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Financial Calculators

10 Free Household Budget Spreadsheets

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

Free budgeting spreadsheet

Someone asked me to share my favorite free household or personal budgeting spreadsheets… Each one of these budgeting templates are free… If you use OpenOffice (basically a free version of Microsoft Office)…

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.

Free Spreadsheet To Get Your Financial Life On One Page

written by Bob Lotich, CEPF® | Managing Money, Productivity, Simplify

Getting Control of your money by using a F.L.O.P., getting your Financial Life on One Page!

Being impacted by my uncle’s premature death and wanting to do everything I can do to help my wife, I decided to create a system for keeping things organized. It has been a work in progress over the last few years, but has evolved into a very helpful tool…

The one thing I would teach a recent college Grad

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

The one thing I would teach a recent college grad

You just finished your degree and you are probably looking for your first “real” job. This is the perfect opportunity to decide how you would like your financial life to be. You have the choice to spend and buy whatever you feel like which will likely put you in heaps of debt.

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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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