Sunday, September 14, 2014

Testimonies help us make Daily Decisions

We are busy doing many activities every day!  We make decisions every day!  Some decisions are small and don't really have much affect on our lives.  Some decisions lead us to other choices and other decisions.
What activities did you do this week?  Some of my daily Activities this week—ran freedom run, went to parade, went geo-caching, went to byu dairy, went to bean museum, went up canyon & had a picnic, watched fireworks with family,

What decisions have you made this week?  Some of my decisions—when to get out of bed:  if I should go running:  what to make for picnic:  how to decorate for bridal shower: what to wear to bridal shower:  what to teach for Relief Society:  whether to read scriptures, should I eat this food???

Each decision is based on decisions that were made previously and the consequence that will follow:  Every morning I have to decide if I should go running—things that affect that decision:  want to lose weight, don’t want to put lost weight back on, have a 5K I’m signed up for in about 2 weeks, my daughter & 3 kids are in town and are leaving this morning,

Our decisions we make every day—every minute can have a huge impact on what we will be doing tomorrow and where we’ll be.  Some don’t really matter—but even the littlest decision can change the course we are on—should I go to this movie, should I watch this show, should I be reading this book, should I wear this dress, should I wear this swimming suit, should I hang out with these people….and on and on.

Today’s lesson is about the decisions we make every day and what will help us make better decisions.


This is the story of Robert & Hannah Harris as told by Elder William Walker last conference:  They were converted to the gospel and baptized by Wilford Woodruff in England: 

Having heard the voice of the Shepherd, they fully committed their lives to living the gospel and following the direction of the Lord’s prophet. Responding to the call to gather to Zion, they left behind their home in England, crossed the Atlantic, and gathered with the Saints in Nauvoo, Illinois.
They embraced the gospel with all their hearts. While trying to get established in their new land, they assisted in the building of the Nauvoo Temple by tithing their labor—spending every 10th day working on the construction of the temple.
They were brokenhearted at the news of the death of their beloved prophet, Joseph Smith, and his brother Hyrum. But they carried on! They stayed true to the faith.
When the Saints were persecuted and driven from Nauvoo, Robert and Maria felt greatly blessed to receive their endowments in the temple shortly before they crossed the Mississippi River and headed west. Although they were uncertain of what their future held, they were certain of their faith and their testimonies.
With six children, they slogged through mud as they crossed Iowa on their way west. They built for themselves a lean-to at the side of the Missouri River at what came to be known as Winter Quarters.
These intrepid pioneers were waiting for apostolic direction on how and when they would be heading further west. Everyone’s plans were altered when Brigham Young, the President of the Quorum of the Twelve, issued a call for men to volunteer to serve in the United States Army in what came to be known as the Mormon Battalion.
Robert Harris Jr. was one of over 500 Mormon pioneer men who responded to that call from Brigham Young. He enlisted, even though it meant he would leave behind his pregnant wife and six little children.
Why would he and the other men do such a thing?

Because they were converted—they had a mighty change of heart  (scripture)
(Someone pointed out during the lesson that even though this country did not support them in their religious beliefs, they loved their country and were willing to help it stay strong).


Robert Harris wrote a letter to his wife and stated why he did this:
“My faith is so strong as ever [and when I think of the things that Brigham Young told us], I believe it about the same as if the Great God had told me.”
In short, he knew he was listening to a prophet of God, as did the other men. That is why they did it! They knew they were led by a prophet of God.
Later he continued in his letter and stated:   “We must not forget the things which you and I heard and [experienced] in the Temple of the Lord.”
“My sheep hear my voice, and I know them, and they follow me” (John 10:27).

So not only did they believe in the words of a prophet, but they believed in the things they had learned and experienced in the temple!!  The Decisions they made impacted their entire lives.  They truly heard the voice of the Lord and were willing to follow.

Are we asked to do things that people outside the church might ask:  Why would they do that? 

What are some of those things????
         Marriage in the temple
         Wearing temple garments—night and day
         Dressing modestly—strength of youth pamphlet
         No alcohol—word of wisdom
         No sexual relations before marriage—keep morally clean throughout our lives
         Serve and help others--serve in the church
         Have Honesty & Integrity in ALL our doings
         Use appropriate language—control our emotions & thoughts
         Don’t watch inappropriate movies & other media—stay away from pornography

Why do we do these things?
         Because we have testimonies and are converted to following Jesus Christ and His prophets!

How do we become committed to living the gospel the way Robert and Hannah Harris did?

We have to be converted to the Lord and to His gospel.  When we are truly converted then we will want to do the things that are required of us and we will do them willingly.  

Sheri Dew wrote in her book, Women and the Priesthood:  "Conversion is immersion. Immersion in truth. Immersion in the scriptures. Immersion in the temple. Immersion through fasting, prayer, and time to contemplate the things of heaven. 
We need to think about the Lord more. We need to seek to understand who He is and what He taught. The more we know about the Lord Jesus Christ, the more we will want to know. The more we testify about what we know, the more it will become integral to who we are."
- Sheri Dew

Immersion makes me think of baptism—the act of fully immersing the body in the water.  Completely covered & surrounded by the water.  If we then are immersed in things of God and to the gospel of Jesus Christ—then we are going to surround ourselves with the gospel and the principles of it.  We will completely cover our lives with the life of Jesus Christ.  We do that by attending the temple regularly and by reading the scriptures daily and not just reading but studying and pondering on the principles taught in them.  By fasting and praying—not just going without food on fast Sunday but truly fasting with a purpose and having prayer intertwined with the fasting. And then contemplating or pondering the things that God wants us to do. And DO IT NOW!  (as President Monson has said)

How to gain the testimony necessary:

Alma 32:27: 
But behold, if ye will awake and arouse your faculties, even to an experiment upon my words, and exercise a particle of faith, yea, even if ye can no more than desire to believe, let this desire work in you, even until ye believe in a manner that ye can give place for a portion of my words.

  Alma said we have to have a desire and experiment upon the word—which means we have to read and/or listen to the scriptures and prophets words and then exercise our faith and then let that desire work in us—we’ve got to do something.  Live the principles you are learning about. 

Alma 31:  And now, as the preaching of the word had a great tendency to lead the people to do that which was just—yea, it had had more powerful effect upon the minds of the people than the sword, or anything else, which had happened unto them—therefore Alma thought it was expedient that they should try the virtue of the word of God.

the word of God is going to help us do what is right!

Mosiah 3:19  For the natural man is an enemy to God, and has been from the fall of Adam, and will be, forever and ever, unless he yields to the enticings of the Holy Spirit, and putteth off the natural man and becometh a saint through the atonement of Christ the Lord, and becometh as a child, submissive, meek, humble, patient, full of love, willing to submit to all things which the Lord seeth fit to inflict upon him, even as a child doth submit to his father.

We can’t gain that testimony without yielding to the Holy Ghost
Elder Bednar said in a talk “Converted unto the Lord”:  ….. “a testimony is personal knowledge of spiritual truth obtained by revelation. A testimony is a gift from God and is available to all of His children. Any honest seeker of truth can obtain a testimony by exercising the necessary “particle of faith” in Jesus Christ to “experiment upon” (Alma 32:27) and “try the virtue of the word” (Alma 31:5), to yield “to the enticings of the Holy Spirit” (Mosiah 3:19), and to awaken unto God (see Alma 5:7). Testimony brings increased personal accountability and is a source of purpose, assurance, and joy.”
Read Matthew 7:7 ¶Ask, and it shall be given you; seek, and ye shall find; knock, and it shall be opened unto you:

Moroni 10:4 And when ye shall receive these things, I would exhort you that ye would ask God, the Eternal Father, in the name of Christ, if these things are not true; and if ye shall ask with a sincere heart, with real intent, having faith in Christ, he will manifest the truth of it unto you, by the power of the Holy Ghost.

Elder Bednar:  Seeking for and obtaining a testimony of spiritual truth requires asking, seeking, and knocking (see Matthew 7:73 Nephi 14:7) with a sincere heart, real intent, and faith in the Savior (see Moroni 10:4). Fundamental components of a testimony are knowing that Heavenly Father lives and loves us, that Jesus Christ is our Savior, and that the fulness of the gospel has been restored to the earth in these latter days.”
Elder Robert Hales adds his insight:

Turn to the scriptures. Kneel in prayer. Ask in faith. Listen to the Holy Ghost. Learn that your name and needs are known by our Heavenly Father, just as Joseph’s were. Live the gospel with patience and persistence. And in the name of Jesus Christ, I promise, “If ye will … ask [Heavenly Father] in faith, believing that ye shall receive, with diligence in keeping [the Lord’s] commandments, surely these things shall be made known unto you.” 30

How do we gain a testimony?:  
desire
experiment (do something with that desire-seek for knowledge)
try God’s word (experiment with what you learn)
listen to the Holy Ghost (promptings will come!)
pray to Heavenly Father
obey the commandments
have faith
So not only do we have to pray and seek for conversion but we have to obey his commandments so that the Holy Ghost can dwell with us and testify to us so we have that assurance that what we are doing is God’s will.  As we live God's laws, we will more fully understand them.  It all goes full circle.  seek-live-learn-find answers-seek more etc.
Elder Bednar:  For many of us, conversion is an ongoing process and not a onetime event that results from a powerful or dramatic experience. Line upon line and precept upon precept, gradually and almost imperceptibly, our motives, our thoughts, our words, and our deeds become aligned with the will of God. Conversion unto the Lord requires both persistence and patience.”

Discuss— testimony and conversion take constant effort and work.  This is why we have the “primary answers” pray, read scriptures, obey—over and over—round and round—and when we do these things we are blessed with a change of heart which makes obedience easier and our commitment stronger—and we are blessed with the constant companion of the Holy Ghost and we will receive the personal revelation that we need in our lives as we make important decisions.

When I started working on this lesson I felt the need to talk about the importance of gaining and having a testimony of Jesus Christ.  But as I read Elder Bednar’s talk I realized there is more than just testimony that we need to carry us through this life. 
Elder Bednar said: “Testimony is the beginning of and a prerequisite to continuing conversion. Testimony is a point of departure; it is not an ultimate destination. Strong testimony is the foundation upon which conversion is established.
Testimony alone is not and will not be enough to protect us in the latter-day storm of darkness and evil in which we are living. Testimony is important and necessary but not sufficient to provide the spiritual strength and protection we need. Some members of the Church with testimonies have wavered and fallen away. Their spiritual knowledge and commitment did not measure up to the challenges they faced.”
How does conversion differ from testimony?
         It’s on going—it’s a change of heart—which means we change how we do things
I have a friend that has a testimony but isn’t converted!  She hasn't gone to church for years yet she knows the church is true!  How sad. 
Read Helaman 15:7-8  Find the steps of Conversion:
1.     Believe the scriptures & words of prophets
2.     Faith in Jesus Christ
3.     Repentance
4.     Change of Heart
5.     Firm and Steadfast
Anti-Nephi-Lehies are a great Example of what happens when you are converted:
They believed the things they were taught by Ammon and the Holy Ghost.  They saw God's hand in their lives and they had a might change of heart.  They put away their weapons of war--they quite living unrighteous lives.  

Alma 23:6-8 Read the scriptures….
 6And as sure as the Lord liveth, so sure as many as believed, or as many as were brought to the knowledge of the truth, through the preaching of Ammon and his brethren, according to the spirit of revelation and of prophecy, and the power of God working miracles in them—yea, I say unto you, as the Lord liveth, as many of the Lamanites as believed in their preaching, and were converted unto the Lord, never did fall away.
 For they became a righteous people; they did lay down the weapons of their rebellion, that they did not fight against God any more, neither against any of their brethren.
 Now, these are they who were converted unto the Lord:

How do we fight against God?
         By not obeying him
         By criticizing leaders & the things they say

Read from Elder Holland’s address in April Conference:   (Isaiah 30: 9-11)  Elder Holland is very blunt and forthright.  
It is as the Lord Himself lamented to the prophet Isaiah:
“[These] children … will not hear the law of the Lord:
“[They] say to the seers, See not; and to the prophets, Prophesy not unto us right things, speak unto us smooth things, prophesy deceits:
“Get you out of the way, turn aside out of the path, cause the Holy One of Israel to cease from before us.”10
Sadly enough, my young friends, it is a characteristic of our age that if people want any gods at all, they want them to be gods who do not demand much, comfortable gods, smooth gods who not only don’t rock the boat but don’t even row it, gods who pat us on the head, make us giggle, then tell us to run along and pick marigolds.11
Talk about man creating God in his own image! Sometimes—and this seems the greatest irony of all—these folks invoke the name of Jesus as one who was this kind of “comfortable” God. Really? He who said not only should we not break commandments, but we should not even think about breaking them. And if we do think about breaking them, we have already broken them in our heart. Does that sound like “comfortable” doctrine, easy on the ear and popular down at the village love-in?
Are we guilty of wanting to take the easy road?

What are things we are asked to do that are hard?  (look in For Strength of Youth Pamphlet)
         Dress differently than the world—being modest & not being ashamed of it
         Media—Movies, books, magazines, internet use, music
         Integrity & Honesty
         Wearing the temple garment appropriately
         Sabbath Day Activities
         Sexual Purity
         Tithing
         Tatoos and Piercings

Are we trying to create God in OUR image?   The way we want Him to be?
Or do we have testimonies and conversion in Jesus Christ in such a way that we will make the sacrifice to obey Him completely and with exactness.  Are the little decisions we make every day a reflection of what we believe?


I want to close with the story of Elizabeth Smart.  At the age of 14 Elizabeth Smart was taken from her home at knifepoint while her family slept.  For nine months she was held captive, many of those months in the mountains in walking distance from her home in Salt Lake City.  Two days before she was kidnapped she sat in LDS Sunday School class with all her friends and listened to her teacher.  He said, “If you will pray to do what God wants you to do, He will change your life.”  She felt the spirit and listened even more carefully.  He continued, “If you will lose your life in the service of God, He will direct you.  He will help you.  So I challenge you to do that.  Commit to Heavenly Father and He will guide your way.”  That afternoon she went home and found a quiet place and prayed to her Heavenly Father.  She said “God I’m here.  I’m only 14.  I know I’m just a little girl. But I’ll do whatever it is that you want me to do.  I really do want to serve you.  But I’m not sure that I know how.” 

Two days later when she was kidnapped at knife point she was confused and wondered if this was what God had wanted for her.  This is what she wrote about that:  “It certainly wasn’t.  I know that now.  Being taken captive was not part of some great, eternal plan.  Though it would take a while, the answers to my confusion eventually settled in my mind.  I don’t think what happened to me was something that God intended.  He surely would not have wished the anguish and torment that I was about to go through upon anyone especially upon a child.  But since that time, I have learned an important lesson.  Yes, God can make some good come from evil.  But even He, in all His majesty, won’t make the evil go away.  Men are free.  He won’t control them.  There is wickedness in this world.  When faced with pain and evil, we have to make a choice.  We can choose to be taken by the evil.  Or we can try to embrace the good.”  

Elizabeth Smart goes around the country and speaks to different groups.  Many ask her, How did you survive?  She responds, “the main reason I was able to survive is because of my God, my family, and my community.”
She tells how she relied on her family, horse back riding and playing her harp when she returned home. They were her therapy.  Then she said,  “All of these things have helped me.  But ultimately, to get better, I simply made a choice.  Life is a journey for us all.  We all face trials.  We all have ups and downs.  All of us are human.  But we are also the masters of our fate.  We are the ones who decide how we are going to react to life.”

Elizabeth Smart has a testimony of God and Jesus Christ.  She is converted to them and wants to live her life the way they want her to.  She understands what life is all about.  She has chosen the path she wants to be on and she has grasped the iron rod and is not letting go!  The evil that she sees in the large and spacious building are of no consequence to her.  She has chosen to partake from the tree of life and not look back!  We can do the same.  Even though our lives are not comparable and your choices are probably more about choosing right over wrong,  we can be the strong woman that she is and make the choices that we need to make in our lives because we are the masters of our lives.  She knew who she was.  She knew who God was and She knew what she wanted in life.  She had a testimony and was truly converted.  That’s what we need—a testimony of Jesus Christ and be truly converted to follow Him.

With that testimony and that conversion we make the decisions of how we will live our lives.

         Be like Hannah & Robert Harris
         Be like Elizabeth Smart
         Be like the Anti-Nephi-Lehies


Monday, May 5, 2014

Finances: Like it or not it's a major part of our lives!

In teaching the Marriage and Family Relations Class I taught this lesson on finances.  This is a part of life that all of us could use some pointers on so I decided to post this.  Sorry, it's lengthy but so many good points!  Hope you get something from it:

What is one of the top causes of marital discord?   FINANCES
            Many couples argue over bills, debt, spending, financial issues.  How you decide to handle them  determines how finances will affect your relations—negative or positive?

Finances: our emotions are very much involved in our finances, and because of that, it makes it all the harder to take care of them without being emotionally involved.   I don’t know if it’s possible to separate the two but we do have to learn to control both as we deal with our finances.

This lesson (article) talks about WHY it’s important that both husband and wife be involved in money making decisions—how it will bring peace, harmony, and unity into your marriage.  We will talk about how money has to be controlled or we will find ourselves in BONDAGE to our money habits.  

When we were first married, this is how we kept track of our money:  little black book—ledger from when we were first married.
Then we used Quicken—Loved it!!  We knew exactly where everything went unless we used cash which didn’t and still doesn't happen very often.
Now we use Mint (mint.com) for the last 18  months.  We are able to keep good sight of our money—where it goes & where it needs to go.  As soon as we make a purchase with our credit card or debit card it shows up on mint.  If we write a check or make a deposit, it shows up as well.  It keeps track of our mortgage and our money market, etc.   EVERYTHING that we allow it to.

It is VITAL that you know where your money is going—it is vital that you both are involved in the money spending decisions: 

N. Eldon Tanner wrote an article which is in our participant’s manual.  
“But before ye seek for riches, seek ye for the kingdom of God.
“And after ye have obtained a hope in Christ ye shall obtain riches, if ye seek them; and ye will seek them for the intent to do good—to clothe the naked, and to feed the hungry, and to liberate the captive, and administer relief to the sick and the afflicted” (Jacob 2:18–19; italics added).

The foundation and perspective then are these: We must first seek the kingdom, work and plan and spend wisely, plan for the future, and use what wealth we are blessed with to help build up that kingdom. When guided by this eternal perspective and by building on this firm foundation, we can pursue with confidence our daily tasks and our life’s work, which must be carefully planned and diligently pursued.
I think it’s important to remember our finances are a part of life—we have to have money to survive.  But I think these are wise words to remember throughout your life.

In participant’s manual on pages 28-31— the 5 principles for taking care of finances.

1. Pay an honest tithing.
2. Live on less than you earn.
3. Learn to distinguish between needs and wants.
4. Develop and live within a budget.
5. Be honest in all your financial affairs.

1. Pay an honest tithing
From the Participant's Manual:  “The payment of tithing is a commandment, a commandment with a promise. If we obey this commandment, we are promised that we will “prosper in the land.” This prosperity consists of more than material goods—it may include enjoying good health and vigor of mind. It includes family solidarity and spiritual increase. I hope those of you not presently paying your full tithe will seek the faith and strength to do so. As you discharge this obligation to your Maker, you will find great, great happiness, the like of which is known only by those who are faithful to this commandment.

There are blessings of paying tithing: 

My parents are in their 80’s & have been faithful tithe payers ever since they joined the church.  They have never been wealthy… but they have been blessed with everything they have needed.  They have never wanted for necessities.  They’ve had good health, and family solidarity and spiritual increase. 

3 Nephi 2410 Bring ye all the tithes into the storehouse, that there may be meat in my 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.

I get emails every day from different stores and businesses and everyday they want me to look at the bargains and the good deals of the day.  After thanksgiving every year we have “black Friday”.  Everyone wants to go out and get the best deals that are out there.  You can’t get a better deal than when you pay your tithing.  “It’s a great deal!”  The Lord will bless you with so much that there won’t be room enough to receive it. 

2.  Live on less than you earn
From the manual:  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, comp. 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.
You spend what you make-the more you make the more you spend—good practice to learn to save when you don’t have a lot to spend so that you will learn early to spend less then what you earn—learn that principle early—learn to be disciplined early—ALWAYS PUT SOME AWAY INTO SAVINGS!  Even if it’s just a very small amount.

How much should you save?   An article I read :  The percentage of income that’s appropriate for you will depend on your income, age, the amount of money you’ve already saved, your employment prospects and, most important, how much you’re willing to forego immediate gratification for current and future financial security.
May be hard to see how much you will need for the future—but life gets more expensive the older you get—a home, children, their educations, missions-both for your children and for you, retirement,etc.
What are we saving for?  WHAT’S THE PURPOSE?:  a rainy day (car or home repairs, illness, injury, unemployment)—children’s future education—retirement—large purchases---It teaches discipline.

My oldest daughters’ husband graduated from dental school almost a year ago. Right now, they are living from paycheck to paycheck.  A couple of weeks ago, their dryer broke down.  They don’t have any money in reserve and so they are drying their clothes using the old fashioned way—the air.  Their washing machine sounds like its going to fall apart any day!  My point not to show a bad example, but to show that there are things that break down, tires that wear out,  accidents that happen that will need extra expenses.

Allie Schulte of the Church Welfare Services:  If Church members strive to discipline themselves, they will be prepared for financial trials. Once they have established a financial reserve, they can continue saving for future needs like missions, education, retirement, and other necessities.

You need a cushion for emergencies, and then you need to save for the future.


You have to have DISCIPLINE—know how much you make—know how much you spend—spend less than what you earn.

Suze Orme—financial adviser guru—TAKE EQUAL PLEASURE IN SAVING AS YOU DO IN SPENDING.  STOP VALUING YOURSELF BASED ON WHAT YOU OWN, WHAT YOU POSSESS, LOOK AT YOUR VALUE ON WHAT YOU CAN SAVE!

Read Pres. Hinkley WARNS uS TO STAY OuT Of DEBT!
“The time has come to get our houses in order.
“So many of our people are living on the very edge of their incomes. In fact, some are living on borrowings. …
“I am troubled by the huge consumer installment debt which hangs over the people of the nation, including our own people. …
“I urge you … to look to the condition of your finances. I urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt to the extent possible. Pay off debt as quickly as you can, and free yourselves from bondage” (in Conference Report, Oct. 1998; 70, 72; or Ensign, Nov. 1998, 53–54).


My oldest daughter took a finance course from DaveRamsey.  He says you never buy anything without cash—have the money set aside, except for a house.   The church says you can use credit for a home, a car, and an education.  This is a debt that will pay for itself.  You have to get the education and most education is expensive—especially if you go to graduate school.  You still have to be careful and it's better to be conservative rather than being liberal with that debt.

Be careful about buying on credit.

CREDIT CARDS—this is how we use them: we use it like a debit card or a check.  We pay the full amount owed each month!! Every time we use our card our transaction shows up in Mint—DO NOT PAY INTEREST ON CREDIT CARDS!!!  We do not pay an annual fee for our credit cards!  We use cards that give us a percentage back on our purchases.  Using a credit card wisely helps with your credit rating.

How can you stay out of debt?
         Plann—look ahead—discipline 
3. Learn to distinguish between Needs and Wants.
From the manual:  Consumer appetites are man-made. Our competitive free enterprise system produces unlimited goods and services to stimulate our desire to want more convenience and luxuries. I do not criticize the system or the availability of these goods or services. I am only concerned about our people using sound judgment in their purchases. We must learn that sacrifice is a vital part of our eternal discipline.
In this and many other countries, many parents and children born since World War II have known only prosperous conditions. Many have been conditioned to instant gratification. There have been ample job opportunities for all who are capable of working. Yesterday’s luxuries for most are considered today’s necessities.
This is typified by young couples who expect to furnish their homes and provide themselves with luxuries as they begin their marriages, which their parents have managed to acquire only after many years of struggle and sacrifice. By wanting too much too soon, young couples may succumb to easy credit plans, thereby plunging themselves into debt. This would keep them from having the financial means necessary to do as the Church suggests in the matter of food storage and other security programs. WHY IS IT ESSENTIAL TO DETERMINE BETWEEN WANTS AND NEEDS?

When we can determine between our wants and our needs we will help ourselves get rid of stress—it will give you piece of mind—it keeps us out of debt.

 Henrik Ibsen: “Money may be the husk of many things, but not the kernel. It brings you food, but not appetite; medicine, but not health; acquaintances, but not friends; servants, but not faithfulness; days of joy, but not peace or happiness” (in The Forbes Scrapbook of Thoughts on the Business of Life [1968], 88).


Some people spend money to make them feel good about themselves.  They think the more things they have the more valuable they are!!!  If you are buying things to cover up an emotional lack, you will only find that your emotional need will still be unmet!!!

It’s also very easy to look around and see what your friends or family members are buying and think..I want that!  I want to go there! I want a house like that.  WE bought our home 28 years ago—everyone in the neighborhood was the same age with similar incomes.  5-10 years after that there were many families that were making lots of money and there seemed to be a boom of people selling their houses and building big and expensive homes on the side of the mountain.  I remember feeling very left out and envious and desiring to be able to do the same.  I really thought we needed to sell and buy a bigger house.  It wasn’t a need as much as wanting what every body else had.   And now I live in the same house but we've been able to add on and remodel and it's everything and more than I have ever dreamed of having.  I love my house and I love where I live.

We live in a world of PLENTY!!  There is just about anything you can imagine available for us.  It’s easy to get caught up in the  I WANT syndrome.

When you go to make a purchase, ask, is this something we can afford? is it something we need? is it something we want?  Can it wait for another time?

SUGGEST: Make a list of your most recent purchases—look at where your money is going and then sit down as a couple and figure out what things are needs and what things are wants.  PAY FOR THE NEEDS FIRST!  You don’t have to buy the most expensive brand or product. Be wise with the product you buy.

Each of us must decide what is sufficient for our needs and not allow our desires to be governed by what is advertised or available. We must personally decide what is enough car, house, or income rather than asking a bank officer how big a loan can we qualify for.

Figure out a way to Go out and splurge once in awhile. You still have to have fun but remember money doesn’t buy happiness.  DON’T FORGET TO HAVE FUN!  YOU CAN BE POOR AND HAVE FUN!

4: Make a budget

 WHEN YOU’VE DETERMINED NEEDS & WANTS then you need to make a budget.  A budget outlines what your income is and what expenses you have to make.

From the Manual:  A friend of mine has a daughter who went overseas with a BYU study-abroad program for a semester. She was constantly writing home for more money. His concern was such that he called her long-distance and questioned her about the need for the additional funds. At one point in the conversation the daughter explained, “But Dad, I can tell you where every penny you have sent me has been spent.”
He replied, “You don’t seem to get the point. I’m interested in a budget—a plan for spending—not in a diary of where the money has gone.”
A Budget isn’t just knowing where your money goes—it’s deciding where your money goes and then making sure that it goes there.

1.  Start with knowing how much income you have. 
            Once you get married you share one checking account—it’s not my money and your money—it’s our money!!!  It's not my pay check and your pay check but OUR paycheck.

2.  Figure out the expenses you have

             tithing, rent, utilities, gasoline, food, phones, etc. 

If you don’t have enough income to pay your expenses—what do you do?
            You have to cut something out—

What are things you could cut out?   internet, cable TV, phone services, gas, eating out, movies

You may need to make a sample budget first and try it out for a month or two and see how it works.  It may take a couple of paychecks before you figure out exactly how your budget is going to look.

From the manual:  It has been my observation in interviewing many people through the years that far too many people do not have a workable budget and have not disciplined themselves to abide by its provisions. Many people think a budget robs them of their freedom. On the contrary, successful people have learned that a budget makes real economic freedom possible.

I truly believe we are where we are today because we have disciplined ourselves and set a budget early in our marriage and have lived on a budget ever since.  Many of you have been to our house…I know it’s not the biggest best prettiest etc home around.  BUT it is far better than I ever dreamed of having.  I love my home!!!  We started with a small 1400 sq. foot home with 3 bedrooms and 1 ½ baths.  It now has over 3000 sq. feet 4 bedrooms (could have 5) 3 ½ baths and more room than we really need.   ALL because we lived within our means, we budgeted, we payed a full tithing,

Sample Budget:

Income                        $XXXX

Expenses:
            Tithing
            Other Church donations (FO)
            Savings
            Rent/Mortgage
            Food
            Utilities
            Phones
            Car Payment
            Gas
            Insurance
            Medical
            Clothing
            Other Household
            Other Personal
            Date Night

NEVER MAKE A LARGE PURCHASE WITHOUT CONSULTING YOUR SPOUSE!


5.  Be Honest in all your financial affairs

To me nothing is more upsetting to hear of good LDS people who are not honest in their finances.

Pres. Tanner said;  The ideal of integrity will never go out of style. It applies to all we do. As leaders and members of the Church, we should be the epitome of integrity.

6.  Teach your children

This is my addition to the 5 principles of finances.

Give your children opportunities to have their own money.  Teach them to use it wisely.  Give them opportunities to pay their tithing, budget and save and to have some expenses.

Teach them by example—sometimes we want to buy our children whatever they want.  We think we are showing our love for them by doing so.  From an Ensign article, we read:

Because part of the Lord’s plan was to arrange for opposition in all things, thereby providing us with the opportunity to become strong through our struggles, we must keep in mind the benefits of allowing our children to grapple with challenges. How much to provide and how much to withhold are decisions best made prayerfully…

Sometimes parents may need to openly explain to a child that one of the tasks of parenting is to help them become self-reliant—then provide them a way to work and save money. Explain to them that part of your responsibility as a parent is not only to teach them the principles of the gospel and how to become a loving person but also to instill in them a greater sense of self-reliance. In most situations this means not doing for children what they are capable of doing for themselves.


Wrap up:
One of you will probably take care of the finances BUT both of you control the finances!  ONE PERSON DOES NOT MAKE ALL THE FINANCIAL DECISIONS!

One of you pays the bills & keeps track of everything
Both of you make the budget


If you remember these principles, I KNOW you will have peace, harmony and unity in your marriage.  You will not find yourselves in bondage to your expenses and spending habits.