About Bob Lotich, CEPF® Bob Lotich found himself at his breaking point in his early 20’s overwhelmed by debt and stranded 1,000 miles from home with only $7 to his name. After crying out to God for wisdom and discovering a simpler (and far more effective) approach to money, he reached a level of financial […]
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Money Mistake #1 – Paying too much for a car
It is obvious that overpaying for something isn’t a good idea, but with cars it is especially a bad idea. The reason is that cars are depreciating assets, so if you take a loan out for your purchase, you immediately enter into a race to pay the car loan down faster than the value drops. In my case with the convertible, I did a lot of things that ensured I was going to lose this race…
A chicken, a Bible, and a banana tree…
What do a chicken, a Bible, and a banana tree have in common? You can Google it, but there is only one thing that I am aware of. And that is… By enrolling in any SeedTime course, you are providing all 3 of them for someone in need. We recently began partnering with World Vision, […]
The 14 best money tools & apps I personally use
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 […]
Christian financial courses
Your instructor(s) Bob Lotich, CEPF®, and Linda Lotich have spent the last 15 years helping millions discover true financial freedom with their award-winning blog SeedTime.com and SeedTime Money podcast. Unlike most financial experts, they lead with grace over judgment and focus on creating hope while washing away the shame so many carry with money. In […]
What the Bible says about about Lending
We all know the saying, “A borrow is a slave to the lender.” There are many articles about borrowing money. But, I want to address the Lender. Here are several Bible Verses I’ve found about Lending… should we lend? If so, when is it okay to lend? Exodus 22:25 If you lend money to My […]
Simple Money Rich Life
You don’t need to be a financial expert to succeed financially. You don’t need to read a dozen money books, spend 10 hours a week budgeting, or have a finance degree. You just need to set up a simple money system that will help you spend less time managing money than you currently are. Leaving […]
9 Financial Challenges Pastors Face
As a pastor for over 14 years, I don’t know anyone who went into the ministry for the money. Pastors respond to a call to serve God and make a real difference in the lives of others. Most live modest lives and give sacrificially of their time and financial resources to help others. But some pastors struggle under the weight of financial burdens that few people in their congregation know about.