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Our Honest Medi-Share Review after 14 years

written by Bob Lotich, CEPF® | Saving Money

medishare review

My Medi-Share review below was originally written in 2009 when I was investigating them but has been continually updated (now for 2024) as I‘ve been using them for over 10 years.  Hope it helps!   If you are self-employed like me or are just looking for a Christian health insurance alternative, you may just want to […]

Tithing in the New Testament & Old

written by Bob Lotich, CEPF® | Biblical Personal Finance, Popular

Reading Bible verses

All about tithing in the new testament… Some say it was only an Old Testament Law that doesn’t need to be followed as believers under the New Covenant. And some say that it is just a relevant to New Testament Christians as it was in the Old Covenant. This is what the Bible says about Tithing…

The Parable of the Talents (The Hidden Meanings)

written by Bob Lotich, CEPF® | Biblical Personal Finance

lessons learned from the parable of the talents

This famous parable that Jesus used has a lot to teach us about stewardship of many things in our lives (including money) if we let it. 

The Parable of the Talent’s is one of Jesus’ most famous parables. Yet hidden in the 17 verses in Matthew 25 are some of the most important keys to succeeding as a Christian.

These lessons aren’t just good advice—they’re divine mandates that can help believers be more in line with God’s purposes, not just in their finances but in every facet of their lives.

The 5 Best-Rated Credit Card Companies

written by Bob Lotich, CEPF® | Managing Money

The 5 top rated credit card companies

I am always cautious when writing about credit cards because I know some people get themselves in loads of trouble with their credit cards. But I trust that you are not one of those people and that you are smart enough to know that carrying a balance on a credit card is a no-no! Repeat […]

Why Money Doesn’t Solve Most Money Problems

written by Bob Lotich, CEPF® | Debt Help, Money Mistakes

why money doesn't solve money problems

I mean if you were making what your boss is making, it will not fix your financial squeeze. There is a famous principle that expenses rise to meet income, so if you are having a hard time paying your bills or making a dent in your mountain of debt money is NOT your answer.

75 gas saving tips (for cars, trucks, etc)

written by Bob Lotich, CEPF® | Saving Money

Remember the good ‘ol days when you could fill up your gas tank for about $10? Well, since those prices don’t seem to be ever coming back again, we might as well figure out how to not use as much! To give you a little head start, I scoured the internet looking for the best […]

5 Extraordinary Stories About Giving

written by Joe | Biblical Personal Finance

extraordinary stories about giving

As a reader of ChristianPF, I assume that you agree with this statement: “Even if you pay off every debt, build a fully funded emergency fund, invest wisely for retirement, save for your children’s college fund, and pay off your house early, you could still be missing the most important personal finance principle: giving!”

Free state income tax filing (5 ways to file free)

written by Bob Lotich, CEPF® | Saving Money

5 free ways to file your STATE taxes for FREE. It is pretty easy to find a free FEDERAL option, but filing state taxes for free can be tough to find.

It isn’t too difficult to find a place to file your federal tax return for free, but finding a service to file your state return for free is another story. Here’s what I found . . . .

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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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