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Is Refinancing Your Mortgage Always a Good Idea?

written by Kevin Mercadante | Managing Money

Is refinancing your mortgage always a good idea?

The possibility of a lower monthly house payment would be welcome by any homeowner, but lower payments aren’t always what they seem. And what about those who are not in a position to refinance — are they out of luck?

The Parable of the Sower: A New Perspective

written by Tim | Biblical Personal Finance

It’s fascinating to read the parables of Jesus because there always seems to be something new that comes from it. That’s how I feel about the parable of the sower.

30+ Kitchen Organization Tips

written by Dawn | Saving Money

30 kitchen organization tips

This article is a great compilation of the best ways to get the best use out of your kitchen.  Below are a few of my favorite kitchen organizing accessories – all can be found on Amazon for less than $50! Cabinet Organizers Your cabinets will hold more when you use shelves, dinner plate organizers, pan […]

20 Ways to Organize Your Car

written by Dawn | Saving Money

There are so many tips and tricks to help keep your car organized – check out a few of my favorite car organizing accessories!  You can find them all on Amazon for under $25! Backseat/Trunk Organizer From Amazon.com Car Organizer From Amazon.com Travel Trashcan From Amazon.com Backseat Kids Toy Organizer From Amazon.com All moms know […]

Swagbucks Review (+6 Great Ways I Made Money With It)

written by Bob Lotich, CEPF® | Making Money

6 ways to make money with Swagbucks

Swagbucks is a site that allows you to earn cash/rewards in a variety of ways. I’ve used them off and on over the last few years, and am now just getting around to writing a thorough review of them.

The 3 No-brainer Investments That Should Come First

written by Kevin Mercadante | Investing

3 no-brainer investments that should come first

Many investors are more than a bit intimidated when it comes to getting started. They mistakenly assume that investing needs to be complicated in order to be successful. That belief may even cause them to delay investing, or even to never get on board at all. In truth however, investing can be incredibly simple ”“ […]

3 Ways You Can Become Self-Financing

written by Kevin Mercadante | Managing Money

3 ways to become self-financing

Millions of people are on a debt treadmill. It starts the first time you swipe a credit card to cover a shortfall in your budget. Do that enough times, and before long you’re working to pay credit cards and other forms of debt.

Don’t file an insurance claim until you read this

written by Joe | Managing Money

Our daughter Jaime called to tell us, through angry tears, that she learned from her mortgage company that her homeowner’s insurance policy had been cancelled.

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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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