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Debt Help

Quit spending (Part 4)

written by Bob Lotich, CEPF® | Saving Money

Getting out of debt part 4…Getting out of debt, creating wealth, living financially free, retiring with cash in hand can all be achieved by following one simple rule: Spend less money than you make.

Open your mind (Part 2)

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

Getting out of Debt Part 2…I have found that when I am challenged by something, I either open my mind to the possibility of it or I don’t. If I do open my mind to it, then I have to count the cost to decide if I want to do it. If so, the last and often easiest step is to just do it.

How to Get Out Of Debt
(Part 1 of 7)

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

How to get out of debt

Getting out of debt Part 1… If you are like most Christians I have met, you want to be able to give more. You have a good heart and wish you could give more. You really want to be able to bless people and give more to your church. But again, if you are like most that I have met, you are thinking, “it is hard enough just to pay the bills each month, let alone give to others the way I would like to.”

Getting out of Debt (Series)

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

Are you looking for help getting out of debt? …Over the last 2 years while working to get out of debt, we have paid off nearly $30,000 in consumer debts from some mistakes that we made in the past.

Bankruptcy & The Bible

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

bankruptcy and the bible

What does the Bible say about bankruptcy? Here is the truth about what the Bible says about bankruptcy.

Dave Ramsey critics

written by Bob Lotich, CEPF® | Debt Help

dave ramsey critics

Dave Ramsey seems to attract quite a few critics these days. I have heard him being criticized for everything from being over-simplified to allowing people to use debit cards to buy his products.

Christians and Debt

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

what the bible says about christians and debt

Should a Christian be in Debt? The Bible makes it clear that being in debt is not God’s best for us. I haven’t found anything to indicate that it is a sin for a Christian to be in debt

How to budget with Capital One 360 (Formerly ING Direct)

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

Want to know how to budget? Well, ING Direct is my favorite budget tool. Here are the steps how I budget with ING Direct. You could probably use this same technique at other banks, but I will show you why it is more beneficial at ING Direct.

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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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