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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)…

35+ Creative DIY Christmas Decorating Ideas

written by Dawn | Saving Money

35 DIY Christmas decorating ideas

Christmas brings the crafter out in me. Not only do I want to bake and make homemade gifts, but I want to decorate! In most homes you will find a Christmas Tree decorated. And, in our home there is no exception! The Christmas Tree is a staple in our home during the Season. Not only […]

Swagbucks Review (+6 Great Ways I Made Money With It)

written by Bob Lotich, CEPF® | Making Money

6 ways to make money with Swagbucks

Swagbucks is a site that allows you to earn cash/rewards in a variety of ways. I’ve used them off and on over the last few years, and am now just getting around to writing a thorough review of them.

The 3 No-brainer Investments That Should Come First

written by Kevin Mercadante | Investing

3 no-brainer investments that should come first

Many investors are more than a bit intimidated when it comes to getting started. They mistakenly assume that investing needs to be complicated in order to be successful. That belief may even cause them to delay investing, or even to never get on board at all. In truth however, investing can be incredibly simple ”“ […]

How Much Do You Need to Retire?

written by Kevin Mercadante | Investing

How much do you need to retire?

This is the most basic question when it comes to retirement planning – how much do you need to retire? You really can’t know if you’re saving enough money for retirement unless you first decide what the target is, and that’s what we’ll show you today. The Biblical view of retirement Interestingly, the Bible is […]

5 Traditional and 5 Non-traditional Ways to Invest Your Money

written by Kevin Mercadante | Investing

traditional and non-traditional ways to invest your money

If you”re new to investing, you”re probably aware that there are literally dozens of asset classes you can invest your money in. To make it easier for you, we”ve selected 10 classes, and broken them down between traditional and nontraditional, with five assets in each category. 5 Traditional Ways to Invest Your Money If you”re […]

Everything you need to know about the Wonderful ROTH IRA

written by Kevin Mercadante | Investing

Everything you need to know about the ROTH IRA...

There are literally dozens of ways to invest your money – and account types to invest them in – but one stands head and shoulders above the rest. The Roth IRA may very well be the single best investment vehicle available. While other retirement plans are tax deferred, Roth IRAs are tax free. Do we […]

Why You May Want to Invest WITHOUT a Financial Advisor

written by Kevin Mercadante | Investing

Why you may NOT want to hire a financial advisor

Many people are perfectly content to not know what’s going on in their investment portfolios. They’re happy to turn the job of investing over to someone else, like a financial advisor, so that they can tend to other things in their lives. And maybe there’s even some comfort in being able to blame someone else […]

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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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