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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 Start a Money-Making Blog [FREE e-Course]

written by Bob Lotich, CEPF® | Making Money

How to start a website or blog in 10 minutes tips from a pro-blogger making a full-time living blogging!

Since I am now making a full time income from my blog, I decided that I needed to write about how to make money with a blog. This article contains the things I have done over the last 2 years to drastically increase my blog earnings…

How To Manage Bills With A Bill Payment Schedule (Free Download)

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

Making money blogging

Why not implement the same type of planning to the paying of your bills? Rather than sporadically paying them as they come in, or checking a pile on your desk every few days, you should be able to designate 2 days a month to pay your bills…

How I Broke Free From The Rat Race (in less than 2 years)

written by Bob Lotich, CEPF® | Saving Money, Career & Work, Debt Help, Making Money, Managing Money

A little over a year ago I ventured out into self-employment after spending much of the previous decade in the “Rat Race”. For most of that time I was a glorified pencil-pusher in the corporate abyss of a Fortune 500 company.
Now that I have spent over a year working for myself I can’t imagine doing anything else. For as trapped and held down as I felt before, I feel the opposite extreme of the joy of freedom. Just to be clear, self-employment has it’s own challenges and difficulties, but I honestly think they pale in comparison to what I went through while spinning my wheels in the Rat Race.

Starting an Ebay Business: A Step-by-Step Guide

written by Bob Lotich, CEPF® | Entrepreneurship, Making Money

A while back I did an experiment to see if I could start a profitable Ebay business. This article shows how I did it and what my results were…

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!

How to get textbooks for free

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

A simple method you can use to get your college textbooks for free!

This was a trick I discovered late in college, that I wish I would have known about earlier, it could have saved me thousands over my college years. It shouldn’t take more than a hour and could save you hundreds each semester.

How to quit spending more money than you make

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

How to quit spending more money than you make

So you want to learn how to quit spending more money than you make? Here are a few ideas that have helped me…

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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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