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Budgeting articles

Money & Marriage: 7 lessons I have learned so far

written by Bob Lotich, CEPF® | Managing Money

Money and Marriage, how to avoid marital money fights and conquer money management

These are the 7 lessons about money and marriage that I have learned so far…

How To Make A Simple Budget

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

how to make a simple budget

What is the best way to make a budget? This step by step guide will show you how to make your budget. The first thing that anyone who wants to make a budget must do is to compare their income versus their expenses. The good thing is that it is quite easy to do…

How Much “Fun Money” Should You Spend Per Month?

written by John Frainee | Budgeting

How much fun money should you spend per month?

If you’re like me – a penny pincher – you need to know it’s okay to have a little fun every once in a while. But how much should you spend on entertainment and fun? The answer is different for everyone, but here are a a few ideas that can help you figure that out.

How to Stick With a Budget

written by Matt Bell | Budgeting

Budgets have always been a tough sell. However, in workshops I teach around the country, I’ve noticed a hopeful sign . . .

YNAB Budgeting Software Review

written by Bob Lotich, CEPF® | Budgeting

ynab 3 review

Jesse has done a fantastic job of creating a beautiful user interface that is intuitive and effective. After the issues I experienced with Mvelopes, YNAB was the perfect antidote. Like I mentioned before I really liked the “system” that Mvelopes created, and had I not had interface issues I would still be using them.

How to Save Hundreds of Dollars By Taking a Day Off Work

written by Craig Ford | Managing Money

how to save hundreds of dollars by taking a day off work

Do you have a to do list that includes items you should have accomplished a year ago?  If you do, you are what I call normal. The January 2010 issue of the Sound Mind Investing Newsletter discussed something called a “fiscal health day” (a term they borrowed from a Ron Lieber article in the New […]

Cash Envelope Budgeting

written by Jason Price | Budgeting, Managing Money, Saving Money, Simplify

cash envelope budgeting

In case you don’t know or need a refresher, cash envelope budgeting involves using envelopes to manage money. An envelope is created for each of your budget categories such as food, clothes, entertainment, transportation, etc. After you receive a paycheck you fund each individual envelope (or budget category) the cash allotted to it for the month…

The 10 most common new year’s resolutions – is yours on here?

written by Bob Lotich, CEPF® | Debt Help, Productivity, Simplify

10 most common new years resolutions

I did some researching to find out the 10 most common new year resolutions – these are them! I am not much of a supporter of new year resolutions, I don’t like waiting around for a specific date to make positive life changes. That said, I guess some people don’t really think about making positive life changes until the new year rolls around…

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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

Legal Disclaimer

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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