• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

  • About
    • About us
    • Why SeedTime?
    • Our Beliefs
    • The Story of SeedTime
  • Podcast
  • Free Book
    • Get your 1st copy free (+S&H)
    • Order multiple copies here
  • Programs
    • Login
    • Mission-Driven Millionaire
    • True Financial Freedom
    • The Real Money Method (unbudgeting) course
    • The 10x Investing course
  • Churches
  • Blog
    • The 14 Financial Tools We Actually Use
    • Our strategy for giving away millions
    • 5 Bible Verses You Should Know (Free PDF)
    • 25 Ways to Save Money
    • Why we began giving our age as a percentage
    • My Checklist To Financial Freedom (Free PDF)
    • Tithing: an honest look and what we do
    • Why I took a Sabbatical YEAR (and how I did it)
    • How to travel for FREE [161 hotel nights and 103 flights all free]
    • 4 Financial Lessons from Solomon: The Richest Man Ever
    • How to become a millionaire by turning $2k into $1 mil
    • How to get out of credit card debt (Free PDF)
    • How I made $2,145 Last Month by decluttering
    • How I Broke Free From the Rat Race (in less than 2 years)
    • We just checked off the biggest goal in our life
    • Our Honest Medi-Share Review after 14 years
    • 4 Money Habits To Start (that basically guarantee financial success)
  • Email

Save Money Tips

How to save $1000 (in 1-3 months)

written by Bob Lotich, CEPF® | Saving Money

save 1000 challenge

Maybe you had an emergency come up and you realize you need to save $1,000 this month. Or maybe you are wanting to save a $1,000 emergency fund as soon as possible. Or maybe your friends just invited you on a trip and need some cash to join them. Whatever your reason for wanting to […]

How To Find The Best Price For All The Stuff You Buy

written by Bob Lotich, CEPF® | Saving Money

Finding the best everything you're shopping for

(The following is an abbreviated transcription from a video Linda & I recorded. Please excuse any typos or errors.) Today we’re talking about how to find the best price for things. This actually comes from a listener question, which I will read.  “When you’re talking about how quick and easy it is to find the […]

How to calculate your real hourly wage

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

Ways to save money

I am currently reading Your Money or Your Life — which is a great book by the way. And I won’t turn this article into a review of the book since I haven’t finished it yet, but one of the things that I found very valuable the other day was calculating your real hourly wage. It’s not as simple as saying, “I make $400 a week and work 40 hours, therefore I make $10/hr.” When you factor in all the additional expenses of having your job (which some may not be obvious) that you could avoid if you didn’t have that particular job, you begin to see the value in this calculation.

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 Amazon Savings Hacks

written by Bob Lotich, CEPF® | Saving Money

amazon savings

My frequent Amazon purchases had me wondering, “How can I save money when shopping on Amazon?” So, I have put together my top 8 Amazon savings strategies that I have found to be quite useful in saving money. And, I know these hacks will save you some money too! If you would need any further […]

20 Frugal Date Ideas for Valentine’s Day

written by Bob Lotich, CEPF® | Saving Money

20 frugal date ideas for Valentines day - and even for after V-day!

Since these days so many people are looking for cheap date ideas that are actually fun, I decided to create a little list of a few…

9 Homemade Christmas Gifts That Might Actually Get Used

written by Bob Lotich, CEPF® | Saving Money

9 homemade christmas gifts that will actually get used

Let’s be honest, we have all received some homemade Christmas gifts that never saw the light of day again – sometimes they are well intentioned and so we might not care that our peppermint-scented ruler holder won’t get too much use. The thought and love behind it makes up for it’s lack of usefulness…

How to get textbooks for free

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

A simple method you can use to get your college textbooks for free!

This was a trick I discovered late in college, that I wish I would have known about earlier, it could have saved me thousands over my college years. It shouldn’t take more than a hour and could save you hundreds each semester.

  • Go to page 1
  • Go to page 2
  • Go to page 3
  • Go to page 4
  • Go to Next Page »

Primary Sidebar

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.

Footer



SeedTime is a 2x Plutus award winning website.
seedtime money logo



SeedTime BBB Business Review
seedtime instagram seedtime money youtube channel seedtime money twitter with Bob Lotich


Our book Simple Money, Rich Life was named 2022 book of the year!
  • Home
  • About
  • Beliefs
  • Blog
  • Courses
  • Shop
  • For Churches
  • Press
  • Affiliates
  • Login

Privacy Policy | Terms | Reviews | Earnings Disclaimer | Contact | 636-344-0438
625 Bakers Bridge Ave Suite 105-134 Franklin, TN 37067
©2007-2025 · SeedTime (Formerly ChristianPF)