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Money Tips

How to make more money with your emergency fund

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

how to make more money with your emergency fund

This post will walk you through the steps to leverage your emergency fund to make more money…. Everyone’s definition of an emergency is different. But, if you want it to be of some use to you, you need to have a strict definition of an emergency. Your emergency fund should put more dollars into your pocket once it has been well established. Here is how:

7 Side Jobs I’ve Done to Increase My Income

written by Tim | Entrepreneurship, Making Money, Saving Money

7 side jobs I've done to increase my income

There are plenty of good articles that highlight ways to make money or part time jobs to earn extra cash. But what about side jobs you can do while you’re still employed full time?

Is Bankruptcy Ever Okay for a Christian?

written by Matt Bell | Biblical Personal Finance, Debt Help, Money Mistakes

is bankruptcy ever ok for a christian

With many people still struggling to find work, bankruptcy filings continue to grow.  More than 500,000 people have filed so far this year, according to the National Bankruptcy Research Center.  That’s up 17 percent from last year at this time. While bankruptcy’s stigma has weakened in recent years, it is still an especially troubling topic […]

Which IRA Should You Invest In?

written by Jason Topp CFP®, CRPC® | Investing

which ira should you invest in

So you’re saving money for retirement, or thinking about opening an account – that’s great! But should you open a Roth IRA or Traditional IRA? The question inevitably comes up – Which Type of IRA Should I Invest In?
It’s a good question, and there are advantages and disadvantages of both the Traditional IRA and the Roth…

6 tips for a debt free Christmas

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

Why after every Christmas are most people looking at huge credit card bills wondering, “Where did all that money go?” It is no different than any other area of our lives, if we don’t have a leash on it – it will be out of our control. Think of your money like your neighbor’s dog

Dave Ramsey critics

written by Bob Lotich, CEPF® | Debt Help

dave ramsey critics

Dave Ramsey seems to attract quite a few critics these days. I have heard him being criticized for everything from being over-simplified to allowing people to use debit cards to buy his products.

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%.

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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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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