Personal Finances

1.        “We might want and expect a larger paycheck, but the blessing that comes to us through heavenly windows may be greater capacity to change our own circumstances rather than expecting our circumstances to be changed by someone or something else.”  (Elder David A. Bednar “The Windows of Heaven” Ensign, November 2013)

2.       “A subtle but significant blessing we receive is the spiritual gift of gratitude that enables our appreciation for what we have to constrain desires for what we want.  A grateful person is rich in contentment.  An ungrateful person suffers in the poverty of endless discontentment.”  (Elder David A. Bednar “The Windows of Heaven” Ensign, November 2013)

3.       “President Thomas S. Monson said: ‘If you are concerned about providing financially for a wife and family, may I assure you that there is no shame in a couple having to scrimp and save.  It is generally during these challenging times that you will grow close together as you learn to sacrifice and to make difficult decisions’.” (Elder Neil L. Andersen “Children” Ensign, November 2011)

4.       “If we make choices that put us deeply in debt, we will lose our agency to meet our wants and needs or to save for that inevitable rainy day.” ( Robert D. Hales “To Act for Ourselves: The Gift and Blessings of Agency”  lds.org conference April 2006)

5.       “As we obey the counsel to avoid and get out of debt now, we use our agency and obtain the liberty to use our disposable income for helping and blessing others.”  (Elder Robert D. Hales “Agency: Essential to the Plan of Life” Ensign, November 2010 pp 24-26)

6.       “Remember this: debt is a form of bondage. It is a financial termite. When we make purchases on credit, they give us only an illusion of prosperity. We think we own things, but the reality is, our things own us.”  

(Elder Joseph B. Wirthlin “Earthly Debts, Heavenly Debts” lds.org conference April 2004)

7.       “Through wise budgeting, control your real needs and measure them carefully against your many wants in life. Far too many individuals and families have incurred too much debt. Be careful of the many attractive offers to borrow money. It is much easier to borrow money than it is to pay it back. There are no shortcuts to financial security. There are no get-rich-quick schemes that work. Perhaps none need the principle of balance in their lives more than those who are driven toward accumulating “things” in this world.”  (M. Russell Ballard “Keeping Life’s Demands In Balance” lds.org conference April 1987)

8.       “When faced with the choice to buy, consume, or engage in worldly things and activities, we all need to learn to say to one another, “We can’t afford it, even though we want it!” or “We can afford it, but we don’t need it—and we really don’t even want it!” (Robert D. Hales “Becoming Provident Providers” lds.org conference April 2009)

9.       “There is an equally important principle underlying these lessons: we can learn much from communicating withour husbands and wives. As we counsel and work together in family councils, we can help each other become provident providers and teach our children to live providently as well.” (Robert D. Hales “Becoming Provident Providers” lds.org conference April 2009)

10.   “Your grandfather always told us children that if we would faithfully pay an honest tithing, the Lord would bless us and it would be the best investment that we could ever make.” (Elder Sheldon F. Child “The Best Investment” lds.org conference April 2008)