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Debt Help

A Biblical formula for paying off debt miraculously fast

August 26, 2023 By Bob Lotich, CEPF®

Today we discuss a biblical formula for paying off debt miraculously fast. While the idea of a biblical formula may seem odd, we explore a passage from 2 Kings 4 that reveals the key to unlocking supernatural financial miracles. Throughout this article, you will be inspired by real-life examples of ordinary people turning their seemingly […]

Filed Under: Debt Help, Biblical Perspective on Money

How to use a no-spend challenge to pay off debt and save (with Frugal Friends)

November 5, 2022 By Bob Lotich, CEPF®

Start a No-Spend Challenge

(The following is an abbreviated transcription from a podcast Linda and I recorded with Frugal Friends Jen Smith and Jill Siriani. Please excuse any typos or errors.) Today we are chatting with Jen Smith and Jill Siriani (hosts of The Frugal Friends podcast). Jen is the author of a best-selling book on Amazon called The […]

Filed Under: How to Manage Money, Debt Help, Save Money

My Checklist To Financial Freedom (PDF)

September 15, 2021 By Bob Lotich, CEPF®

my checklist to financial freedom

I love checklists. Especially when I want to make progress in a particular area but don’t exactly know what steps to take. This is a personal financial checklist that covers many of the steps I have taken over last decade that have helped me move from being a financial mess to having a little bit of an idea of what’s going on.

Filed Under: How to Manage Money, Debt Help, Simplify Tagged With: A, Building Wealth, Christian Finances, Featured Articles, financial goals, Money Lessons, Money Management, Money Tips, no-thumb, Pinterest, Self Improvement, Self Improvement Ideas

Getting out of debt success story: How they paid off over $229K in debt

August 22, 2021 By Bob Lotich, CEPF®

(The following is an abbreviated transcription from a video Linda & I recorded with Mel & Murph Stewart. Please excuse any typos or errors.) Mel and Murph Stewart (of FitNFunds) have an amazing debt payoff success story. Linda and I were so blown away by their accomplishment that we had to share their feat as […]

Filed Under: Debt Help, How to Manage Money, Money Mistakes Tagged With: Debt, paid off debt

How This Couple Paid Off $52k In 7 Months

December 8, 2020 By Bob Lotich, CEPF®

How This Couple Paid Off 52k In 7 Months

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) Today Linda and I are talking with some friends of ours (Chris and Andrea Petrie), whom we met last October, and they have a really cool story that we want to share with you. They paid off […]

Filed Under: Budgeting, Debt Help, How to Manage Money, Money Mistakes Tagged With: Debt, payoff

How to earn $175/month with credit cards (Tax-Free!)

February 11, 2020 By Bob Lotich, CEPF®

earn cashback with credit cards

(The following is a transcription from a video Linda and I recorded. Please excuse any typos or errors.) We had a reader, one of our readers, one of our really smart readers reached out and sent me an email of how she generates $175 a month using her credit cards. She earns less than $500 […]

Filed Under: Budgeting, Debt Help, How to Manage Money Tagged With: Credit Cards

10 Money Tips For Graduates

May 28, 2019 By Craig Ford

10 money tips for graduates

I keep checking my mailbox to get an invitation to speak at a school graduation, but alas, the invitation never came. Therefore, I’m going to share 10 tips I wish I had when I graduated (high school and college). 1. When given the choice to learn from your own mistakes or the mistakes of others . . .

Filed Under: Biblical Perspective on Money, Debt Help, How to Manage Money Tagged With: Biblical Perspective on Money, C, Christian Finances, Debt, Debt Help, Giving, money, Money Lessons, Money Management, Motivation, RePub-Me

Free Debt Snowball Spreadsheet

October 10, 2018 By Bob Lotich, CEPF®

free debt snowball worksheet and calculator

Creating a debt snowball is my preferred method of getting out of debt.  When Linda and I were paying off $46k of debt, we actually didn’t use a debt snowball spreadsheet or worksheet, but looking back I think it really could have helped us.  If you are wanting to pay off debt on your own, […]

Filed Under: Debt Help Tagged With: Asides, B, Debt, Debt Snowball, Excel, no-thumb, Spreadsheet

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Welcome!

Bob Lotich

Hey! I’m Bob Lotich. Jesus follower, husband, dad, best-selling author, CEPF®, and money nerd.

This site contains the lessons I learned on my journey from being a stingy, debt-ridden fool, to being able to give more than I ever dreamed, having a paid off house by age 31, and peace with money in the process. Find out more or join us here.

Simple Money Rich Life

 

Legal Disclaimer

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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