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Saving Money

30 Cheap DIY Christmas Decorations

written by Dawn | Saving Money

Pin this Christmas Star to your Craft Board

One of my goals this Christmas is to have a handmade Christmas! Have you ever had a handmade Christmas?  Do you make something handmade every Christmas? To me, it is just so special to display items you have made yourself. Plus, by making your own decor, finished products tend to be of better quality and easier on […]

34 Things You Didn’t Know About Me

written by Bob Lotich, CEPF® | Saving Money

If you would like a little peek into my world, here are 34 things that you probably didn't know about me.

Well, I had a buddy put up a post like this and I liked it so much I thought I needed to do it as well. If you have been a long-time reader you may know some of these things, but surely not all. I am 34 years old and these are 34 random things […]

22 Ways I Use Evernote To Get Control Of My Money and Grow In My Faith

written by Guest | Saving Money

22 ways I use Evernote to get control of my money and grow in my faith

Note from Bob: Today’s post comes from my friend and Evernote wiz – Andy Traub. It’s overwhelming trying to keep track of the massive amounts of information you are forced to deal with every day. You get email, paper receipts, bank statements and make on-line purchases. You take notes at work or in church but […]

ChristianPF is now SeedTime

written by Bob Lotich, CEPF® | Saving Money

christianpf-is-now-seedtime

So why are we rebranding ChristianPF as SeedTime? There are really a lot of factors in this decision, but I will try to give you the gist of it. The short story is that I started ChristianPF in 2007 as my little blog to share my ideas about managing money and I had high hopes […]

Best Financial Books for under $1

written by Bob Lotich, CEPF® | Saving Money

The best financial books that you can get for under a $1

In the case of this article, I picked out five of the best personal finance books out there that you can get for less than a buck. I wouldn’t say that these are necessarily the five best financial books written, but they are all very popular and have proved themselves to be worth something – even if it is only a buck! 😉

How To Negotiate With Credit Card Companies (And Stop Wasting Money)

written by Bob Lotich, CEPF® | Debt Help, Saving Money

how to negotiate credit card rates

A few years ago, when I had over $15,000 of credit card debt, I was often negotiating with credit card companies to get better interest rates. I took a very active approach toward minimizing my interest expense on my debt and learning to negotiate with credit card companies was a key component…

15 Creative Ways to Decorate Your Home for Free

written by Dawn | Saving Money

15 Creative Ways you can decorate your home for free

I love to decorate my home. For me it is like having sprinkles on my cupcake. I even like changing things up a bit from time to time. Especially for all the Holidays and with each new Season. Decorations just set my mood and a tone for our home. Do you like to DIY decorate? […]

The one thing I would teach a recent college Grad

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

The one thing I would teach a recent college grad

You just finished your degree and you are probably looking for your first “real” job. This is the perfect opportunity to decide how you would like your financial life to be. You have the choice to spend and buy whatever you feel like which will likely put you in heaps of debt.

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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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