Self-Reliance Link

"Self-reliance is a simple concept that encourages each of us to take responsibility for our own needs—physical, emotional, spiritual, social, and economic." Check out a new link with excellent information on Self-Reliance here.

Real Life--Living It

Because we can learn so much from each other, Monday's posts will be "Real Life -- Living It" featuring a guest post.

This week's guest post is by Sara from The Pantry Panel. Sara posted a talk she gave in her LDS ward on June 14, 2009 entitled "A Provident Living Talk". I love how she shares personal experiences and the blessings she's received from following inspired counsel. (Thanks for your permission to share this post Sara! You are INSPIRING!)

A provident living talk

Given by me in my LDS ward today.

-=-=-=-=-

"At long last, frugality is becoming cool! According to last week’s Washington Post, people are no longer trying to keep up with the Joneses. “Instead of feeling conscious about spending less, people are flaunting their frugality.” Of course, in the church, provident living is not some new trend.

What is provident living? Provident means carefully preparing for the future. Elder Robert D. Hales said in last conference, “To provide providently, we must practice the principles of provident living: joyfully living within our means, being content with what we have, avoiding excessive debt, and diligently saving and preparing for rainy-day emergencies. When we live providently, we can provide for ourselves and our families and also follow the Savior’s example to serve and bless others.”

The church puts out “Family Finances” pamphlet that summarizes advice about Provident Living: (1) Pay tithes and offerings, (2) Avoid debt, (3) Use a budget, (4) Gradually build a reserve, and (5) Teach your children.

Pay tithes and offerings. President Hinckley called tithing “the Lord’s law of finance.” When we put the Lord first financially by paying tithing, God is able to keep his promises, and open the windows of heaven to bless us. I know that God blesses us when we keep his commandments, especially when it is difficult.

Avoid debt. Our society has had to relearn this lesson recently, haven’t we? Our country’s recent financial problems have mostly been caused by excessive debt. Every generation or so we forget, and we have to learn this all over again.

Even young children can understand why debt is harmful. Sometimes my kids see the pay-day loan stores, with names like “The Cash Store.” They ask me, “Mom, can you buy cash at the store?” I say, “Yes! They say, ‘We’ll give you $10 today, but you have to pay us $20 next week.’” The kids laughed and laughed, and asked, “Why would anyone ever do that?” I did exaggerate the amount of interest slightly to teach the principle, but this is the truth about debt and interest. You always have to repay more than you borrow, and you can never be sure that you will have the money to repay in the future.

Some in recent years have tried to make debt look sophisticated. But no amount of sophistication can deny those simple truths about debt and interest. Speculative thinking is nothing new. In 1986, Elder James E. Faust said, “There are some investment counselors who urge speculative credit practices described as ‘leverage,’ ‘credit wealth,’ and ‘borrow yourself rich.’ Such practices may work successfully for some, but at best they succeed only for a time. An economic reversal always seems to come, and many who have followed such practices find themselves in financial ruin and their lives in shambles.” History repeated itself yet again.

It’s especially important to avoid consumer debt. Credit cards can be handy. But if you can’t pay off the balance every month, get rid of them. Elder Joseph B. Wirthlin counseled in April 2004, “Those who use credit cards to overspend unwisely should consider eliminating them. It is much better that a plastic credit card should perish than a family dwindle and perish in debt.”

Elder Hales said, “Of course some debt incurred for education, a modest home, or a basic automobile may be necessary to provide for a family.” However, even in these cases, debt should only be incurred carefully and prayerfully, and minimally.

Education: Student loans are often thought of as “good debt.” Interest rates have been low in recent years, and education usually leads to increased income that can be used to pay off the loan. But I know of many people whose student loans have caused them a lot of trouble. The loans have to be repaid even if the degree is not finished, or if job opportunities are not what you thought they would be, or if the degree is in a low-paying field, or if the student wants to become a stay-at-home mom. Student loans are not bankruptable, so even in a worst case scenario those debts are with you forever until they are repaid. So make these decisions prayerfully, and get your education without debt if possible.

Car: a “basic automobile” is not a new one. New cars are much more expensive than used cars. New car loans are often structured so that you owe more on the car than it is worth, making the car impossible to sell without spending thousands of dollars. Reliable used cars can be found with careful research and shopping. Teenagers can save up for old cars and pay for them with cash, which is what my husband and his brother did when they were teenagers. That car was often broken, but they were motivated to keep the car running, and they learned how to repair and maintain a car. These skills have blessed our family and saved our family a lot of money.

House: Debt is usually necessary to buy a home now, but in recent years excessive debt has been promoted. It used to be that banks required a 20% down payment on a house, and monthly payments had to be no more than 28% of your income. Buy a “modest home,” as President Hinckley counseled. If you follow these rules, you will have some measure of safety even in a declining real estate market. Avoid home equity loans, and seek to pay off your mortgage as quickly as you can. President Hinckley told the story of President Faust paying off his 4% mortgage, even though people thought it was foolish to pay off a loan with such a low interest rate. But he understood that being debt free brings freedom.

Use a budget. A budget is a great place to start to get control of your finances. When you write down where your money goes and make a plan, it’s easier to see the waste that you can cut out to reach your goals. The mystery of where the money goes is solved, and you are empowered to improve.

Elder Hales counseled us to “joyfully live within your means.” How can we do this? Often we think of budgeting or cutting back expenses as a matter of deprivation. But it helps for us to have the right attitude. Don’t compare your financial situation to affluent lifestyles portrayed in the media. My husband and I once attended a Parade of Homes home show. We enjoyed looking at the many lovely features in the fancy homes, but when we came home, we found ourselves less satisfied with our own simple home.

Instead, compare yourselves to your grandparents when they were your age. We have a great deal to be grateful for. Of course our grandparents didn't have cell phones or cable TV. But they also did without things that we see as necessities, such as air conditioning and dryers. Families had one car each. My grandparents raised 8 children in a 1200 square foot home. That isn't done anymore, but back in the 1960s it was relatively common.

Getting by on a very small budget can become a game. My grandmother was a divorced mother of 3 young children in the 1960s. Money was extremely tight, and often my grandmother went hungry because there was not enough food for everyone. Yet my mother thought of it as a fun challenge to show how clever they were. Their natural gas was turned off the summer after their dad left, and their stove was gas, leaving them without a way to cook. Granny figured out how to cook meals in the electric coffee pot (they were not Mormon at the time), and the children thought their Mom was so clever to figure that out. In our families, we can seek to have the same attitude, even in desperate circumstances.

Sometimes we think of frugal ways of life as “poor,” and extravagance as “rich.” But wealth is accumulating money. If you spend your money on disposable purchases, you don’t have the money anymore. Many rich people are frugal; that’s how they got the money. My husband’s grandparents are enjoying a comfortable retirement after a lifetime of frugality. Even though they don't have to be frugal anymore, they still only eat oatmeal, cracked wheat, or cornmeal mush for breakfast. All of the money they saved on simple breakfasts and in other countless ways over the years added up. Let your children know that those who spend more money than you are not necessarily richer. Without talking about any specific family’s finances, let them know that debt sometimes makes it appear that others are more prosperous than they really are.

It helps to think about what deprivation means to you. Is it deprivation to eat simple foods, wear yard sale clothes, or drive an old car? Or is it deprivation to not be able to afford to have another child, or have mother in the home, or to be unable to sleep well because of excessive debt?

Gradually build a reserve. Save money for a rainy day. 10% is a good figure to shoot for, and increase that if circumstances allow. The money can be automatically withdrawn from your accounts so it can be done without thinking about it.

Also, remember a reserve is more than just money in the bank. Food storage is part of a “reserve” as well.

Plan for the future, and have goals. Often young couples get used to spending two incomes, not planning what they will do when children come. When we were a young married couple, it was our goal for me to stay at home with the children when they came along. We made our decisions on that basis. It was fun to see how little we could live on! We avoided debt, lived in cheap apartments, and avoided turning on the air conditioning and heat. I worked, and during my time off I learned frugal skills such as bread baking and cooking from scratch. We shopped carefully, stocking up on food when it was on sale, eventually building up a good supply of food storage. We drove a junker car. My husband fixed anything that broke. Because of our choices, we were able to reach our goal.

Teach your children. So many young adults are unprepared for adulthood. We may have provident living skills, but the next generation needs to learn them or else those skills will be lost. How can we teach them to live providently?

Don’t do too much for them. I recently watched a news segment called “Unspoil your kids.” Even if you have means, make them work for what they want. Have them provide for their own car, buy their own clothes, save for their own missions or education. This can start at a young age. When our kids whined in the store for candy, we asked them, “Where is your money?” They didn’t have any, and a fight was avoided. We wanted them to never get the idea that it’s the parent’s job to provide for more than the basics. Children are naturally much more frugal with their own money than with your money.

Teach them how the household budget works. When I was a kid, I saw my dad’s paycheck. I selfishly imagined all the things I could do with that money, because I didn’t understand what family obligations that money paid for. We taught our children how the budget works in a family night, using an idea from this book. We represented our household income with Monopoly money, and asked our children what they wanted to do with it. Then we showed them where the money has to go, and how little discretionary money we actually had. After we did this, our children have desired to do what they can to help us save money.

Do self-reliant things as a family. Teach your children to cook. Even young children can learn to make sandwiches, or prepare oatmeal. My mom taught me, “If you can read, you can cook.” We have created a family cookbook so my children can have the confidence to make our family’s favorite recipes. Do family work projects together. Last month, our family worked together to insulate the attic. We all did our part, and the work got done. More importantly, our children can look back on experiences like that when they are adults and gain the confidence to do needed repairs themselves instead of hiring others. Grow a garden and preserve the surplus together as a family. Include your children when making repairs.

Provide the child with opportunities to work for money. Sometimes families give allowances to help children learn to manage money, but in my opinion, the most important lesson to learn about money is that you exchange work for money. Work together as a family. My husband’s parents ran a newspaper distribution office when he was growing up, and as a family they would assemble the newspapers before they were delivered. Because of experiences like this, my husband and his siblings all grew up to be hard workers.

Talk to your children about money. Help them to understand how interest works, and why debt is bondage. Often people are quiet about their financial problems, so children grow up only seeing the fun side of overspending, and never see the full consequences. My kids sometimes overhear the Dave Ramsey show, a national radio show that helps people get out of debt. The show has given my children a good education about why debt should be avoided, by hearing the consequences of others who have gotten into debt. Explain to your children, in a way that they can understand, why it is smart to be frugal.

I testify that Heavenly Father has blessed us greatly, and he wants us to use our earthly resources to provide for our families, plan for the future, and bless others. I know that when we make wise choices with our money, we are blessed with peace."

(Source: Sara, The Pantry Panel blog, June 14, 2009 post)

Provident Providers

"What is a provident provider?

All of us are responsible to provide for ourselves and our families in both temporal and spiritual ways. To provide providently, we must practice the principles of provident living: joyfully living within our means, being content with what we have, avoiding excessive debt, and diligently saving and preparing for rainy-day emergencies. When we live providently, we can provide for ourselves and our families and also follow the Savior’s example to serve and bless others." --Elder Robert D. Hales

(Source: Elder Robert D. Hales, "Becoming Provident Providers Temporally and Spiritually", April 2009)

Happy Easter!

Mary and the Resurrected Jesus Christ

Isa. 25:8; John 20:10–18
Easter Message from The First Presidency:

"At this Easter season of hope and renewal we testify of the glorious reality of the atonement and resurrection of the Lord Jesus Christ. The empty tomb brought comforting assurance and provided the answer to the question of Job, “If a man die, shall he live again?” (Job 14:14).

Because of the Savior’s resurrection we will overcome death and become the beneficiaries of His mercy and grace. In a world of trouble and uncertainty, His peace fills our hearts and eases our minds. Jesus is in very deed “the way, the truth, and the life” (John 14:6).

We give our sure witness that Jesus is the Christ. Though He was crucified, He rose triumphant from the tomb to our everlasting blessing and benefit. To each member of the human family He stands as our Advocate, our Savior, and our Friend."

(Source: First Presidency Easter Message, http://newsroom.lds.org/ldsnewsroom/eng/news-releases-stories/first-presidency-shares-easter-message#continued)

Trust in God

"When challenges and testing do come, your faith will lead you to solutions. Your peace of mind, your assurance of answers to vexing problems, your ultimate joy depend upon your trust in Heavenly Father and His Son, Jesus Christ. Right will ultimately prevail. It will yield blessings now as you in faith obey the commandments of God. Remember an unfailing, continual, ever-present source of peace and comfort is available to you. It is the certainty that your Father in Heaven loves you no matter what your circumstance, no matter what winds of trial, turmoil, or tribulation whirl about you. That certainty will never change. Your ability to access that support depends on the strength of your faith in Him and in His certain willingness to bless you."

Richard G. Scott, “The Sustaining Power of Faith in Times of Uncertainty and Testing,” Ensign, May 2003, 75

Personal and Family Preparedness

There is a booklet entitled "Essentials of Home Production & Storage," that has some very helpful information on Personal and Family Preparedness, Home Production, Home Storage, Recipes, Publications, and Inventory Methods. It's been something that I have referred to many times through the years. (It's very affordable -- only $1.20.)

I was looking through it this morning and found part of the following quote from a talk given in 1977. I decided to look up and read the complete talk and have included a few more paragraphs that are good counsel. If you would like to read the talk in it's entirety, click here.

"...As you know, in the recent past we have placed considerable emphasis on personal and family preparedness. I hope that each member of the Church is responding appropriately to this direction. I also hope that we are understanding and accentuating the positive and not the negative.

I like the way the Relief Society teaches personal and family preparedness as “provident living.” This implies the husbanding of our resources, the wise planning of financial matters, full provision for personal health, and adequate preparation for education and career development, giving appropriate attention to home production and storage as well as the development of emotional resiliency.

I hope that we understand that, while having a garden, for instance, is often useful in reducing food costs and making available delicious fresh fruits and vegetables, it does much more than this. Who can gauge the value of that special chat between daughter and Dad as they weed or water the garden? How do we evaluate the good that comes from the obvious lessons of planting, cultivating, and the eternal law of the harvest? And how do we measure the family togetherness and cooperating that must accompany successful canning? Yes, we are laying up resources in store, but perhaps the greater good is contained in the lessons of life we learn as we live providently and extend to our children their pioneer heritage.

Think of the learning that accompanies a family council on the family budget. How do Mom and Dad feel when a teenage son who, because he is included and understands the budgeting process, volunteers part of his summer’s income to help replace that tired refrigerator?

We speak of literacy and education in terms of being prepared for a better occupation, but we cannot underestimate the present pleasure of our reading in the scriptures, Church magazines, and good books of every kind. We teach of emotional strength in terms of family prayer, kind words, and full communication, but we quickly learn how pleasant life can be when it is lived in a courteous and reinforcing atmosphere.

In like manner we could refer to all the components of personal and family preparedness, not in relation to holocaust or disaster, but in cultivating a life-style that is on a day-to-day basis its own reward.

Let’s do these things because they are right, because they are satisfying, and because we are obedient to the counsels of the Lord. In this spirit we will be prepared for most eventualities, and the Lord will prosper and comfort us. It is true that difficult times will come—for the Lord has foretold them—and, yes, stakes of Zion are “for a defense, and for a refuge from the storm.” (D&C 115:6.) But if we live wisely and providently, we will be as safe as in the palm of His hand."...

(Source: Spencer W. Kimball, "Welfare Services: The Gospel in Action," Nov. 1977)

Pay Tithes and Offerings

"Successful family finances begin with the payment of an honest tithe and the giving of a generous fast offering. The Lord has promised to open the windows of heaven and pour out great blessings upon those who pay tithes and offerings faithfully (Malachi 3:10 and Isaiah 58: 6–12).

Tithing

If our tithing is the first obligation met, our commitment to this important gospel principle will be strengthened and the likelihood of financial mismanagement will be reduced.

Fast Offerings

On fast day, we go without food and drink for two consecutive meals, if physically able, and then give to the bishop a fast offering at least equal to the value of the food not eaten. If possible, we should be very generous and give more. The bishop uses the fast offerings to care for the poor and needy."

(Source: Provident Living at: http://providentliving.org/content/display/0,11666,7416-1-4005-1,00.html)

Teach Family Members

"Teach family members the principles of financial management. Involve them in creating a budget and setting family financial goals. Teach the principles of hard work, frugality, and saving. Stress the importance of obtaining as much education as possible.

Abundant resources are available—from classes, to books, to other resources such as One for the Money: Guide to Family Finance."

(Source: Provident Living at: http://providentliving.org/content/display/0,11666,7420-1-4009-1,00.html)

Build a Reserve

"Gradually build a financial reserve, and use it for emergencies only. If you save a little money regularly, you will be surprised how much accumulates over time.

President Gordon B. Hinckley has taught: “Set your houses in order. If you have paid your debts, if you have a reserve, even though it be small, then should storms howl about your head, you will have shelter for your wives and children and peace in your hearts” ("To the Boys and to the Men," Ensign, Nov. 1998, 54). "

(Source: Provident Living at: http://providentliving.org/content/display/0,11666,7419-1-4008-1,00.html)

Use a Budget

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

Use this information to establish a family budget. Plan what you will give as Church donations, how much you will save, and what you will spend for food, housing, utilities, transportation, clothing, insurance, and so on.

Discipline yourself to stay within your budget plan. A budget worksheet is a useful tool to help you with your plan."

(Source: Provident Living at: http://providentliving.org/content/display/0,11666,7418-1-4007-1,00.html)

Avoid Debt

"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. Some useful tools in becoming debt free are a debt-elimination calendar and a family budget worksheet.

Distinguish between Needs and Wants

We must learn to distinguish between wants and needs. We should be modest in our wants. It takes self-discipline to avoid the “buy now, pay later” philosophy and to adopt the “save now and buy later” practice.

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).

Getting and Staying out of Debt

We should avoid debt. There is nothing that will cause greater tensions in life than grinding debt, which will make the debtor a slave to creditors. A specific goal, careful planning, and determined self-discipline are required to accomplish this.

President N. Eldon Tanner taught: "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” ("Constancy Amid Change," Ensign, Nov. 1979, 81)."

(Source: Provident Living at http://providentliving.org/content/display/0,11666,7417-1-4006-1,00.html)

Prepare for a Rainy Day

"It was not raining when Noah built the ark. But he built it and the rains came...We are told by seismologists that the Salt Lake Valley is a potential earthquake zone...We have built grain storage and storehouses...in the event of a disaster. But the best storehouse is the family storeroom. The Lord has said, "Organize yourselves; prepare every needful thing." Our people for three-quarters of a century have been counseled and encouraged to make such a preparation as will assure survival should a calamity come. We can set aside some water, basic food, medicine, and clothing to keep us warm. We ought to have a little money laid aside in case of a rainy day."
--President Hinckley, October 2005

Thrift and Frugality

"There is a wise old saying: “Eat it up, wear it out, make it do, or do without.” Thrift is a practice of not wasting anything. Some people are able to get by because of the absence of expense. They have their shoes resoled, they patch, they mend, they sew, and they save money. They avoid installment buying, and make purchases only after saving enough to pay cash, thus avoiding interest charges. Frugality means to practice careful economy."
--Elder James E. Faust, April 5, 1986

Learn and Apply the Principles of Economic Self-Reliance

"More than ever before, we need to learn and apply the principles of economic self-reliance. We do not know when the crisis involving sickness or unemployment may affect our own circumstances. We do know that the Lord has decreed global calamities for the future and has warned and forewarned us to be prepared. For this reason the Brethren have repeatedly stressed a “back to basics” program for temporal and spiritual welfare.

Today, I emphasize a most basic principle: home production and storage. Have you ever paused to realize what would happen to your community or nation if transportation were paralyzed or if we had a war or depression? How would you and your neighbors obtain food? How long would the corner grocery store—or supermarket—sustain the needs of the community?"

(Source: Ezra Taft Benson, “Prepare for the Days of Tribulation,” Ensign, Nov 1980, 32)

Lay Up in Store

This counsel was given by Bishop Keith B. McMullin during the 177th Annual General Conference in April 2007. If you'd like to read his talk in its entirety, you may find it here.

"Lay up in store. Wives are instrumental in this work, but they need husbands who lead out in family preparedness. Children need parents who instill in them this righteous tradition. They will then do likewise with their children, and their stores will not fail.

A cardinal principle of the gospel is to prepare for the day of scarcity. Work, industry, frugality are part of the royal order of life. Remember these words from Paul: "If any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel."¹³

Seated before us are the three presiding high priests who constitute the First Presidency of the Church.

From President James E. Faust, Second Counselor, we hear: "Every father and mother are the family's storekeepers. They should store whatever their own family would like to have in the case of an emergency . . . [and] God will sustain us through our trials."¹⁴

From President Thomas S. Monson, First Counselor, we hear: "Many more people could ride out the storm-tossed waves in their economic lives if they had their year's supply of food . . . and were debt-free. Today we find that many have followed this counsel in reverse: they have at least a year's supply of debt and are food-free."¹⁵

From President Gordon B. Hinckley, the Lord's prophet, we hear:

"The best place to have some food set aside is within our homes. . . .

"We can begin ever so modestly. We can begin with a one week's food supply and gradually build it to a month, and then to three months. . . . I fear that so many feel that a long-term food supply is so far beyond their reach that they make no effort at all.

"Begin in a small way, . . . and gradually build toward a reasonable objective."¹⁶

Inspired preparation rests on the foundation of faith in Jesus Christ, obedience, and a provident lifestyle. Members should not go to extremes, but they should begin.

We call upon priesthood bearers to store sufficient so that you and your family can weather the vicissitudes of life. Please see to it that those entrusted to your watchcare receive these two pamphlets entitled All Is Safely Gathered In. Exhort them to prepare now for rainy days ahead.

Priesthood leaders, enlist the Relief Society in promoting family preparedness and homemaking. The women of the Church need your backing and will respond to your leadership.

Encourage our members to regularly put into their home storage a few wholesome, basic food items and some water that is safe to drink. They should save some money, if only a few coins each week. This modest approach will soon enable them to have several months' reserve. Over time they can expand these modest efforts into a longer-term supply by adding such essentials as grains, legumes, and other staples that will keep them alive in case they do not have anything else to eat.¹⁷

As we do our very best, we can be confident that "the barrel of meal shall not waste, neither shall the cruse of oil fail."¹⁸ We shall enjoy greater wisdom, security, peace of mind, and personal well-being. We shall be prepared, and because we are prepared, we "shall not fear."

(Source: Bishop Keith B. McMullin, Second Counselor in the Presiding Bishopric, "Lay Up in Store," 177th Annual General Conference, April 2007)

The Basics of Family Finances

"PAY TITHES AND OFFERINGS
Successful family finances begin with the payment of an honest tithe and the giving of a generous fast offering. The Lord has promised to open the windows of heaven and pour out great blessings upon those who pay tithes and offerings faithfully (see Malachi 3:10).

AVOID DEBT
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. Save money to purchase what you need. If you are in debt, pay it off as quickly as possible.

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

Use this information to establish a family budget. Plan what you will give as Church donations, how much you will save, and what you will spend for food, housing, utilities, transportation, clothing, insurance, and so on. Discipline yourself to live within your budget plan.

BUILD A RESERVE
Gradually build a financial reserve, and use it for emergencies only. If you save a little money regularly, you will be surprised how much accumulates over time.

TEACHING FAMILY MEMBERS
Teach family members the principles of financial management. Involve them in creating a budget and setting family financial goals. Teach the principles of hard work, frugality, and saving. Stress the importance of obtaining as much education as possible."

(Source: "All is Safely Gathered In - Family Finances", The Church of Jesus Christ of Latter-day Saints)

Finances

"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.

"...If you have paid your debts, if you have a reserve, even though it be small, then should storms howl about your head, you will have shelter for your wives and children and peace in your hearts. That's all I have to say about it, but I wish to say it with all the emphasis of which I am capable."

(Source: Gordon B. Hinckley, in Conference Report, Oct. 1998, 72; or Ensign, Nov. 1998, 54)

How to Build Your Food Storage

Here is an idea how to build your food storage in 365 days (from Bishop Vaughn J. Featherstone's address during a Welfare Session of General Conference in April 1976.) Those who followed his advice 32 years ago could testify to you that it works.

"This morning I would like to discuss food storage. Let me suggest three or four things we can do. Start by taking an inventory—take a physical count of all of your reserves. This would be a great family home evening project if you’re prepared. If not, it may be terribly embarrassing to you in front of your family. Imagine how the powerful testimony you bear concerning a living prophet must sound to your children, who know that as a family head you have been counseled for years to have a year’s reserve of food on hand. We need to know where we are. Every family should take an inventory—get all the facts.

Second, decide what is needed to bring your present reserve levels to a year’s supply. Then make a list and prepare a plan. Consider first, what are the basics?—wheat (or grain from your locale), sugar or honey, dried milk, salt, and water. Most of us can afford such basics. Buy them from your monthly food budget allowance. The Church discourages going into debt to buy for storage.

Now that you know where you are and where you need to be, the third step is to work out a time schedule for when you will reach your goal. I suggest that one year from today we ought to have a year’s supply of food in all active—and many inactive—members’ homes in the Church. Where food storage violates the law of your land, then abide the law. However, even in those cases we can plant gardens and fruit trees and raise rabbits or chickens. Do all you can within the laws of your community, and the Lord will bless you when the time of need comes. Now here are some suggestions how:

1. Follow the prophet. He has counseled us to plant a garden and fruit trees. This year don’t just think about it—do it. Grow all the food you possibly can. Also remember to buy a year’s supply of garden seeds so that, in case of a shortage, you will have them for the following spring. I’m going to tell you where to get the money for all the things I’m going to suggest.

2. Find someone who sells large bulk of grains, depending on your locale. Make arrangements to buy a ton or so of grain.

3. Find someone who sells honey in large containers and make arrangements to buy what you can afford on a regular basis or buy a little additional sugar each time you go to the store.

4. Purchase dry milk from the store or dairy, on a systematic basis.

5. Buy a case of salt the next time you go to the store. In most areas, 24 one-pound packages will cost you less than $5.

6. Store enough water for each member of your family to last for at least two weeks.

Where the foods I mentioned are not available or are not basic in your culture or area, make appropriate substitutions.

Now you ask, “Where do I get the money for these things? I agree we need them, but I’m having a hard time making ends meet.”

Here is how you do it. Use any one or all of these suggestions, some of which may not be applicable in your country:

1. Decide as a family this year that 25 or 50 percent of your Christmas will be spent on a year’s supply. Many families in the Church spend considerable sums of money for Christmas. Half or part of these Christmas monies will go a long way toward purchasing the basics. I recall the Scotsman who went to the doctor and had an X-ray taken of his chest. Then he had the X-ray gift-wrapped and gave it to his wife for their anniversary. He couldn’t afford a gift, but he wanted her to know his heart was in the right place. Brethren, give your wife a year’s supply of wheat for Christmas, and she’ll know your heart is in the right place.

2. When you desire new clothes, don’t buy them. Repair and mend and make your present wardrobe last a few months longer. Use that money for the food basics. Make all of your nonfood necessities that you feasibly can, such as furniture and clothing.

3. Cut the amount of money you spend on recreation by 50 percent. Do fun things that do not require money outlay but make more lasting impressions on your children.

4. Decide as a family that there will be no vacation or holiday next year unless you have your year’s supply. Many Church members could buy a full year’s supply of the basics from what they would save by not taking a vacation. Take the vacation time and work on a family garden. Be together, and it can be just as much fun.

5. If you haven’t a year’s supply yet and you do have boats, snowmobiles, campers, or other luxury possessions, sell or trade one or two or more of them and get your year’s supply.

6. Watch advertised specials in the grocery stores and pick up extra supplies of those items that are of exceptional value.

7. Change the mix in your family’s diet. Get your protein from sources less expensive than meat. The grocery bill is one bill that can be cut. Every time you enter the store and feel tempted by effective and honest merchandising to buy cookies, candy, ice cream, non-food items, or magazines—don’t! Think carefully; buy only the essentials. Then figure what you have saved and spend it on powdered milk, sugar, honey, salt, or grain.

The Lord will make it possible, if we make a firm commitment, for every Latter-day Saint family to have a year’s supply of food reserves by April 1977. All we have to do is to decide, commit to do it, and then keep the commitment. Miracles will take place; the way will be opened, and next April we will have our storage areas filled. We will prove through our actions our willingness to follow our beloved prophet and the Brethren, which will bring security to us and our families."

(Source: "Food Storage", Bishop Vaughn J. Featherstone, April 1976)

Good Counsel

"Our Heavenly Father created this beautiful earth, with all its abundance, for our benefit and use. His purpose is to provide for our needs as we walk in faith and obedience. He has lovingly commanded us to “prepare every needful thing” (see D&C 109:8) so that, should adversity come, we can care for ourselves and our neighbors and support bishops as they care for others.

"We encourage members world-wide to prepare for adversity in life by having a basic supply of food and water and some money in savings.

"We ask that you be wise as you store food and water and build your savings. Do not go to extremes; it is not prudent, for example, to go into debt to establish your food storage all at once. With careful planning, you can, over time, establish a home storage supply and a financial reserve."
—The First Presidency

(Source: All Is Safely Gathered In: Family Home Storage, Feb. 2007, 1)