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How to get out of credit card debt (on your own)

written by Bob Lotich, CEPF® | Debt Help, Popular

pay off a mountain of credit card debt

12 years ago, Linda and I confronted our debt and decided that we were going to pay off our credit card debt on our own (and fast if at all possible). We were determined to make the sacrifices necessary to eliminate it as quickly as possible. We had $46k in total debt (though not 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, […]

8 Money Questions That Have a Lasting Impact on Your Finances

written by Craig Ford | Managing Money

money questions that have a lasting impact on your finances

Making decisions can be hard work. Sometimes I get tired of trying to choose between all the options of life.  Truth be told, some decisions that I thought were important turned out to have little or no impact on my life.  Other decisions that I made are still impacting me (either positively or negatively). In […]

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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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