Bob used his passion for personal finance to launch his award-winning blog,, in 2007.
The site has seen over 20 million visitors since inception and his writing and advice have been featured in
Men's Health Magazine, Forbes, Real Simple Magazine, Yahoo Finance, and many others.

The mission is to make, save, grow, and give money – not necessarily in that order. This is my personal mission and the mission for as well.

To put it simply, I don’t think that God put us on this earth to spend money like we are in a rap video, but to use it wisely, and to communicate His love via giving.

It seems to be our natural tendency to focus on using our money to build our own kingdoms, but the higher and better use would be to focus on building His.

I believe the best purpose for our money is to build God’s Kingdom and help others.

How to fulfill the mission

In order to give money, you obviously have to have money. This is where this site comes in. ChristianPF is a resource for Christians to get practical tips, biblical revelation, and wisdom about how to handle our money.

Whether that means advice, tips, tools, scriptures, or instructions on budgeting, getting out of debt, making some extra cash, investing or anything else, we intend to provide it.

We have books, free courses, and a free email newsletter that will help you on your journey. 

Bottom line, I want to be the best steward of what I have been given, and I want you to be too! With God’s help we can master our finances and become the good stewards that we are called to be. Let’s do it together so we can hear the Master say, “Well done, good and faithful servant.”

Feel free to email me  anytime with stories, suggestions, or tips related to personal finance (or Foosball ;) ). You can also head over to the ChristianPF Facebook Page to chat with other readers about whatever is on your mind.


A little about my story

Well, my name is Bob Lotich. I am a Christian first and someone who is passionate about helping people with their finances second. I had my life changed by God and the next major change in my life was a financial one. I still remember the moment when I realized that I HAD to get my finances in order…

I was 20 years old. I was living in a city where I didn’t know anyone. I had no savings. I had no money left in my checking account. My credit card was $264 from being maxed out (thank God I was not savvy enough to know I could have more than one credit card). My rent was due that day. My car broke down next to a minor league ballpark. I was supposed to pick up two friends from the airport (60 miles away) in about 12 hours. As I was pushing my car to the side of the road I was hoping that the fix would cost less than the $264 I had remaining on my credit card. Sitting in my broken down car, as hundreds drove by staring pulling into the ballpark, I finally realized that I needed help.

I know life like this is an everyday occurrence for some people. But what I realized is that it doesn’t have to be. We are not doomed to how we are currently living – we all can change! I know, because over the last couple years my wife and I have paid off over $46,000 in consumer debts. I have a passion to help people come to this realization and get started on their own journey to financial freedom.

How I have learned so far

I started working in the banking industry during college and worked for 3 years in banking before moving to a financial services firm when I was 21.

Spending 5+ years in various capacities taught me quite a bit about the brokerage industry – good and bad. I have a bachelors in Business Administration and I have a learned a good chunk from my working background. But, like most people who are eager to learn, the bulk of what I have learned thus far is from reading magazines, books, blogs, podcasts, or whatever else I can get my hands on about personal finance, investing, business, personal development, and time management.

Since I am not a financial professional see the Disclaimer for legal information.

I am a life-long learner.

I fully realize that I have merely scratched the surface with learning about personal finance or God. I am passionate about both topics and particularly about how they work together.

I really value the opinions of others and love to hear what others have learned. So, if you ever read anything and think, “man, I completely disagree” or “I couldn’t have written it better myself,” let me know about it! I am always up for a good discussion.

What I believe

  • I believe that anyone can improve their financial situation.
  • I believe that building a solid financial foundation takes time.
  • I believe that it really is a simple process, but the hardest part is just consistently doing the things we know we should do.
  • I believe when you ask God for wisdom, He really does give it.
  • I believe we reap what we sow.
  • I believe giving is one of the best uses of our time, energy, and money.
  • I believe trying to get rich quick is a waste of time.
  • I believe being in debt is not fun and being out of it is liberating!

A few promises from me 

  • I will write about my financial success and failures. There have been a lot of mistakes over the years, so I should always have some stuff to write about!
  • I will write my honest opinions and offer advice to you like you were my friend or little sister.
  • I will tell you what I have done that has worked and what hasn’t.
  • I promise to keep things as simple as possible making them easy for beginners to digest.

How to use this site

If you are just starting beginning to get your financial life in order, I recommend taking our FREE 4-week Getting Started Course.

If you are interested in only a particular topic like saving money, investing, making money, or getting out of debt you can BROWSE by topic on the home page or you can use our site search bar at the bottom to find whatever you are looking for.

You will also find additional links at the bottom of the home page to help you navigate the site. 

Frequently Asked Questions


What does the “PF” stand for?

I actually get this one a lot. It stands for “personal finance” and I should have known better when I picked the name. Live and learn I guess. I have since purchased – so you can always type that URL in to get here as well.

I am a mess financially – where should I start?

I suggest taking our Getting Started Course, reading my financial checklist, and Dave Ramsey’s Total Money Makeover.

What is your policy on advertising?

CPF is now my full time job (if you want to read the story behind it read an article I wrote called how to make money with a blog). Simply put, I use advertisements to offset those costs. That said, I always have and will continue to only personally recommend or endorse something if I feel that it would be of value to some of the readers. If I find a product or service that has helped in my financial life I will let you know about it. If a product or tool isn’t worth it I will tell you as well. The purpose of endorsing product or services is for your benefit, not mine. I will tell you about the best products and services that I find regardless of whether I see any benefit from it. Find out more here.

I try to monitor the ads that run on the site. Some are from ad networks where I don’t control which ads are shown. I can however remove them from the rotation if I am aware of them. If you happen to see any that conflict with what you think should be on the site, please let me know so I can have the network exclude them.

If you are interested in advertising at ChristianPF please send me an email at the email address listed at the top of this page. If you are trying to advertise for spammy sites or anything else that will not be of value to the readers, I will not be interested.

Are you on Facebook/Twitter?

Of course, isn’t everyone? You can follow the ChristianPF Facebook Page or the ChristianPF Twitter Page.

Can I get the new articles via email?

Yes, you can have each post sent to your email inbox daily or weekly. Your choice! Just visit our subscribe page to sign up.

Can I submit a guest post?

These days we are no longer accepting guest posts.  But if things change in the future we will let you know.

How can I help support ChristianPF?

If you are interested in supporting the CPF cause, please check out the support page. Oh, and thanks!

Can I reprint some CPF articles?

If you are interested in using any of the articles for your publication, please contact me and we can go from there.