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6 Things You Can Buy That Will Pay for Themselves in a Year

written by Bob Lotich, CEPF® | Saving Money

6 things you can buy that will pay for themselves in a year

I must say that I really get a kick out of doing little things that will pay big dividends. So each of these 6 items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that, you can run out and buy everything mentioned here and actually be richer in a year! Yes you are welcome!

How to use Dave Ramsey’s Envelope System [and 4 Envelope System Wallets]

written by Guest | Budgeting

how to use Dave Ramsey's envelope system to budget... https://seedtime.com/how-to-use-dave-ramseys-envelope-system-to-budget/

I have noticed that since I’ve started using the envelope system, I’m spending about $60 less per two-week period than when I used a debit card. I think it’s because when I lay three $20s down for groceries, it hurts! When I paid with debit, it didn’t really register with me. –My Total Money Makeover […]

10 Ways To Make Money For Teenagers This Summer

written by Craig Ford | Making Money

10 Summer Job Ideas for Budding Teen Entrepreneurs

Before dropping off your first application for a summer job, you should first first stop and define what the perfect summer job looks like. Some teens would love to spend the summer working at a camp, and others would be content setting up their own business. Here are a few fun summer job ideas and ways to make sure you define what you are looking for before you begin your search…

5 Reasons to Put Your Retirement Plans Ahead of Your Children’s College

written by Joe | Career & Work, Managing Money

5 reasons why you should put your retirement savings ahead of paying for your kid's college tuition

I recently spoke with a single mom who was planning to mortgage her paid for house in order to ease her children’s college burdens. Her logic? “I just can’t let them accumulate all of those student loans. What kind of a mother would?”

Fun & Easy Way To Memorize Bible Verses (Step-By-Step)

written by Tim | Biblical Personal Finance

How I memorized 500 Bible verses - and it really is easy!

In my high school years, I gave up sports for a different activity — Bible Quiz. For those who have never heard of Bible Quiz, it’s an activity in the AG churches that brings together youth to quiz them on different books of the Bible each year. Yes, it sounds dorky, but we ended up memorizing over 2,000 verses that sharpened our minds and strengthened our faith!

25+ Free Things You Never Knew You Could Get For Free

written by Dawn | Saving Money

25 Free Things You Never Knew You Could Get for Free

Have you ever searched for what you can get for free? I’m not talking about anything unsubstantial. What if I told you, that you could get something of more value for free? Well you can! Just recently I had been on a quest of sorts to find what I can get for free.  I was […]

25 Famous Bible Verses (Top Scriptures On Love, Strength, Hope & More)

written by Bob Lotich, CEPF® | Biblical Personal Finance

25 Famous Bible Verses Top Scriptures On Love, Strength, Hope & More

It is difficult to make a list of the best Bible verses – I mean they are all great – right? But, I decided to compile a list of the most famous Bible verses and here they are…

10 Encouraging Bible Verses & Uplifting Scriptures [FREE PDF]

written by Bob Lotich, CEPF® | Biblical Personal Finance, Popular

Everyone needs a bit of encouragement from time to time. Thankfully we have the Bible as our ultimate source of encouragement! Check out these 10 bible verses and be encouraged about how faithful our God is!

Everyone needs a bit of encouragement from time to time. Thankfully, the Bible is full of encouraging verses! Even in the midst of the “financial crisis” that we are in the middle of, we can remain hopeful and encouraged if we keep trusting in God. I have found that the key is to finding specific Bible verses and meditating on them. According to the Word, this is how faith comes. The more we soak up the truth of God’s Word, the more assured we become that He really is going to take care of us!

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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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