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ways to save money

Our Honest Medi-Share Review after 14 years

written by Bob Lotich, CEPF® | Saving Money

medishare review

My Medi-Share review below was originally written in 2009 when I was investigating them but has been continually updated (now for 2024) as I‘ve been using them for over 10 years.  Hope it helps!   If you are self-employed like me or are just looking for a Christian health insurance alternative, you may just want to […]

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)…

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 […]

25 Top Ways To Save Money (that work fast)

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

Ways to save money

25 ways to save money by not doing what “normal” people do. A lot of money can be saved by thinking “outside the box.”

7 Ways to Go to College for Free

written by Guest | Saving Money

Want to go to #college for free? These are 7 real and legit ways that you could actually do just that -

Tuition. Fees. Books. It all adds up! College can be ridiculously expensive, but it doesn’t have to be. Don’t accept the idea that you’re going to pay an arm and a leg for college. You can go to college for free.

How I Broke Free From The Rat Race (in less than 2 years)

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

A little over a year ago I ventured out into self-employment after spending much of the previous decade in the “Rat Race”. For most of that time I was a glorified pencil-pusher in the corporate abyss of a Fortune 500 company.
Now that I have spent over a year working for myself I can’t imagine doing anything else. For as trapped and held down as I felt before, I feel the opposite extreme of the joy of freedom. Just to be clear, self-employment has it’s own challenges and difficulties, but I honestly think they pale in comparison to what I went through while spinning my wheels in the Rat Race.

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…

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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

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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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