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Saving Money

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. 🙂

Tithing: Money back guarantee?

written by Bob Lotich, CEPF® | Saving Money

In it you find that this unconventional church puts their money where their mouth is — or more appropriately — God’s mouth 😉 . They challenge the congregation to tithe for three months and if at the end of the 3 months the participants are not convinced of God’s faithfulness, they can get a full refund of every dollar they have given, no questions asked.

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!!

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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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