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Saving Money

Hiding purchases from your spouse? [Read this]

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

how to stop hiding purchases from your spouse

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Are you hiding purchases from your spouse? Or, is this something your spouse may be doing? Have you seen those memes where they are hiding the FedEx deliveries? The FedEx guy shows up and you are […]

Should Christians chase financial independence (FIRE)?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Making Money, Saving Money

(The following is an abbreviated transcription from a video Linda and I recorded. Please excuse any typos or errors.) Today we are talking about financial independence, retiring early, and whether or not this is what Christians should be chasing after. Have you heard of F.I.R.E. before?  In case you haven’t heard of this term, that’s […]

MediShare Cost Calculator (this is how to get it cheapest)

written by Bob Lotich, CEPF® | Saving Money

(The following is an abbreviated transcription from a video I recorded. Please excuse any typos or errors.) I remember when I first started looking at Medishare, I was clueless as to how much it would cost compared to traditional health insurance. It ended up costing us about 50% less than regular insurance, which was really […]

How to save $1000 (in 1-3 months)

written by Bob Lotich, CEPF® | Saving Money

save 1000 challenge

Maybe you had an emergency come up and you realize you need to save $1,000 this month. Or maybe you are wanting to save a $1,000 emergency fund as soon as possible. Or maybe your friends just invited you on a trip and need some cash to join them. Whatever your reason for wanting to […]

How to use credit cards responsibly (Our 3 simple rules)

written by Bob Lotich, CEPF® | Saving Money

How to use credit cards responsibly

When I was in my early 20’s I had no idea how to properly use a credit card – and I definitely didn’t know how to use it responsibly. And as a result my financial life was a mess. Sure, I could blame Visa and Mastercard, but the truth was that it was my fault. […]

How To Find The Best Price For All The Stuff You Buy

written by Bob Lotich, CEPF® | Saving Money

Finding the best everything you're shopping for

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Today we’re talking about how to find the best price for things. This actually comes from a listener question, which I will read.  “When you’re talking about how quick and easy it is to find the […]

TurboTax vs Credit Karma Tax: Which is better?

written by Bob Lotich, CEPF® | Saving Money

Turbo Tax Vs Credit Karma Tax

Nearly 50% of all Americans prepare and file their own taxes each year. This number is increasing because tax preparation software like Credit Karma Tax and TurboTax 2020 are reducing the barriers to self-prepared returns. But, which is better – Credit Karma Tax or TurboTax 2020? It depends.  Credit Karma Tax is better if: You […]

9 Millionaire Success Habits

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

9 Millionaire Success Habits

(The following is a transcription from a video I recorded. Please excuse any typos or errors.) We are talking about nine millionaire success habits that hopefully will inspire you. If you are curious as to what habits you need to develop to start building wealth a little bit faster than you currently are, stay tuned […]

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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

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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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