to refinance — are they out of luck?

3 Ways You Can Become Self-Financing

written by Kevin Mercadante | Managing Money

3 ways to become self-financing

Millions of people are on a debt treadmill. It starts the first time you swipe a credit card to cover a shortfall in your budget. Do that enough times, and before long you’re working to pay credit cards and other forms of debt.

Don’t file an insurance claim until you read this

written by Joe | Managing Money

Our daughter Jaime called to tell us, through angry tears, that she learned from her mortgage company that her homeowner’s insurance policy had been cancelled.

Do You Need a Living Trust, a Will, or Both?

written by Tim | Managing Money

Do you know what happens if you die without a will? "Some states have stuck to the traditional approach of giving a one-third share to the spouse, with the children dividing the rest. Others give spouses one-half. Mississippi gives an equal share to the surviving spouse and each child; if there are nine children, the spouse gets a measly one-tenth of the estate." Click to get started and make one today!

Many people don’t really enjoy thinking about their impending passing from this earth, which means that questions about wills, trusts, and estate distribution can be disconcerting. Still, it’s smart to consider what will happen to your estate and your sentimental belongings at your passing.

$500 a Month You Might Be Overlooking

written by Joe | Budgeting, Managing Money, Saving Money

An extra $500/m that you may be missing

Would an extra $500 a month help? Of course. And it is possible that you already have that $500; you simply need to corral it and use it.

How to Buy “Throw Away” Cars

written by Adam Faughn | Budgeting, Managing Money

How to buy "throw away" cars that look nothing like this beautiful convertible ;)

Some people do not want to drive older cars (especially when they are not nice looking), but I am content to do so, especially while we are working so hard on building a financial foundation. If you want to look for a “throw away” car, here are some things to keep in mind.

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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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