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Pinterest

10 Things Every Parent Should Tell Their Kids (and Themselves)

written by Kevin Mercadante | Saving Money

These are 10 important things we should be telling our children - and even ourselves

Because the world encourages us to seek success so diligently, we almost need to have an entirely different mindset in order to find happiness. Along that line, here are several things every parent should tell their kids — and themselves — about how to find true happiness in life — even if financial success never comes your way.

How Cars Affect your Financial Freedom

written by Bob Lotich, CEPF® | Debt Help, Saving Money

How your car dramatically affects your financial freedom...

I had a revelation about cars that has caused me to not really care what mine looks like. It’s not that I don’t want a really fast car, it is just that there is something I want a bit more: financial freedom.

7 Reasons You Should Review Your Life Insurance Policy

written by Jason Topp CFP®, CRPC® | Managing Money, Saving Money

7 Reasons You Should Review Your Life Insurance policy

Figuring that you never have to review your insurance needs is one of the most common misconceptions about life insurance! But, if you don’t review your plan annually — or, for that matter, don’t have a financial plan — here are some guidelines to know when you should review your life insurance.

How to finally get started with your business idea

written by Bob Lotich, CEPF® | Entrepreneurship

Have you been dreaming of starting a business? Check this out to get a little help to finally get it started!

I remember sitting in my cubicle, with cloth walls surrounding me – or should I say caving in on me – with the sterile glow of a fluorescent light above my head. I had to stand up and look 50 yards in either direction just to catch a glimpse of sunlight. I still remember the […]

How to become richer than Rockefeller

written by Bob Lotich, CEPF® | Biblical Personal Finance

What you can do today to become richer than John D Rockefeller

So if we think of “wealth” in terms of amenities and luxuries rather than the number on our bank statement, I would say we are doing pretty good.

How To Use Evernote: 21 Creative Uses

written by Jonathan | Productivity, Simplify

21 creative uses for #Evernote

Evernote is free desktop download that works like a large reference file. I like to call it my “external brain.” What is great about this application is that you can store documents, photos, and webpages all in the same place. Everything is keyword searchable. What is really cool is that any text that appears in your photos is also keyword searchable inside Evernote. If you are new to Evernote, here is a list of 21 ways how you can use Evernote to get you better organized this year:

Dear Friend/MLM Member: Please Don’t Do This

written by Bob Lotich, CEPF® | Entrepreneurship

Dear Friend/MLM Member: Please Don’t Do This... https://seedtime.com/dear-friend-mlm/

For the purposes of the article, I am defining Multi-level Marketing as any business that has a downline. Meaning members earn a percentage of the earnings of those they recruit.  I currently have family members in MLMs, some friends in MLMs, have been recruited by Primerica and many others, and my wife even sold Stella and […]

My New Favorite Money-Saving Strategy That You Aren’t Using

written by Bob Lotich, CEPF® | Saving Money

My newest money-saving strategy that you probably aren't using

I just love finding new ways to save money.  It is kind of an addiction really. 😉  And after spending years being a guinea pig with a lot of money-saving tips I created this 3-step process I used to help me save over 50% on almost all of my purchases. So today I just want […]

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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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