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Self Improvement

My Morning Checklist

written by Bob Lotich, CEPF® | Productivity

My morning routine is something that I have been developing over the last couple years and is influenced by countless books, articles, friends, and more. My goal with it is to create as many good habits that will set me up for success in areas of my life as possible. I know from experience that if I don’t create a daily habit out of something (reading the Word, exercising, etc) my frequency of doing it goes WAY down. I suspect it is like this for most others too, but it definitely is for me. “You will never change your life until you change something you do daily.” ”• John C. Maxwell

I’ve had a few readers ask about my morning routine and I thought now would be as good a time as any to share my routine and checklist that I follow each morning. My morning routine is something that I have been developing over the last couple years and is influenced by countless books, articles, […]

Why I Think You Should Set A Goal Today

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

He said rather bluntly, "So, what do you want?". I had thought about a lot of things I didn't want in life. A low-paying job, a job I hated, a dead-end career path were all at the top of my list, but I hadn't really spent much time thinking about things I wanted. He made me. Once I was able to decide on specific things that I wanted in life (particularly in the next 5 years), he had me write them down. This list is what became my 5-year goals

Have you ever wondered how setting a goal and following God’s will can co-exist? After all, what is the point setting a goal that isn’t what God is wanting for us?

The $6 tip that made me rethink my approach

written by Bob Lotich, CEPF® | Biblical Personal Finance

The $6 tip that made me rethink my approach to giving and generosity

Last weekend I decided to take Linda on a mother’s day trip to Nashville for the weekend. She has proved to be an awesome mother to our baby boy for the last 15 months and she deserved a little trip away. On the morning we were set to come back home, we began packing up. […]

What’s Your Financial Personality?

written by Tim | Saving Money

What if there was a scale that you could use to classify your financial personality?

Financial and Life Lessons from 40 Years of Marriage

written by Joe | Saving Money

As I bask in the celebration of our recent 40th wedding anniversary, complete with surprise readings from each child, child-in-law and grandchild, I can see some great personal finance applications of the principles Jan and I used raising our four children.

12 Things You Should Stop Doing That Are Stealing Your Joy

written by Kevin Mercadante | Saving Money

These are 12 things you can stop doing today to get more of your JOY back in your life!

Sometimes we’re unhappy, but we don’t know exactly why. Even if our lives seem to be happy and successful on the outside, we may not feel that way deep inside. If you feel that way, it’s likely that there are some things you should stop doing that are stealing your joy. Here are several of them . . . .

What are Treasures In Heaven?

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

what are treasures in heaven

I often think about what Jesus might say regarding the American Dream. Would he want everyone to be a homeowner, everyone to have comfort and the security of a nice economy with nothing to worry about?

10 Places You Can Get a Free Bible

written by Tim | Saving Money

Bible verses about giving

If you want a Bible, you can get a copy for free! Here are 10 places that you can find a free Bible.

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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.

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