Sunday

Alma 60:36 Behold, I am Moroni, your chief captain. I seek not for power, but to pull it down. I seek not for honor of the world, but for the glory of my God, and the freedom and welfare of my country. And thus I close mine epistle.

Money Monday

Use A Budget

This weeks post is also based of the All Is Safely Gathered In: Family Finances pamphlet.

"Keep a record of your expenditures. Record and review monthly income and expenses. Determine how to reduce what you spend for nonessentials. "

This is the council we have been given. The LDS website also provides a budget worksheet to help you follow this council.

Need more ideas on how to create and use a budget? Here are some previous post. Here, here, and here.

“I have discovered that there is no way that you can ever earn more than you can spend. I am convinced that it is not the amount of money an individual earns that brings peace of mind as much as it is having control of his money. Money can be an obedient servant but a harsh taskmaster. Those who structure their standard of living to allow a little surplus, control their circumstances. Those who spend a little more than they earn are controlled by their circumstances. They are in bondage. President Heber J. Grant once said: ‘If there is any one thing that will bring peace and contentment into the human heart, and into the family, it is to live within our means. And if there is any one thing that is grinding and discouraging and disheartening, it is to have debts and obligations that one cannot meet’ (Gospel Standards, sel. G. Homer Durham [1941], 111).

“The key to spending less than we earn is simple—it is called discipline. Whether early in life or late, we must all eventually learn to discipline ourselves, our appetites, and our economic desires. How blessed is he who learns to spend less than he earns and puts something away for a rainy day” (see Conference Report, Oct. 1979, 119; or Ensign, Nov. 1979, 81).

Sunday

Finding Strength in Challenging Times!

Elder Allan F. Packer Of the Seventy

Here are my favorite quotes from this talk. The bolds are mine. Please click on the link in the title to read the whole talk.

"When I was a young man in high school, one of my passions was American football. I played middle linebacker. The coach worked the team hard, teaching us the basics. We practiced until the skills became natural and automatic. During one play against our biggest rival, I had an experience that has helped me over the years. We were on defense. I knew my assigned opponent, and as the play unfolded, he moved to my right into the line of scrimmage. There was a lot of noise from players and fans. I reacted as the coach had taught us and followed my man into the line, not knowing if he had the ball. To my surprise, I felt the ball partially in my hands. I gave it a tug, but my opponent didn’t let go. As we tugged back and forth, amid all the noise I heard a voice yelling, “Packer, tackle him!” That was enough to bring me to my senses, so I dropped him on the spot.
I have wondered how I heard that voice above all the other noise. I had become acquainted with the voice of the coach during the practices, and I had learned to trust it. I knew that what he taught worked."

"We need to be acquainted with the promptings of the Holy Ghost, and we need to practice and apply gospel teachings until they become natural and automatic. These promptings become the foundation of our testimonies. Then our testimonies will keep us happy and safe in troubled times."

What I learned from this:

As we learn to recognize the promptings of the Holy Ghost we will be able to make better choices. We will be comforted in our times of trial, and we will be able to more fully feel our Saviors love. As we listen to and obey these promptings we will feel our testimonies grow and be better prepared to deal with those hardships to come. No one can take away our testimonies. Not our employer, our bank, the government, or our enemies. It is ours and only ours. It is our responsibility to make it grow. We can not borrow from someone-else, and we can not loan ours out. It is worth our time and effort to fortify it so we may recognise the 'voice' above the noise of the world and follow our Prophet and leaders on the path that leads to true happiness.

I will continue with Elder Packer's talk next week.

Money Monday

Avoid Debt

Elder Joseph B. Wirthlin taught: “All too often a family's spending is governed more by their yearning than by their earning. They somehow believe that their life will be better if they surround themselves with an abundance of things. All too often all they are left with is avoidable anxiety and distress” ("Earthly Debts, Heavenly Debts," Ensign, May 2004, 42).

In the All Is Safely Gathered In: Family Finances pamphlet it says, "Spending less money than you make is essential to your financial security. Avoid debt, with the exception of buying a modest home or paying for education or other vital needs. If you are in debt, pay it off as quickly as possible."

On the LDS website you can also find debt reduction tools such as a debt-elimination calculator and a family budget worksheet. Both of these tools are beneficial to becoming and staying debt free. Here is a debt calculator that can help you understand the interest you pay and help you calculate how and when you can bee debt free.

"Look to the condition of your finances. Discipline yourself in your purchases, avoiding debt to the extent you can. In most cases, you can avoid debt by managing your resources wisely. If you do incur debt, such as a reasonable amount in order to purchase a modest home or complete your education, work to repay it as quickly as possible and free yourself from bondage. When you have paid your debts and accumulated some savings, you will be prepared for financial storms that may come your way. You will have shelter for your family and peace in your heart" (49).
—See True to the Faith (2004), 48–49

Money Monday

Pay Tithes and Offerings

Malachi 3:10 Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it.

Isaiah 58:6 Is not this the fast that I have chosen? to loose the bands of wickedness, to undo the heavy burdens, and to let the oppressed go free, and that ye break every yoke?

Matthew 17:14 ¶ And when they were come to the multitude, there came to him a certain man, kneeling down to him, and saying,

15 Lord, have mercy on my son: for he is lunatick, and sore vexed: for ofttimes he falleth into the fire, and oft into the water.

16 And I brought him to thy disciples, and they could not cure him.

17 Then Jesus answered and said, O faithless and perverse generation, how long shall I be with you? how long shall I suffer you? bring him hither to me.

18 And Jesus rebuked the devil; and he departed out of him: and the child was cured from that very hour.

19 Then came the disciples to Jesus apart, and said, Why could not we cast him out?

20 And Jesus said unto them, Because of your unbelief: for verily I say unto you, If ye have faith as a grain of mustard seed, ye shall say unto this mountain, Remove hence to yonder place; and it shall remove; and nothing shall be impossible unto you.

21 Howbeit this kind goeth not out but by prayer and fasting.