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How to calculate your real hourly wage

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

Ways to save money

I am currently reading Your Money or Your Life — which is a great book by the way. And I won’t turn this article into a review of the book since I haven’t finished it yet, but one of the things that I found very valuable the other day was calculating your real hourly wage. It’s not as simple as saying, “I make $400 a week and work 40 hours, therefore I make $10/hr.” When you factor in all the additional expenses of having your job (which some may not be obvious) that you could avoid if you didn’t have that particular job, you begin to see the value in this calculation.

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.

Why Integrity is Important in the Workplace

written by Joe | Career & Work

Why integrity is important in the workplace

In his book The Millionaire Mind, Thomas J. Stanley asked 733 millionaires to rank 30 factors which led to their success. The number one attribute, “being honest with all people,” tells volumes about the importance of integrity in the workplace: it is more than living out good moral principles — it is also critical for succeeding in the business world.

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 […]

25 Best High Paying Jobs Without A Degree

written by Bob Lotich, CEPF® | Career & Work, Making Money

31 legit home-based biz ideas

There are a lot of high paying jobs available to those without a degree. These are the top 25 paying jobs that don’t require a degree… regardless of whether or not you get a college degree, you have to be a learner.

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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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