Different Decisions = Different Results by Steve Repak


Who couldn’t use some extra money?  I know I could.  Something else I know is that people who have money earn interest on theirs, instead of paying interest to someone else.  If you are ready for some different results and want to start earning interest on some of your money, try applying these tips so you can spend less and save more.

  1. Eliminate cable or at least reduce the number of channels to which you subscribe
  2. Sell items you no longer use on Craigslist, EBay, or at a yard sale
  3. Only drink water at lunch and dinner and never order dessert
  4. If you have a cell phone, get rid of your home phone
  5. Pack your lunches and snacks instead of eating out or using the vending machine
  6. Turn the thermostat down in the winter and up in the summer
  7. Exchange your smart phone for a TracFone
  8. Bargain shop for clothes, food and household items
  9. Sell your plasma
  10. Make a list and make sure you eat before going grocery shopping
  11. Pay yourself before paying anyone else (if you bank online set it up as an automatic bill)
  12. Check out movies from the library instead of renting or ordering on-demand
  13. Sell your jewelry that you seldom or never wear
  14. Choose generic/store brand over brand name
  15. Spend time helping others instead of spending money on things that can’t love you back

Insanity is doing the same thing over and over again and expecting different results. There are many ways that you can spend less and save more but the most important lesson is that you have to start making different decisions when it comes to your money.  If you do that, you will start getting different results.


Repak 4-14-1 (1)Steve Repak, CFP®, is an Army veteran, transformational speaker and consultant. Steve was selected the 1995 Fort Bliss, Texas Non Commissioned Officer of the Year and graduated Summa Cum Laude with a Bachelor of Science in Management Communications from Amridge University. He now works for himself as a successful Certified Financial Planner™ in Charlotte, North Carolina, where he lives with his wife and three children. For more information, visit www.steverepak.com.



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The Life of a Single Mom (TLSM) is a 501c3 nonprofit that exists to serve single parents and those who work with single parents. We are fully accredited through a variety of organizations that include high levels of financial accountability and awards for our premiere financial stewardship, including GuideStar, Evangelical Council of Financial Accountability, Great Nonprofits, Chamber of Commerce, LANO, and others. 

2016-10-17T16:12:28+00:00April 7th, 2014|Steve Repak|5 Comments


  1. Laura Connell April 7, 2014 at 4:45 am - Reply

    #12 is one I had not thought about and #15 most important!

  2. Heather April 9, 2014 at 9:56 pm - Reply

    Wow!! These suggestions are for idiots! And I love that these suggestions are from NOT a single mother! OK.. Let me go throw his check list : Jewelry- don’t have any, Plasma- nope don’t own one, Cable-haven’t had cable in years (as in 7), Smart/cell phone-got rid of it and only have a land line, Shop for clothes- what’s that I have one bra with multiple holes and buy RIT dye to keep by Wal-Mart dress pants in tip top shape, On demand movies-yep refer back to the fact that I haven’t had cable in a very long time. I think I have identified where I have been going wrong I don’t always eat before grocery shopping and sometimes I don’t drink enough water and order way to much dessert at the restaurants I never have the opportunity to eat out at… Now that my passive aggressive rant is complete I must say this gentleman’s list of helpful hints are insensitive at best! I am a professional, I work a least 40 hours a week and parent a 16 year old and 13 year old without the luxury of any kind of support system, Their father who has a masters degree contributes $300 a month which had to be enforced through his employer 3 years ago, after racking up 10,000 in arrears. You may wonder why he only has to pay $300 a month with a masters degree and a good job.. Well it was my idea because after going into debt to fight the custody battle for a year, I stated I would be willing to deviate from the child support formula and except $300.00 a month if we could agree and end the case that day and ten seconds later we had a deal. I will end with responding to the last “tip” … As a nurse my days are spent pouring into other peoples lives and my evenings/weekends are spent helping with homework,laundry,making dinner,etc.. I don’t shop,date or socialize. That list of tips is insulting and infers single mothers are ignorant and lack common sense!

    • TLSMSTAFF April 10, 2014 at 11:54 am - Reply

      Hi Heather, thanks so much for your feedback. While not a single parent, Steve Repak is a nationally-recognized financial expert who has helped thousands with their debt-load, including walking through unraveling his own extreme debt load years ago. We are certain his intention was not to be condescending or insensitive, but rather to offer suggestions that some single moms may find helpful. Our goal at The Life of a Single Mom Ministries is to cater to single mothers from a variety of backgrounds and socio-economic statuses, including articles, tips, feedback, and books throughout the year. While this article may not speak directly to your needs at this time, we appreciate again your feedback and hope you will continue to peruse the articles that we offer throughout the year. Blessings, TLSM Staff.

  3. Jennifer April 12, 2014 at 7:32 am - Reply

    As a college student I sold my plasma, and that was long before plasma tv. I am assuming he is not refering to selling your tv here. 🙂

  4. Stacey Schmidt April 12, 2014 at 2:16 pm - Reply

    Feeling pretty good. Im right on track. Now if I could find away to generate more income without abandoning my kids to raise themselves we’d be set.

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