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ways to save money

12 Wedding Ideas to Fit Your Budget

written by Carol | Saving Money

diy ideas to fit your wedding budget

My husband asked me to marry him in November and we planned a February wedding. My younger sister, however, had already been engaged for over a year with a June wedding planned. I was accused of trying to upstage her wedding, steal her guests, and use up Daddy’s money. Of all things, I better not use up Daddy’s money. Whatever your reasons for cutting your wedding expenses, I have the ideas for you.

The art of thrift store shopping

written by Bob Lotich, CEPF® | Saving Money

The art of #thrifting (thrift store shopping)

If you have never gone thrift store shopping, you are missing out on one of the great joys in life! These are my tips for making the most of your thrift store shopping experience…

Should You Get LED Lights to Replace Your Incandescent Bulbs?

written by Bob Lotich, CEPF® | Saving Money

…At first glance that could seem like a ridiculous price to pay for a light bulb. But if you consider the fact that this light bulb is rated for 25,000 hours – which is 23 years if you use it an average of 3 hours a day – this may not be a bad price…

6 Retirement Planning Tips For Middle-Aged Procrastinators

written by Joe | Managing Money

retirement planning tips

My 56 year old friend Colin (fictitious name), recently told me that he plans to retire at age 65 and then kick back and do what he wants. His retirement will include traveling when and where he (and his wife) choose, driving his vehicle of choice and pretty much living the good life…

12 Factors that Affect Your Home Insurance Rates

written by Craig Ford | Managing Money, Saving Money

An important part of any good financial plan is to have a goal for moving forward, and also to have a good defensive financial plan. Of course, insurance is a key component in financial defense. Most importantly, I think that insurance is biblical. Like any sort of shopping, when buying insurance you are looking to get…

Which IRA Should You Invest In?

written by Jason Topp CFP®, CRPC® | Investing

which ira should you invest in

So you’re saving money for retirement, or thinking about opening an account – that’s great! But should you open a Roth IRA or Traditional IRA? The question inevitably comes up – Which Type of IRA Should I Invest In?
It’s a good question, and there are advantages and disadvantages of both the Traditional IRA and the Roth…

Short Term Mission Trips | 17 Ways To Save Money

written by Craig Ford | Saving Money

short term mission trip

There is a high cost associated with missions. Stewardship is about stretching every dollar, gift, and resource we have for the sake of God’s kingdom. One great way to minimize the cost of an overseas mission trip is by saving money on necessary items along the way.

Planning a Wedding on a Budget: 4 Tips for Saving Money

written by Linda | Saving Money

The first way to save money on your wedding is the most important: you have to want to save money. I’ve noticed in the past few years that some things are worth paying for, and some things are not. But just because you don’t pay for something doesn’t mean you can’t get great results (and sometimes better results) by using your creativity. Here are some simple things to do to save money. They all involve creativity, so open your mind and get creative (or call you sister or friend or aunt in the room to help you out)…

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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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