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Popular Articles

10 Free Household Budget Spreadsheets

written by Bob Lotich, CEPF® | Saving Money, Budgeting, Managing Money, Popular

Free budgeting spreadsheet

Someone asked me to share my favorite free household or personal budgeting spreadsheets… Each one of these budgeting templates are free… If you use OpenOffice (basically a free version of Microsoft Office)…

How To Start a Money-Making Blog [FREE e-Course]

written by Bob Lotich, CEPF® | Making Money

How to start a website or blog in 10 minutes tips from a pro-blogger making a full-time living blogging!

Since I am now making a full time income from my blog, I decided that I needed to write about how to make money with a blog. This article contains the things I have done over the last 2 years to drastically increase my blog earnings…

How I Broke Free From The Rat Race (in less than 2 years)

written by Bob Lotich, CEPF® | Saving Money, Career & Work, Debt Help, Making Money, Managing Money

A little over a year ago I ventured out into self-employment after spending much of the previous decade in the “Rat Race”. For most of that time I was a glorified pencil-pusher in the corporate abyss of a Fortune 500 company.
Now that I have spent over a year working for myself I can’t imagine doing anything else. For as trapped and held down as I felt before, I feel the opposite extreme of the joy of freedom. Just to be clear, self-employment has it’s own challenges and difficulties, but I honestly think they pale in comparison to what I went through while spinning my wheels in the Rat Race.

Starting an Ebay Business: A Step-by-Step Guide

written by Bob Lotich, CEPF® | Entrepreneurship, Making Money

A while back I did an experiment to see if I could start a profitable Ebay business. This article shows how I did it and what my results were…

4 Simple Ways to Pay Off Your Mortgage Early

written by Joe | Debt Help

Buying a home is a major expense — and a major debt. It’s said it’s the biggest purchase you’ll make in your life. A traditional mortgage loan is repaid over the course of 30 years, but today, some terms call for up to 40 years of repayment. To some, three or four decades seem like an interminable amount of time to take to pay off a debt… These are 4 simple ways to pay off your mortgage early!

I Remember

written by Bob Lotich, CEPF® | Budgeting, Debt Help, Managing Money, Simplify

I Remember...

I remember when I was living off of Kraft Macaroni and Cheese that was purchased on a nearly-maxxed out credit card. I remember the feeling of hopelessness as I watched my financial life spiral out of control before my eyes…

10 Things American Christians Must Do With Their Money

written by Jason Topp CFP®, CRPC® | Biblical Personal Finance

Did you know that the #Bible gives specific instructions on what to do with our money - and this article we address some of those commands that are for all of us American Christians -

Let’s face it. If you live in America, you are rich. Sure, there are exceptions like those who can’t afford food or shelter, but generally speaking, if you compare yourself to others around the world, you are filthy rich…

How To Negotiate With Credit Card Companies (And Stop Wasting Money)

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

how to negotiate credit card rates

A few years ago, when I had over $15,000 of credit card debt, I was often negotiating with credit card companies to get better interest rates. I took a very active approach toward minimizing my interest expense on my debt and learning to negotiate with credit card companies was a key component…

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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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