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Subsidized vs. Unsubsidized Student Loans

written by Tim | Saving Money

When borrowing money for college, students have two different types of federal student loans that they can access: subsidized and unsubsidized. What are the differences between these two types of loans? Which type of loan is more attractive for students?

15 baby toys that you can make for free

written by Jen | Saving Money

15 baby toys that you can make for free!

Who said babies have to be expensive? I am due in a few weeks with baby #3 and let me tell you that I have learned that you don’t need most of the baby stuff that stores try to sell.  Especially when it comes to toys. Babies tend to want to play with everything and […]

5 Free & Insanely Helpful Apps To Help You Get Control of Your Money

written by Bob Lotich, CEPF® | Saving Money

5 FREE and insanely helpful apps that will help you finally get control of your money!

1. Personal Capital See all your accounts in one place with their award-winning software. Their free tools let you manage your entire financial life from one secure place – the one app to eliminate the rest of them. They have become the go-to app for managing your total financial picture.  One of my favorite features is their fee-checker […]

20 ways to use worn out clothes that you’ve never thought of

written by Jen | Saving Money

20 ways to use worn-out clothes and repurpose them

Don’t throw away those worn out clothes, instead repurpose them! There are lots of ways to repurpose clothes and breathe new life into them. We have rounded up 20 creative ideas for your worn out clothes to get you inspired to repurpose what you already have just sitting in your closet, let’s DIY! Those stretched out […]

Christian View of Insurance: Is it Biblical?

written by Jay Peroni, CFP® | Managing Money

Is it a lack of faith to have life insurance?

Many people choose self-insurance or go without insurance while others take on too much insurance. During downtimes, insurance can be a financial lifesaver. But is it wise and godly to protect against illness, death, accident, or theft?

The Problem With Tithing Your Time

written by Joe | Biblical Personal Finance, Managing Money

The problem with tithing your time

The argument I hear about tithing time sounds logical: “I just can’t afford it. Every penny is spent before the month begins. Wouldn’t God understand if I were to tithe my time instead of my money?” While I don’t believe this is a black-and-white issue, I do see some problems with this mindset.

Faith and Giving Lessons from C.S. Lewis

written by Tim | Biblical Personal Finance

In his book, Mere Christianity, C.S. Lewis explains an aspect of the Christian faith by comparing it to receiving and giving a gift.

How to finally get out of that job you hate and find work you love

written by Bob Lotich, CEPF® | Saving Money

how to get out of job you hate and find a job you love!

Each one of us has unique giftings and skills that we have been given by our creator. The challenge sometimes is figuring out how to get them in line with our careers. In my case I feel like I stumbled around for many years in job to job doing things I was working really hard […]

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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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