Money Exceptions to the Rule

As I get my presentation ready for The Life of a Single Mom’s National Conference, I know I have only 30 minutes to share as much as I can and make it relevant and applicable for single moms from all walks of life.  Moms in their 20s, their 30s, their 40s, who may only have 1 child or possibly several children.  Moms that may have credit card debt or have no debt, moms that may have great jobs that are paying them well and moms that may be working three different jobs and are barely able to put food on the table. 

I have said many times that one size doesn’t fit all, especially when it comes to counseling people with regard to money, but there are always exceptions to the rules.  These three rules are the exception to the rule.

[inlinetweet prefix=”” tweeter=”@TLSMministries” suffix=””]Rule #1 – It’s not what you know, it’s what you do that is important[/inlinetweet]

James 4:17 NLT “Remember, it is sin to know what you ought to do and then not do it.”

If you know that credit card debt is harmful to your financial health, then don’t use your credit cards.  If you know you need to start spending less, then start tracking where you are spending your money so you can decide what you can live without or at least cut back on.  If you know you need to start saving for unexpected emergencies and longer term goals, then open an account and start putting money into it. 

[inlinetweet prefix=”@SteveRepak” tweeter=”@TLSMministries” suffix=””]Rule #2 – Only when we challenge ourselves to become better, can we become better[/inlinetweet]

Philippians 3:12-14 “Not that I have already obtained all this or have already arrived at my goal, but I press on to take hold of that for which Christ Jesus took hold of me. Brothers and sisters, I do not consider myself yet to have taken hold of it.  But one thing I do: Forgetting what is behind and straining toward what is ahead.”

We all can become complacent after a while.  We fall back into the same bad habits, get into ruts and routines, back track and back pedal.  Keep in mind that if we are not moving forward, we are going backwards and if we want to be all that God has created us to be, we must continue to challenge ourselves each and every day.  That means, whatever you have cut in your spending, find other areas in your spending you can even cut out more.  However much of your money and time you have been giving to the Church, challenge yourself to give a little more.

[inlinetweet prefix=”@SteveRepak” tweeter=”@TLSMministries” suffix=””]Rule #3 – An accountability partner can greatly increase your success with Rule #1 and Rule #2[/inlinetweet]

1 Thessalonians 5:11 “Therefore encourage one another and build one another up, just as you are doing.”


Even the best athletes in the world have coaches!  No matter if you want to become a better parent, more efficient with your job, be better with money, or get into shape physically, mentally and spiritually, an accountability partner can give you that edge to help you become successful with any goal you set for yourself!



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Steve Repak, CFP® is a Financial Literacy Speaker, Army veteran, and author of 6 Week Money Challenge: For Your Personal Finances (January 2016) and Dollars & Uncommon Sense: Basic Training For Your Money (January 2012).  Steve has helped many people turn their finances around with his inspiring financial literacy presentations and one-on-one financial coaching.For more information about Steve, his books or if you would like him to speak at your or next event visit



The Life of a Single Mom logo

The Life of a Single Mom is a national, faith-based, nonprofit that exists to see that no single mom walks alone. To date, we have worked with more than 1,500 churches & community groups to start or improve a single mom’s support group in cities throughout the U.S. and beyond. We have a large array of books, curriculum, training materials, and online instructional videos to support ministry leaders who lead single moms. Our single mom programs focus on empowering single moms to grow spiritually, emotionally, financially, and parentally through a number of projects including: Single Mom University, Single Moms Across America, the National TLSM Single Moms Conference, and a variety of programs throughout the U.S. For more information, visit