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The 5 best Dave Ramsey quotes

written by Bob Lotich, CEPF® | Saving Money

best dave ramsey quotes

I live in the same hometown as Dave Ramsey, and it seems like every other person I meet here works for Ramsey Solutions. But my admiration goes beyond my proximity to his home office. I’ve read his books, watched several of his videos, and even gone through his transformative course, Financial Peace University. Dave has […]

Should You Invest When You’re in Debt?

written by Bob Lotich, CEPF® | Saving Money

This question came from a reader the other day. He said: “I just watched your recent investing videos. What are your thoughts about investing while in debt? We’ve been going crazy paying off our debt, which has been great, but then I see other things that make me wonder if I’m missing out on some […]

How we saved 75% off our vacation this year

written by Bob Lotich, CEPF® | Saving Money

vacation rentals

I wrote this article article a few years ago, but it has been updated for 2019. This February I took off for what we called a bit of a sabbatical rather than a vacation. But either way, it was great. We rented a condo on the beach and it was SO much cheaper than the […]

8 Practical Ways to Love God More Than Money

written by Joe | Saving Money

8 ways to love GOD more than money

I write this article as much to myself as to you: I fully realize how money will persistently and insidiously seek to capture a bigger and bigger portion of my heart and my life. I also know that drifting through life doesn’t work because I seldom drift closer to God.

19 Proverbs about money

written by Bob Lotich, CEPF® | Biblical Personal Finance

19 Proverbs about Money in the Bible

I still remember the first time I read through the book of Proverbs and I was fascinated that there were so many proverbs about money. The book is full of so much amazing wisdom and thankfully for us all, the Bible says a lot about money. So this isn’t all of the money proverbs, but […]

What Jesus said about money

written by Bob Lotich, CEPF® | Biblical Personal Finance

Through the written word, Jesus has given us a lot of instructions regarding how to manage our money. Money can be a touchy subject for many. However, it is an important area to consider. This is why Jesus made sure to talk about it a lot. Out of all the things Christ shared about money, […]

Why You Need a Financial Fast

written by Tim | Saving Money

Why you Need a Financial Fast

The Bible doesn’t limit fasting only to food and drinks. Anything that can be given up temporarily so that we can focus our full attention on God can be viewed as a fast.

My Top 10 Christmas Gift Ideas (for those who have everything)

written by Bob Lotich, CEPF® | Saving Money

gift ideas for minimalists

I took all your gift ideas and consolidate them to come up with a top 10 list of the most popular gift ideas for 2011 as chosen by you!

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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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