SeedTime: Personal Finance & Online Business

A proven path to have more than enough money and finally feel FREE


You already have everything it takes to rewrite your story.
All you need is a simple plan to follow.

I had always dreamed of having FREEDOM in 2 areas:

  • My money: I was a slave and everyone else seemed to have more control of my money than ME!
  • My work: I wanted freedom to do work that I loved (on my terms) and I had worked in jobs I hated long enough.

By the grace of God, I have found that freedom.  I now get to do work I love that allows me to travel whenever and wherever, take off any afternoon I want to play with my son, make more money than I need, and use it to better the lives of others.

If this resonates with you, you are in the right place!

The SeedTime FREEDOM Plan

Master your finances

It’s a travesty that we weren’t taught about managing money in school. But we will teach you everything you should have learned about how to handle your money the right way.

Turn a hobby into cash

There has never been more ways to make money with your hobby in the history of the world. You will be surprised how easy it can be to fire your boss and find work you truly love.

Build and Grow

After making progress on step 1 and 2, you will have more money in order to maximize your future freedom. Use it to pay off debt, save money, and give generously!

Take your 1st step towards freedom

Quit living paycheck-to-paycheck

Join 225,000+ others and take our FREE email course to better manage your money, pay off debt, and save money!

Want to create a blog to make some extra money?

In this short book I share all the steps I took to turn my blog into a full-time income. It will help any beginner (and intermediate blogger) avoid many pitfalls that most bloggers fall into.

Popular Articles

25 ways that you can save money by not being normal

25 Top Ways To Save Money (updated for 2017)

Originally this article started as 16 ways to save money by NOT being normal, but over the years we have written about so many great ways to save money, I thought I would expand on it a bit to create an even larger list of some of the best money saving tips. Now we...
If you are needing to make some cash quickly, here are some ideas to get your brain spinning - and if you have any other money making ideas share them in the comments!

15 Awesome Ways To Make $200 Fast!

I was recently tossing around some ideas to make some quick money. I decided to tap the wisdom of the crowds so I asked some of the PF bloggers around to share what they would do if they had to find a way to come up with $200 in two weeks or less. (If you are looking...
A bunch of free budgeting spreadsheets available to download

10 Free Household Budget Spreadsheets for 2018

A reader recently asked me if I knew of any good and free budgeting spreadsheets. Personally, I love Excel and get a kick out of building spreadsheets, but I know not everyone is as interested in that as I am. 😉 But whether you like to create spreadsheets or just like...
5 Bible verses about money we all should memorize

5 Bible Verses about Money Every Christian Should Know

Let me start by saying that it was difficult to create this list. Think about it, I am trying to pick the best verses from the Bible about a particular topic. Are there really best verses, or are there just those that have impacted us more than others? I tend to think...
I have now been using Medi-Share (the Christian health insurance alternative) for over 4 years and can point out the pros and cons of using them in lieu of health insurance. I won't get into all the details here, but I will say that my family saves hundreds of dollars over traditional health insurance . . .

Our Medi-Share Review: A Christian Health Insurance Alternative

Anyone who isn’t living under a rock knows that healthcare is a hot topic these days.  So if you are in a self-employed situation like myself or just looking to take control of your own health insurance, you may want to consider Medi-Share.   It is the Christian...

7 free printable budgeting worksheets

Budgeting is becoming cool again! It really comes as no surprise that more and more people are starting to budget as the economy tightens up. I have been noticing more people interested in budgeting – which gets me excited! If you have been around here for any...
31 legit home based business ideas for you to make some extra money with

31 Legitimate & Profitable Home Based Business Ideas (for 2017)

With an increasing desire for many to escape the rat race and work from home, many people are trying to start a home-based business. Working from home not only offers independence and freedom but there are also some great home-based business tax deductions as well. As...

70+ Budget Categories (Your Shortcut To Budgeting Success)

In order to have an effective budget, you’re going to need some basic personal budget categories to start. Determining the budget category to use isn’t always easy, especially if you’ve never made a budget before. Start your budget off right . . ....
how to use Dave Ramsey's envelope system to budget... https://christianpf.com/how-to-use-dave-ramseys-envelope-system-to-budget/

How to use Dave Ramsey’s Envelope System [and 4 Envelope System Wallets]

I have noticed that since I’ve started using the envelope system, I’m spending about $60 less per two-week period than when I used a debit card. I think it’s because when I lay three $20s down for groceries, it hurts! When I paid with debit, it...
26 unique ideas to give cash as a gift

26 Fun and Clever Money Gift Ideas And Ways To Give Cash

When it comes time to gifting those in my life, sometimes it can be a bit of a challenge. Have you experienced this issue too? We all have that person in our lives that is hard to buy for. Or, the teen who only wants a pricey gadget. Or, that relative that has...
15 DIY projects to increase your home value

15 DIY Projects to Increase Your Home Value

Your home can serve as a great investment. Not only can a home serve as a place to reside but you can actually make a return on your investment. But, the trick is… how can you make a return on your investment without breaking the bank? Believe it or not, it can...

How I made $2,145 Last Month by decluttering

A few years ago I began a journey towards minimalism.  And not the weird kind where you sleep on the floor and only have one plate and one fork, but a kind where I question all my possessions and get rid of the stuff I don’t need. I had read a few books that...

About 

Bob founded SeedTime in 2007 and the award-winning site has seen over 40 Million visitors since it began. The site is home to 1,000+ articles designed to help you improve your finances and live a life of freedom.

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SeedTime (formerly ChristianPF) is a dedicated to providing money management,
online business, and entrepreneurial advice from a Biblical perspective.

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