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Saving Money

My New Credit Card

written by Bob Lotich, CEPF® | Saving Money

So I recently got a new credit card and replaced my Sapphire Preferred that I have been using for over 5 years. You can watch this video for details of why I switched… Now their signup bonus is always changing, but regardless the 1.5% unlimited cashback with no annual fee still makes it a pretty […]

I received a ransom email (and this is what I did)

written by Bob Lotich, CEPF® | Saving Money

Last Thursday I was having a really great day. I was getting important stuff done and feeling like I was making some good progress on the day’s goals. My parents were coming into town to visit with us for a few days and the weekend was nearing. And then I got the email. As I […]

The 14 best money tools & apps I personally use

written by Bob Lotich, CEPF® | Saving Money

Financial Tools

This page is the Cliffnotes version of all the best financial tools I have discovered as a professional money blogger over the last 15 years. This means that you can save hundreds of hours of research and trial and error and get the shortcut to the best stuff out there. No joke, I opened 34 […]

25 Top Ways To Save Money (that work fast)

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

Ways to save money

25 ways to save money by not doing what “normal” people do. A lot of money can be saved by thinking “outside the box.”

How we travel for free [161 hotel nights and 103 flights all free]

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

How to travel the US for free

I know when you read a title like “how to travel the U.S. for free” you can’t help but be suspicious. But stick with me on this – if this is new to you, you are going to like it. Over the last 5 years, we have gotten 161 hotel nights and 100+ flights all […]

Why I use credit cards instead of debit cards or cash

written by Bob Lotich, CEPF® | Saving Money

why i use credit cards instead of debit cards

The simple truth is that while they cost me a lot of money early in my life in interest charges (because of my bad financial habits), at this point, they save me far more money than I could have ever imagined. This is another one of those articles that I should have written years ago, […]

Net Given: The Better Metric To Track

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

Tracking Your Net Given

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) We’ve recorded a video about “8 Habits of Wealthy and Successful People.” And one of the things that they did, was that they keep track. This is actually something that we had already been thinking and talking […]

10 Things Every Parent Should Tell Their Kids (and Themselves)

written by Kevin Mercadante | Saving Money

These are 10 important things we should be telling our children - and even ourselves

Because the world encourages us to seek success so diligently, we almost need to have an entirely different mindset in order to find happiness. Along that line, here are several things every parent should tell their kids — and themselves — about how to find true happiness in life — even if financial success never comes your way.

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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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