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5 Reasons Your Kid Shouldn’t Go to College (and What They Can do Instead)

written by Lynnae | Career & Work

5 reasons your kid shouldn't go to college - and what they can do instead

[Note from Bob:  I get WAY too many emails from readers who take out over $100K+ in student loans and upon graduation discover that even low paying jobs can be hard to come by.  Many find themselves deep in debt with very little income – not exactly starting off on the right foot.   I […]

12 Things You Can Learn That Will Make You Better at the Game of Life

written by Kevin Mercadante | Saving Money

These are 12 simple things that you can learn today to help you become better at the game of LIFE!

We go to school to learn hands-on skills that will enable us to be better at earning a living. But many of the skills that will make you a success in life have little or nothing to do with earning a living. They’re mostly about living your life, interacting with other people, and improving yourself. And sometimes they even help you earn a living. Here are several things you can learn how to do today that will make you better at the game of life.

How to get textbooks for free

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

A simple method you can use to get your college textbooks for free!

This was a trick I discovered late in college, that I wish I would have known about earlier, it could have saved me thousands over my college years. It shouldn’t take more than a hour and could save you hundreds each semester.

7 Steps to Take When You Lose Your Job

written by Lynnae | Career & Work

7 steps to take when you lose your job

“I’m sorry. We’re going to have to let you go.” These words strike fear into the hearts of wage earners across the U.S. every day. What if it happens to you? Do you know what to do? Two months ago my husband lost his job. It was tempting to panic, knowing our family had just […]

Helping Vs Enabling: How To Know Which Is Which

written by Joe | Saving Money

Helping vs Enabling - How to know which is which

Christians have a dilemma. We are told to help the needy and we are also told to be wise. The challenge is to do both simultaneously. Is it possible that our “help” isn’t actually helping? Could we be enabling instead? How do we know the difference? What are some guidelines? First, some definitions: Helping is doing something…

6 Things You Can Buy That Will Pay for Themselves in a Year

written by Bob Lotich, CEPF® | Saving Money

6 things you can buy that will pay for themselves in a year

I must say that I really get a kick out of doing little things that will pay big dividends. So each of these 6 items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that, you can run out and buy everything mentioned here and actually be richer in a year! Yes you are welcome!

How to use Dave Ramsey’s Envelope System [and 4 Envelope System Wallets]

written by Guest | Budgeting

how to use Dave Ramsey's envelope system to budget... https://seedtime.com/how-to-use-dave-ramseys-envelope-system-to-budget/

I have noticed that since I’ve started using the envelope system, I’m spending about $60 less per two-week period than when I used a debit card. I think it’s because when I lay three $20s down for groceries, it hurts! When I paid with debit, it didn’t really register with me. –My Total Money Makeover […]

How to overcome the fear of failure

written by Bob Lotich, CEPF® | Simplify

How to overcome the fear of failure

No one likes to fail, but often it is a critical component to our success. These are a few of the things I did to overcome my fear of failure

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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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