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12 Things You Should Stop Doing That Are Stealing Your Joy

written by Kevin Mercadante | Saving Money

These are 12 things you can stop doing today to get more of your JOY back in your life!

Sometimes we’re unhappy, but we don’t know exactly why. Even if our lives seem to be happy and successful on the outside, we may not feel that way deep inside. If you feel that way, it’s likely that there are some things you should stop doing that are stealing your joy. Here are several of them . . . .

15 Healthy Slow Cooker Meals for under $10

written by Jen | Saving Money

15 healthy slow cooker meals you can make for under $10

Fall is the perfect time to break out the slow cooker.  I love that my family and I can still have healthy, home cooked meals for dinner, without the fuss and cleanup of actually preparing a huge meal every night.  Slow cookers are the perfect tool for a busy family and can help you save […]

25+ DIY gift ideas for under $10

written by Dawn | Saving Money

25 DIY gift ideas under $10

With the approach of Christmas, I’m trying to find ways to gift those in my life while not spending too much. Let’s face it, one can go broke this time of year!  We focus on the gift, not the meaning behind it… or, at least I have been guilty of this.  Do our loved ones […]

7 Things Every Christian Should Do Every Day

written by Kevin Mercadante | Biblical Personal Finance

These are 7 things that every Christian should be doing each day -

As Christians, we never want to get into the legalistic practice of creating “to do lists” that we must follow in order to define ourselves as believers. But at the same time, there certain things every Christian should do every day in order to stay in faith. “But be doers of the word, and not […]

3 Ways to Find Gifts for Difficult-To-Shop-For Friends and Family

written by Tim | Saving Money

we all have some people in our lives that are very difficult to shop for. Check out these 3 ways to find even the most difficult ones gifts that they will love!

How many of you would agree with this statement: I like to give people gifts, but figuring out the right gift is tough. Every time a birthday, anniversary, or Christmas comes around, I find myself scrambling to figure out which gift is best for each person. The last thing I want to do is give a gift that ends up in the closet unused or still in the package next year.

35+ Creative DIY Christmas Decorating Ideas

written by Dawn | Saving Money

35 DIY Christmas decorating ideas

Christmas brings the crafter out in me. Not only do I want to bake and make homemade gifts, but I want to decorate! In most homes you will find a Christmas Tree decorated. And, in our home there is no exception! The Christmas Tree is a staple in our home during the Season. Not only […]

20 Brilliant ways to use Paper Rolls (Paper Towel & TP Rolls)

written by Dawn | Saving Money

Here are 20 ideas for you on how you can reuse and repurpose those old paper rolls from toilet paper and paper towels

There are few items that nearly everyone will have in their home. I think it’s safe to assume that the majority of homes in American have either Toilet Paper or Paper Towels in their home, or both. Which means, there are plenty of Paper Rolls being thrown out daily. I wanted to find out ways […]

8 Ways to Stay Motivated While Getting Out of Debt

written by Joe | Debt Help

You open that credit card statement and sigh. “It’s going to take forever to get this thing paid off.” When you add your student loan debt and your car debt, that sigh turns to a moan. You ask yourself, “How can I ever stay on task long enough to do this? Is there a way to stay motivated?”

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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

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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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