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Self Improvement

The 10 most common new year’s resolutions – is yours on here?

written by Bob Lotich, CEPF® | Debt Help, Productivity, Simplify

10 most common new years resolutions

I did some researching to find out the 10 most common new year resolutions – these are them! I am not much of a supporter of new year resolutions, I don’t like waiting around for a specific date to make positive life changes. That said, I guess some people don’t really think about making positive life changes until the new year rolls around…

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.

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.

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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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