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Money Saving Techniques

Save money on car depreciation

written by Bob Lotich, CEPF® | Saving Money

You can minimize the amount of depreciation of your car with these tips… Everyone has heard that a brand new car goes down hundreds or even thousands of dollars the minute you drive it off the dealer’s lot. This is just the beginning. Over the first year some cars depreciate as much as 35%.

Buying a wedding ring from Amazon.com

written by Bob Lotich, CEPF® | Saving Money

Wedding rings on amazon.com

I bought my wife’s engagement ring from Amazon.com and I learned a few things in the process… When I began shopping for my wife’s engagement ring, I started browsing “traditional” jewelry stores to get a ballpark figure for what I could get with the amount I had saved up. Like most other purchases I make, I did my homework and learned about the four C’s (color, cut, clarity, carat) so that I could make an educated buying decision…

How to budget with Capital One 360 (Formerly ING Direct)

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

Want to know how to budget? Well, ING Direct is my favorite budget tool. Here are the steps how I budget with ING Direct. You could probably use this same technique at other banks, but I will show you why it is more beneficial at ING Direct.

Expenses rise to meet income

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

expenses rise to meet income

Expenses rise to meet income. This is the gist of Parkinson’s law. This is the reason that a couple months after most people get a raise, it feels just as tight financially as it did before the raise.

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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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