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Self Improvement Ideas

How much money does a Christian need?

written by Bob Lotich, CEPF® | Saving Money

This is a tough question to answer because it is different for every person, but I like to think that the answer for most of us should be “a lot”…

Quit spending (Part 4)

written by Bob Lotich, CEPF® | Saving Money

Getting out of debt part 4…Getting out of debt, creating wealth, living financially free, retiring with cash in hand can all be achieved by following one simple rule: Spend less money than you make.

Open your mind (Part 2)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help

Getting out of Debt Part 2…I have found that when I am challenged by something, I either open my mind to the possibility of it or I don’t. If I do open my mind to it, then I have to count the cost to decide if I want to do it. If so, the last and often easiest step is to just do it.

How to Get Out Of Debt
(Part 1 of 7)

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help, Managing Money

How to get out of debt

Getting out of debt Part 1… If you are like most Christians I have met, you want to be able to give more. You have a good heart and wish you could give more. You really want to be able to bless people and give more to your church. But again, if you are like most that I have met, you are thinking, “it is hard enough just to pay the bills each month, let alone give to others the way I would like to.”

Stress-free productivity: GTD review

written by Bob Lotich, CEPF® | Productivity

t is basically about improving your time management skills and as the title implies, getting things done more efficiently to live a less stressful life. I have read a couple similar books, Seven Habits of Highly Effective People, Zen to Done and a few other generic time-management type books.

Christian Goal Setting

written by Bob Lotich, CEPF® | Biblical Personal Finance

christian goal setting

Should a Christian Set Goals? There seems to be a struggle for Christians in figuring out the appropriate balance between trusting God and waiting on Him and actively doing our part. Trusting in our own abilities to accomplish God’s work is the one extreme while not taking action when we should is the other extreme.

Simplify your Closet

written by Bob Lotich, CEPF® | Simplify

simplify your closet

Tips for simplifying your closet. Most of us have clothes for different occasions. Clothes to lounge around the house in, to be casual, to dress up, to dress up really nice, to run errands in, to work in, to exercise in, to play in the snow in, to do yardwork in, and the list can go on and on. I always had a tendency to think that for each occasion I needed multiple outfits,

Should you give to beggars?

written by Bob Lotich, CEPF® | Biblical Personal Finance

Should you give to beggars?

Obviously, the Bible makes it very clear that we are to give to the poor. There are countless verses to support this. But, it also says in 2 Thessalonians 3:10, “For even when we were with you, we used to give you this order: if anyone is not willing to work, then he is not to eat, either.”

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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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