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Money Lessons

The 4 red flags of the Tranzact debit card

written by Bob Lotich, CEPF® | Managing Money

I have been getting emails from a bunch of readers asking for us to do a Tranzact debit card review wanting to know what I think about the Tranzact rewards card. If you haven’t heard, basically, it is a debit card with a positive social impact that provides “Z-Bucks” that can be used to buy […]

My Checklist To Financial Freedom (PDF)

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

my checklist to financial freedom

I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on.

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 . . .

4 Habits of Millionaires (Have Any of These?)

written by Craig Ford | Managing Money

habits of millionaires

The book The Millionaire Next Door analyzes the financial habits of millionaires. It shares the results from interviews and surveys with millionaires. The goal of the book is to give an accurate idea of what characteristics make a millionaire. I found four of those characteristics especially important . . . .

4 Financial Lessons from Solomon (The Richest Man Ever)

written by Bob Lotich, CEPF® | Biblical Personal Finance

The Bible says that Solomon was the richest man who ever lived and also the wisest ever to live (1 Kings 4:31). I think that makes him qualified to give some financial advice

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…

Helping Vs Enabling: How To Know Which Is Which

written by Joe | Saving Money

Helping vs Enabling - How to know which is which

Christians have a dilemma. We are told to help the needy and we are also told to be wise. The challenge is to do both simultaneously. Is it possible that our “help” isn’t actually helping? Could we be enabling instead? How do we know the difference? What are some guidelines? First, some definitions: Helping is doing something…

10 ways to become poor

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

10 ways to become poor

These are some simple ways to become poor… 1. Spend more than you make – Actually if you only do #1, you won’t have to worry about the other 9. This is the easiest way for anyone to become poor. It doesn’t matter if you make millions or hundreds each month, the same principle applies.

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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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