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Saving Money

16 Ways to Protect Yourself from Online Fraud and Identity Theft

written by Rich Avery | Saving Money

While no one can totally prevent it, there are many things you can do to protect yourself from online fraud and identity theft. Check out these 16 simple things you can do today to minimize your chances of becoming a victim -

While no one can totally prevent it, there are many things you can do to protect yourself from online fraud and identity theft.

30+ Kitchen Organization Tips

written by Dawn | Saving Money

30 kitchen organization tips

This article is a great compilation of the best ways to get the best use out of your kitchen.  Below are a few of my favorite kitchen organizing accessories – all can be found on Amazon for less than $50! Cabinet Organizers Your cabinets will hold more when you use shelves, dinner plate organizers, pan […]

20 Ways to Organize Your Car

written by Dawn | Saving Money

There are so many tips and tricks to help keep your car organized – check out a few of my favorite car organizing accessories!  You can find them all on Amazon for under $25! Backseat/Trunk Organizer From Amazon.com Car Organizer From Amazon.com Travel Trashcan From Amazon.com Backseat Kids Toy Organizer From Amazon.com All moms know […]

How to Buy a House on the Courthouse Steps

written by Kevin Mercadante | Saving Money

How to buy a house on the courthouse steps

An old-fashioned term for the process of buying a property in foreclosure, buying a house on the courthouse steps is a way to get a real deal on a house — or to get into real trouble.

30 Awesome Dorm Room Decor Ideas (Money Saving & DIY)

written by Dawn | Saving Money

Ways to save money

Although many college students are enjoying their Summers, July is a perfect time to start thinking about how you want to decorate your dorm room. There are a few topics that must be addressed when thinking about donning your dorm room. First, space is limited… so the little space that you have must be maximized! […]

30 Everyday Products You Can Make Instead of Buying at Walmart

written by Dawn | Saving Money

Financial Tools

I am in need of Walmart rehab! Walmart has been my go-to source for my household and pantry needs. Not only do their superstores carry almost every product I need, but often times their prices can’t be beat. I got to thinking, there has to be a better way than repetitively purchasing chemical laden products! […]

26 Fun and Clever Money Gift Ideas And Ways To Give Cash

written by Dawn | Saving Money

26 unique ideas to give cash as a gift

When it comes time to gifting those in my life, sometimes it can be a bit of a challenge. Have you experienced this issue too? We all have that person in our lives that is hard to buy for. Or, the teen who only wants a pricey gadget. Or, that relative that has “everything.” Plus […]

30 DIY Gifts That Will Actually Get used!

written by Dawn | Saving Money

30 #DIY gifts that will actually get used

It is said in The Bible, “It is more blessed to give than to receive” (Acts 20:35). I take this to heart. It doesn’t mean that I go broke spoiling everyone around me. But, I give when appropriate. And many times I gift just because. Last year I loved implementing a new tradition. My husband […]

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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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