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How to calculate your real hourly wage

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

Ways to save money

I am currently reading Your Money or Your Life — which is a great book by the way. And I won’t turn this article into a review of the book since I haven’t finished it yet, but one of the things that I found very valuable the other day was calculating your real hourly wage. It’s not as simple as saying, “I make $400 a week and work 40 hours, therefore I make $10/hr.” When you factor in all the additional expenses of having your job (which some may not be obvious) that you could avoid if you didn’t have that particular job, you begin to see the value in this calculation.

How To Start a Money-Making Blog [FREE e-Course]

written by Bob Lotich, CEPF® | Making Money

How to start a website or blog in 10 minutes tips from a pro-blogger making a full-time living blogging!

Since I am now making a full time income from my blog, I decided that I needed to write about how to make money with a blog. This article contains the things I have done over the last 2 years to drastically increase my blog earnings…

15 Awesome Ways To Make $200 Fast!

written by Bob Lotich, CEPF® | Making Money

Ways to make money

Want to make money quick? I surveyed 15 finance bloggers to see what the best ways to make quick money were… I asked how they would make a quick $200 (in under 2 weeks) these are their responses…

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.

Starting an Ebay Business: A Step-by-Step Guide

written by Bob Lotich, CEPF® | Entrepreneurship, Making Money

A while back I did an experiment to see if I could start a profitable Ebay business. This article shows how I did it and what my results were…

What the Bible says about Work

written by Bob Lotich, CEPF® | Biblical Personal Finance, Career & Work

What the Bible says about work

Do you know the subject of work is found pretty frequently in the Bible? I wanted to know what the Bible has to say when it comes to work. There are a variety of examples from working together, needing to work, why you should work and more. In my study of scripture, I found several […]

What To Do When You Hate Your Job (4 Keys To A Brighter Future)

written by Bob Lotich, CEPF® | Career & Work, Simplify

These are 4 important things to do when you hate your job…

10 Ways To Make Money For Teenagers This Summer

written by Craig Ford | Making Money

10 Summer Job Ideas for Budding Teen Entrepreneurs

Before dropping off your first application for a summer job, you should first first stop and define what the perfect summer job looks like. Some teens would love to spend the summer working at a camp, and others would be content setting up their own business. Here are a few fun summer job ideas and ways to make sure you define what you are looking for before you begin your search…

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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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