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ways to save money

6 Things You Can Buy That Will Pay for Themselves in a Year

written by Bob Lotich, CEPF® | Saving Money

6 things you can buy that will pay for themselves in a year

I must say that I really get a kick out of doing little things that will pay big dividends. So each of these 6 items offer a little bit of that promise. Put a few bucks in now and save more! What I love about it is that, you can run out and buy everything mentioned here and actually be richer in a year! Yes you are welcome!

10 ways to become poor

written by Bob Lotich, CEPF® | Debt Help, Managing Money, Saving Money

10 ways to become poor

These are some simple ways to become poor… 1. Spend more than you make – Actually if you only do #1, you won’t have to worry about the other 9. This is the easiest way for anyone to become poor. It doesn’t matter if you make millions or hundreds each month, the same principle applies.

New Law on Bank Overdraft Fees & The “Courtesy” Overdraft Protection

written by Bob Lotich, CEPF® | Saving Money

Recently Consumer Reports released an article discussing the new Federal law pertaining to banks and their overdraft services. Not sure if the motivation for the new regulation was customers like the one above, but I think it is probably a good thing.

Believe it or not, that $35 fee that the bank charges you when you overdraw your account is actually a “service” that your bank is offering you. They care so much about your well being that they want you to be able to buy that Snickers bar without being told that you don’t have the money in your account. 😉 And then they charge you $35 when you spend 50 cents more than you have in your account…

Best Financial Books for under $1

written by Bob Lotich, CEPF® | Saving Money

The best financial books that you can get for under a $1

In the case of this article, I picked out five of the best personal finance books out there that you can get for less than a buck. I wouldn’t say that these are necessarily the five best financial books written, but they are all very popular and have proved themselves to be worth something – even if it is only a buck! 😉

Did you know there are Tax Deductions for Volunteer Work?

written by Bob Lotich, CEPF® | Saving Money

Did you know that there are tax deductions for volunteer work?

You can deduct your expenses related to volunteer work. One year when filing my taxes, I used Taxcut rather than one of the free tools I mentioned to get free state tax filing. I should have taken my own advice . . . .

3 Ways to Learn Spanish
Online for Free

written by Guest | Saving Money

Here are 3 simple, #free, and even FUN ways you can start learning to speak #spanish online today!

Spanish is a fantastic language to learn (it’s one of the top spoken languages in the world), but it isn’t always easy. Besides the difficultly of learning a new language, there are cost considerations. Taking Spanish classes at a university or community college certainly costs money — not to mention transportation costs. Thankfully, the internet has made learning a new language convenient and, in some cases, free.

What Is AARP And Is Membership Worth The Cost? (Important Facts)

written by Carol | Debt Help, Saving Money

is an AARP membership worth it? A look at the benefits and why you should just admit that you are now 50 and enjoy the perks!

When my husband started getting membership applications from AARP around his 49th birthday, he was the laughing stock of the family. “Ha, ha, dad,” the kids would jeer. “You’re officially old.” Not wanting to admit his advancing years, he threw the offers in the trash . . . .

Wedding Budgets: Slash Expenses With These 5 Tips!

written by Jon | Budgeting, Saving Money

Watching wedding expenses add up can be frustrating, particularly if you are on a budget in the first place (like me!). Many couples are accruing huge amounts of debt to put on an enormous wedding, charging the maximum on credit cards and even taking out loans to pay for the occasion. This does not have to happen, though.

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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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