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Money Management

10 tips for a better budget

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

tips for a better budget

Make a better budget! These are my ten tips to build and keep a better budget.

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.

Budgeting is like baking cookies

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

budgeting is like baking cookies

For some reason the word “budget” has an interesting effect on most people causing them to cringe in pain more than the thought of going to the dentist. It really shouldn’t be as painful as people make it seem. If done correctly, it should give you MORE freedom to get what you want. If you think of a budget as a plan “that takes away all the fun” or eliminates your ability to get things you want, then you are doing it wrong.

How I organize my bank accounts

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

organizing bank accounts

This article explains how I organize my bank accounts…If there is one thing that I have learned about personal finances, it is that nothing is one-size-fits-all. There are different tools, methods, products, and investments that work for different people at different phases of their lives. My system that I am currently using to manage my accounts and cashflow, did not work for me 5 years ago, but…

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Primary Sidebar

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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