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12 Inspiring Quotes that will help you through even the worst days

written by Jen | Saving Money

12 inspiring quotes that will help you through even the worst days

Having a bad day? Things will get better.  Know that you can make it and that you are not alone! If you are having tough days lately, we want to inspire you with these 12 quotes that will help you through the worst days.

20 Fun Alternative Ideas for Halloween

written by Dawn | Saving Money

pumpkins

Fall is one of my favorite seasons! I’m always looking forward to the leaves changing colors, the crispness in the air and everything pumpkin. With the arrival of Autumn… it seems as though many look forward to Halloween and focus on Halloween only. But, on the other hand there are many ways to avoid everything […]

25 Quotes that will change how you look at money

written by Dawn | Saving Money

Ways to save money

We live in a society where instant gratification is a state of mind, a way of life.  And, we have incredible debts as a result. Debts that weigh heavy on our shoulders. As I remember conversations I have had with my Grandma, I noticed my way of looking at money is very different than how […]

4 Ways to Watch Sports without Cable

written by Lynnae | Saving Money, Simplify

4 ways to watch sports without cable

I’ve been trying to cut the cable cord for years. If it were up to me, I’d be satisfied with Netflix and Amazon Prime. But I’m married, and I have kids. And my husband and son are both sports fanatics. A few years ago, we cut out cable as an experiment for one year. After […]

How to Decide who to Vote for (when you don’t like any of the options)

written by Bob Lotich, CEPF® | Saving Money

How to decide who to vote for in the presidential election

This is written for the millions of us REALLY struggling with this decision. I have worked painstakingly hard to create a non-partisan guide to help YOU decide who to vote for this year. I don’t feel right about pushing a political agenda with this site, but for those just dying to know the conclusions I […]

Why You Need Life Insurance and Why it Needs to be Term Insurance

written by Kevin Mercadante | Saving Money

It’s unfortunate that so many people don’t consider life insurance to be very important. They’re much more concerned with health insurance and auto insurance, since the need for such coverages is usually more immediate. Life insurance doesn’t seem important until it becomes necessary, and then it becomes critical! That’s because you can’t buy life insurance […]

7 Simple Rules To Stop Fighting About Money

written by Rich Avery | Saving Money

Want to finally stop fighting about money with your spouse? These are 7 simple rules that you can start applying to your life today that will end those fights about money!

Dissension in marriage is often caused by conflicting financial priorities. So if you want to experience greater harmony and unity in your marriage, you won’t go wrong by finding ways to create greater harmony and unity in your finances.

5 lessons from the garden about fruit bearing

written by Bob Lotich, CEPF® | Biblical Personal Finance

fruit-bearing

Who doesn’t want to be more loving, joyful, at peace, patient, kind, full of goodness, faithful, gentle, and self-controlled? Each of those are the fruit that the Bible says we should be bearing (John 15:16). I know I would love to see each one of those more in my own life – wouldn’t you? So, what do we need to do to bear more fruit?

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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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