Finances

1.     “Brethren, compliance with the law of tithing opens the windows of heaven, bringing material and spiritual blessings through sacrifice and obedience. It is truly the first step towards personal and family financial preparedness.” Franklin D. Richards April 1979 “Personal and Family Financial Preparedness” link

2.     “Wisely we have been counseled to avoid debt as we would avoid the plague.” L. Tom Perry- October 1995 ““If Ye Are Prepared Ye Shall Not Fear” link

3.     “Interest never sleeps nor sickens nor dies. … Once in debt, interest is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it; it yields neither to entreaties, demands, or orders; and whenever you get in its way or cross its course or fail to meet its demands, it crushes you” J. Reuben Clark-Conference Report, Apr. 1938, p. 103. “

4.     “The instability in the world today makes it imperative that we take heed of the counsel and prepare for the future.”  L. Tom Perry- October 1995 ““If Ye Are Prepared Ye Shall Not Fear” link

5.     “We must want more than anything else to change our lives so that we can break the cycle of debt and our uncontrolled wants.” Robert D. Hales – April 2009 General Conference “Becoming Provident Providers Temporally and Spiritually” link

6.     “From my earliest recollections, from the days of Brigham Young until now, I have listened to men standing in the pulpit … urging the people not to run into debt; and I believe that the great majority of all our troubles today is caused through the failure to carry out that counsel.” Heber J. Grant –April Conference Report, Oct. 1921, 3

7.     “Our world is fraught with feelings of entitlement. Some of us feel embarrassed, ashamed, less worthwhile if our family does not have everything the neighbors have. As a result, we go into debt to buy things we can’t afford—and things we do not really need. Whenever we do this, we become poor temporally and spiritually. We give away some of our precious, priceless agency and put ourselves in self-imposed servitude. Money we could have used to care for ourselves and others must now be used to pay our debts. What remains is often only enough to meet our most basic physical needs. Living at the subsistence level, we become depressed, our self-worth is affected, and our relationships with family, friends, neighbors, and the Lord are weakened. We do not have the time, energy, or interest to seek spiritual things.” Robert D. Hales – April 2009 General Conference “Becoming Provident Providers Temporally and Spiritually” link

8.     “Remember, a good attitude produces good results, a fair attitude fair results, a poor attitude poor results.” Russell M Ballard – April 1981 “Providing for Our Needs” link

9.     “When we learn to expect more success than failure in life, we soon will develop an attitude of success.” Russell M Ballard – April 1981 “Providing for Our Needs” link

10.  “Obeying the law of tithing is an essential element of faith and family unity. Because Satan uses greed and the pursuit of possessions to sweep families off the celestial highway,” Anthony D. Perkins October 2012 General Conference “Beware Concerning Yourselves” link