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ways to save money

How to Raise a Child on Less Than $266,698

written by Joe | Managing Money, Saving Money

how to raise a child for less than a quarter million dollars (which is what they say the average cost is from birth to adulthood)

How much does it cost to raise a child these days? According to Baby Center web site, the cost of raising a child from baby to adulthood is $266,698. Now that you have pulled yourself up off the floor, I want to assure you that it is OK to bring babies into the world even […]

Saving on your home energy bill – 22 ways

written by Bob Lotich, CEPF® | Saving Money

22 ways to save money on your home energy bills

I am getting ready to embark on an all out battle against our energy bills and I know the next couple months are going to be tough. It’s been a cold December, but January and February are always a bit more intense. But after doing some homework, I found a bunch of simple things that we can do to lower our bills this winter. Even though I should have done this 2 months ago, I am going to basically treat this as my checklist of things to do to over the next couple weeks…

Free and Legal TV and Movies online

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

I was going to name it something like “where to find free TV and Movies online,” but changed it to make sure I added “legal” in there. It turns out that a whole lot of what I was finding wasn’t legal. I saw a link on one site to “Marley and Me” and I thought to myself, “isn’t that still in the theaters?” Sure enough I was right, as the video started, I noticed that I could actually see the theater seats in the recording. I guess someone recorded it directly from the theater – I am going to assume that isn’t legal. 🙂

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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.

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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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