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Debt Help

Why Money Doesn’t Solve Most Money Problems

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

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

10 Money Tips For Graduates

written by Craig Ford | Biblical Personal Finance, Debt Help, Managing Money

10 money tips for graduates

I keep checking my mailbox to get an invitation to speak at a school graduation, but alas, the invitation never came. Therefore, I’m going to share 10 tips I wish I had when I graduated (high school and college). 1. When given the choice to learn from your own mistakes or the mistakes of others . . .

How to Calculate Your Net Worth & Why You Should

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

While I think few would argue that paying off debts is a good thing, there is a better way to accurately see the big picture of your finances. It is called your NET WORTH. And no it is not just a number that rich people talk about at cocktail parties. It is what financially savvy people use to track their progress.

How To Set Up A Budget With Inconsistent Income

written by Bob Lotich, CEPF® | Budgeting

The fact is, it is more difficult to set up a budget when you never know how much you are going to make each month – but it still can (and in my opinion) should definitely be done. I happen to think it is far more important for those with irregular income to set up a budget because of the quick damage that can be caused if you don’t…

4 Simple Ways to Pay Off Your Mortgage Early

written by Joe | Debt Help

Buying a home is a major expense — and a major debt. It’s said it’s the biggest purchase you’ll make in your life. A traditional mortgage loan is repaid over the course of 30 years, but today, some terms call for up to 40 years of repayment. To some, three or four decades seem like an interminable amount of time to take to pay off a debt… These are 4 simple ways to pay off your mortgage early!

I Remember

written by Bob Lotich, CEPF® | Budgeting, Debt Help, Managing Money, Simplify

I Remember...

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card. I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes…

14 quotes to help you stay out of debt

written by Jen | Saving Money

Staying out of debt (and then getting out of debt) can be hard. There is always something tempting us to spend our money… even when we don’t have money to spend. We need to remind ourselves that it is ok to NOT buy every new thing that is advertised. We can live with less and still […]

What Does The Bible Say About Debt? (The Surprising Truth)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help

Before you begin your journey to get out of debt, it is important to know what the Bible says about debt.

Before you begin your journey to get out of debt, it is important to know what the Bible says about debt. You can then use these truths to build your faith since faith comes by hearing the word. Once you have a solid understanding of what God has to say about the issue, then you can boldly pray about your debt in faith.

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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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