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Saving Money

20 Fun Alternative Ideas for Halloween

written by Dawn | Saving Money

pumpkins

Fall is one of my favorite seasons! I’m always looking forward to the leaves changing colors, the crispness in the air and everything pumpkin. With the arrival of Autumn… it seems as though many look forward to Halloween and focus on Halloween only. But, on the other hand there are many ways to avoid everything […]

25 Quotes that will change how you look at money

written by Dawn | Saving Money

Ways to save money

We live in a society where instant gratification is a state of mind, a way of life.  And, we have incredible debts as a result. Debts that weigh heavy on our shoulders. As I remember conversations I have had with my Grandma, I noticed my way of looking at money is very different than how […]

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 Decide who to Vote for (when you don’t like any of the options)

written by Bob Lotich, CEPF® | Saving Money

How to decide who to vote for in the presidential election

This is written for the millions of us REALLY struggling with this decision. I have worked painstakingly hard to create a non-partisan guide to help YOU decide who to vote for this year. I don’t feel right about pushing a political agenda with this site, but for those just dying to know the conclusions I […]

Why You Need Life Insurance and Why it Needs to be Term Insurance

written by Kevin Mercadante | Saving Money

It’s unfortunate that so many people don’t consider life insurance to be very important. They’re much more concerned with health insurance and auto insurance, since the need for such coverages is usually more immediate. Life insurance doesn’t seem important until it becomes necessary, and then it becomes critical! That’s because you can’t buy life insurance […]

7 Simple Rules To Stop Fighting About Money

written by Rich Avery | Saving Money

Want to finally stop fighting about money with your spouse? These are 7 simple rules that you can start applying to your life today that will end those fights about money!

Dissension in marriage is often caused by conflicting financial priorities. So if you want to experience greater harmony and unity in your marriage, you won’t go wrong by finding ways to create greater harmony and unity in your finances.

14 quotes to help you stay out of debt

written by Jen | Saving Money

Staying out of debt (and then getting out of debt) can be hard. There is always something tempting us to spend our money… even when we don’t have money to spend. We need to remind ourselves that it is ok to NOT buy every new thing that is advertised. We can live with less and still […]

12 Things You Can Learn That Will Make You Better at the Game of Life

written by Kevin Mercadante | Saving Money

These are 12 simple things that you can learn today to help you become better at the game of LIFE!

We go to school to learn hands-on skills that will enable us to be better at earning a living. But many of the skills that will make you a success in life have little or nothing to do with earning a living. They’re mostly about living your life, interacting with other people, and improving yourself. And sometimes they even help you earn a living. Here are several things you can learn how to do today that will make you better at the game of life.

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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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