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Saving Money

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…

No money for Christmas?

written by Bob Lotich, CEPF® | Saving Money

Do you not have any money for Christmas this year? After some of the financial challenges of this year it seems like there going to be more people who don’t have much cash for Christmas gifts this year. If you are in a tight spot this year and want to have a debt-free Christmas, then we need to get a little creative.

6 tips for a debt free Christmas

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

Why after every Christmas are most people looking at huge credit card bills wondering, “Where did all that money go?” It is no different than any other area of our lives, if we don’t have a leash on it – it will be out of our control. Think of your money like your neighbor’s dog

The best place to save money

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

Where is the best place to open a savings account? I often get asked where the best place to save money is. I think it depends a little bit on your goals, but for now the simple answer is ING Direct. If you are stocking away a quarter million dollars in your savings account, I wouldn’t recommend them since they do not have the highest interest rates.

Should I pull my money out of the bank?

written by Bob Lotich, CEPF® | Saving Money

Should you pull your money out your bank? Well, this is my opinion on the whole financial crisis in the U.S. and how it will affect our money.

8 reasons Rubbing Alcohol is my money-saving hero!

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

8 awesome uses for rubbing alcohol that will save you money

You know they say you can’t be all things to everyone. Rubbing Alcohol apparently disagrees. After doing a little investigating, I discovered a bunch of uses for it that I never knew about before. The beautiful thing is that you can get rubbing alcohol (isopropyl alcohol) just about anywhere for less than a buck a bottle. It is for these 8 reasons that Rubbing Alcohol is my hero!!

Budgeting Software: 13 Great Free Budget Software Tools

written by Bob Lotich, CEPF® | Budgeting, Managing Money, Saving Money

Here are 13 free options if you are looking for free budgeting software. If you need to get your budget going, click on over to get started!!

Over 15 free budgeting tools… Some of these budgeting tools are online applications, some are downloadable software, some are for Windows, some are for Mac and Linux, some of them may have lots of bells and whistles, and some may be overly simplified. I suggest you dig through and see if what works for your budget. Every person is different, therefore every budget will be different. It may take some time to find what fits you best, but it is out there and if it isn’t create it and let me know about it!

5 ways reading CPF can put cash in your pocket!

written by Bob Lotich, CEPF® | Saving Money

1) Earn some real interest on your savings. If you are still sitting using a “traditional” savings account that is paying you 0.5% on your savings, you are leaving a lot of cash on the table. For every $3,000 in savings, you could easily be earning an extra $100 a year in interest. I like […]

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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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