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7 FREE Printable Budgeting Worksheets

written by Bob Lotich, CEPF® | Budgeting

7 Free Printable Budgeting Worksheets

Here are 7 different choices of free printable budgeting worksheets. Download the worksheet that works best for you…

The Seesaw Principle

written by Bob Lotich, CEPF® | Debt Help

The seesaw principle

To get the most out of this lesson, I recommend watching the video here, but for the Cliffs-notes version you can just continue reading below… The one simple principle that changed my life forever And you probably have already heard it, just like I had for years. But it wasn’t until I finally “got it” […]

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 […]

4 Financial Lessons from Solomon (The Richest Man Ever)

written by Bob Lotich, CEPF® | Biblical Personal Finance

The Bible says that Solomon was the richest man who ever lived and also the wisest ever to live (1 Kings 4:31). I think that makes him qualified to give some financial advice

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, […]

Fundrise Review: Fundrise vs. My Rental Property

written by Bob Lotich, CEPF® | Investing

Fundrise REinvesting review

Ever since I read Rich Dad, Poor Dad about 15 years ago, I have been itching to get into real estate investing. While I don’t agree with everything in that book and he makes it seem just a little too easy, I do think some of the principles of building wealth with real estate are […]

7 simple ways to make $100/month

written by Bob Lotich, CEPF® | Making Money

These are 7 simple ways you can make $100 this month - or a lot more! #makemoney #makingmoney #earnmoney #sidehustle

It is amazing what just an extra $100/month can do for your finances. And on one hand it can seem like a really difficult thing to accomplish, but in reality making $100 (or more a month) can be pretty easy. There have been countless things I have done over the years to earn some extra […]

How Cars Affect your Financial Freedom

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

How your car dramatically affects your financial freedom...

I had a revelation about cars that has caused me to not really care what mine looks like. It’s not that I don’t want a really fast car, it is just that there is something I want a bit more: financial freedom.

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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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