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Simplify

I Remember

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

I Remember...

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card. I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes…

4 Ways to Watch Sports without Cable

written by Lynnae | Saving Money, Simplify

4 ways to watch sports without cable

I’ve been trying to cut the cable cord for years. If it were up to me, I’d be satisfied with Netflix and Amazon Prime. But I’m married, and I have kids. And my husband and son are both sports fanatics. A few years ago, we cut out cable as an experiment for one year. After […]

How to Survive a Financial Crisis: 12 Tips For Married Couples

written by Craig Ford | Debt Help, Managing Money, Simplify

How to survive a financial crisis: 12 tips for married couples

Job loss.  A lay off.  Fraud. Getting fired. Robbery.  Legal Issues. Credit card debt.  In a moment, any of these instantaneous events can shatter your financial plan. At times these events do not come alone, but they come in groups – event after event. Unfortunately, life is filled with disappointment, frustration, and surprise.  So what […]

What To Do When You Hate Your Job (4 Keys To A Brighter Future)

written by Bob Lotich, CEPF® | Career & Work, Simplify

These are 4 important things to do when you hate your job…

How to overcome the fear of failure

written by Bob Lotich, CEPF® | Simplify

How to overcome the fear of failure

No one likes to fail, but often it is a critical component to our success. These are a few of the things I did to overcome my fear of failure

20 Amazing Hacks that will make Your Life Easier and Save You Money

written by Dawn | Saving Money, Simplify

20 Amazing Hacks that will make your life easier ands save you money

Life is so stressful and I’m always looking for ways to minimize the stress in my life. One of the ways stress can be reduced is to simply make life easier. But, how? We would all love to find ways to make our life easier, right? What if I said that there are some AMAZING “life […]

Free Spreadsheet To Get Your Financial Life On One Page

written by Bob Lotich, CEPF® | Managing Money, Productivity, Simplify

Getting Control of your money by using a F.L.O.P., getting your Financial Life on One Page!

Being impacted by my uncle’s premature death and wanting to do everything I can do to help my wife, I decided to create a system for keeping things organized. It has been a work in progress over the last few years, but has evolved into a very helpful tool…

9 Creative Ways to Say Thank You

written by Bob Lotich, CEPF® | Simplify

These are my favorite creative ways to say thank you… A lot of respect can be earned or lost by our ability to say thanks. It may not be the way it should be, but some people really take offense if they don’t receive a thank you card within 30 days of sending a wedding gift. And have you ever held the door for someone who didn’t even acknowledge your presence, much less say, “thanks”?

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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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