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Simplify

Why You Should be Happy With What You Have

written by Joe | Biblical Personal Finance, Simplify

why you should be happy with what you have

What do you need to make you happy? A nicer car? A better paying job? A bigger house? The newest cell phone? Now let me ask another question: do you truly believe that these things will give you long term happiness? My guess is that life has taught you that whatever mood boost you might receive won’t last. It never does. The moment you get the latest and greatest, the euphoria dissipates and you begin longing for something else. Am I right?

A Big Money/Life Lesson from Wal-Mart’s Sam Walton

written by Jason Topp CFP®, CRPC® | Simplify

money lesson from walmart's sam walton

Recently I came across an article about Sam Walton, the founder of Wal-Mart. It was a very interesting read and I found some things I never knew. After doing a little further digging about Wal-Mart I found an article quoting George Will, who had this to say about the company…

Cash Envelope Budgeting

written by Jason Price | Budgeting, Managing Money, Saving Money, Simplify

cash envelope budgeting

In case you don’t know or need a refresher, cash envelope budgeting involves using envelopes to manage money. An envelope is created for each of your budget categories such as food, clothes, entertainment, transportation, etc. After you receive a paycheck you fund each individual envelope (or budget category) the cash allotted to it for the month…

The 10 most common new year’s resolutions – is yours on here?

written by Bob Lotich, CEPF® | Debt Help, Productivity, Simplify

10 most common new years resolutions

I did some researching to find out the 10 most common new year resolutions – these are them! I am not much of a supporter of new year resolutions, I don’t like waiting around for a specific date to make positive life changes. That said, I guess some people don’t really think about making positive life changes until the new year rolls around…

Being owed money & striving to pass the test

written by Bob Lotich, CEPF® | Biblical Personal Finance, Simplify

being owed money and striving to pass the test

I once heard someone say, “challenges are just wonderfully disguised opportunities for growth.” I really do believe it to be true. Just like a strong physical body requires exercises that push it beyond what is comfortable, so a strong character requires challenges that aren’t comfortable. My newest challenge is that an advertiser owes me a […]

Is asking for a discount appropriate?

written by Bob Lotich, CEPF® | Simplify

I was hanging out with some of my family this weekend and an interesting & frustrating discussion came up about the appropriateness of asking for a discount from fellow Christians. The discussion started because of this story: A hard-working painter (Joe) we all knew from church went over to give an estimate to another church-member […]

Free and Legal TV and Movies online

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

I was going to name it something like “where to find free TV and Movies online,” but changed it to make sure I added “legal” in there. It turns out that a whole lot of what I was finding wasn’t legal. I saw a link on one site to “Marley and Me” and I thought to myself, “isn’t that still in the theaters?” Sure enough I was right, as the video started, I noticed that I could actually see the theater seats in the recording. I guess someone recorded it directly from the theater – I am going to assume that isn’t legal. 🙂

Free Franklin Planner templates

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

If you are like me and a little bit taken back by the high price of replacing the pages in your Franklin planner, I just found a great alternative.

If you are like me and a little bit taken back by the high price of replacing the pages in your Franklin planner, I just found a great alternative. It does require a little bit of an upfront investment and some elbow grease, but it should pay for itself very quickly. ..What you need to create your own planner pages… Paper – probably a thin stock, to keep your planner from becoming too bulky…

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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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