Prepared by the Church Educational System
Published by The Church of Jesus Christ of Latter-day Saints
Salt Lake City, Utah
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CES Curriculum, 50 E. North Temple Street, Floor 8, Salt Lake City, UT 84150-2722 USA.
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© 2004 by Intellectual Reserve, Inc.
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Printed in the United States of America
English approval: 8/03
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Chapter 1 The Plan of Salvation for Heavenly Father’s Children |
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Chapter 5 Faith in Jesus Christ Gives Us Power to Provide for Ourselves and Others |
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Chapter 8 Each of Us Can Help Build the Kingdom of God on Earth |
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When we apply gospel principles in our lives, we can become more productive spiritually and temporally. The gospel teaches us to do our best to prepare for a successful future while enjoying the present. It teaches us to seek our Heavenly Father’s help to develop our potential so that we can contribute to the lives of others and be examples of faithful Latter-day Saints. To do so requires faith in God and effort on our part.
The Savior taught that He is the Good Shepherd and knows His sheep. He testified, “I am come that they might have life, and they might have it more abundantly” (John 10:10). The fulness of an “abundant” life is eternal life—to live forever as families in God’s presence (see D&C 132:19–20, 24, 55). Eternal life is made possible through the Atonement.
The Savior’s Atonement can also make our mortal life more abundant. Elder Joseph B. Wirthlin, a member of the Quorum of the Twelve Apostles, explained, “The Atonement of Jesus Christ has given the Savior the power to help you grow into the [person] He knows you can be” (in Conference Report, Oct. 1999, 51; or Ensign, Nov. 1999, 40). Our spiritual growth must be complemented by our temporal progress. It is important for you to educate and train yourself in order to better provide for your family and serve in the home, Church, and community.
The Gospel and the Productive Life course is designed to help you understand relationships between the spiritual and the temporal. The restored gospel does not deal just with spiritual truths. Many spiritual principles have temporal application, and our temporal lives often influence our ability to grow spiritually. President James E. Faust of the First Presidency taught: “We should try to live providently with respect to our personal lifestyles. Living providently means living well within our means and providing for future needs and events. . . . We should seek to manage our affairs so that we are better able to accept the calls which might come to us now, as well as in the future” (in Conference Report, Apr. 1997, 59; or Ensign, May 1997, 43).
The purpose of this manual is to help you understand and apply the principles taught in the Gospel and the Productive Life course. Each chapter begins with an “Introduction,” followed by a section titled “Principles to Understand,” which lists each of the principles taught in the chapter. These are followed by “Supporting Scriptures and Statements” for each of the lesson principles. The statements are drawn from the teachings of the latter-day prophets and apostles and other Church leaders. As you read and ponder their inspired teachings, you will learn how to better apply gospel principles in your life.
The next section, titled “Application and Examples,” presents hypothetical situations and accompanying questions. A “Points to Ponder” section includes additional questions to help you understand and apply the principles you studied. A “Notes and Impressions” section at the end of each chapter provides space for you to record your own insights and to answer questions given as assignments in class.
Heavenly Father has a fulness of joy. He loves His children and wants us to become like Him. He prepared the plan of salvation, also called the plan of happiness, to make it possible for us to experience this same joy. As we grow in our understanding of Heavenly Father’s plan and as we keep His commandments, we become more like Him.
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Heavenly Father explains the plan of salvation. |
■ “We will take of these materials, and we will make an earth whereon these may dwell;
“And we will prove them herewith, to see if they will do all things whatsoever the Lord their God shall command them;
“And they who keep their first estate shall be added upon; and they who keep not their first estate shall not have glory in the same kingdom with those who keep their first estate; and they who keep their second estate shall have glory added upon their heads for ever and ever” (Abraham 3:24–26).
■ “God conversed with men, and made known unto them the plan of redemption, which had been prepared from the foundation of the world; and this he made known unto them according to their faith and repentance and their holy works” (see Alma 12:30).
■ “For behold, this is my work and my glory—to bring to pass the immortality and eternal life of man” (Moses 1:39 [Scripture Mastery]).
■ Elder Richard G. Scott of the Quorum of the Twelve Apostles: “Although our memory of it is withheld, before we came to this earth we lived in the presence of God, our Eternal Father, and His Son, Jesus Christ. We shouted for joy when given the privilege of coming to this earth to receive a body and to move forward in God’s plan for our happiness. We knew that we would be tested here. Our determination was to live obediently to be able to return to be with our Father forever. Part of that testing here is to have so many seemingly interesting things to do that we can forget the main purposes for being here. Satan works very hard so that the essential things won’t happen” (in Conference Report, Apr. 1997, 78; or Ensign, May 1997, 53–54).
■ Elder Joseph B. Wirthlin of the Quorum of the Twelve Apostles: “In a premortal council at which we were all present, [Jesus Christ] accepted our Father’s great plan of happiness for His children and was chosen by the Father to give effect to that plan. He led the forces of good against those of Satan and his followers in a battle for the souls of men that began before this world was formed. That conflict continues today. We were all on the side of Jesus then. We are on the side of Jesus today” (in Conference Report, Oct. 1996, 96; or Ensign, Nov. 1996, 71).
■ The First Presidency and Council of the Twelve Apostles: “The family is ordained of God. Marriage between man and woman is essential to His eternal plan” (“The Family: A Proclamation to the World,” Ensign, Nov. 1995, 102).
■ Elder Joseph B. Wirthlin:
“We understand that we will live a postmortal life of infinite duration and that we determine the kind of life it will be by our thoughts and actions in mortality. Mortality is very brief but immeasurably important. . . .
“We know that death is a necessary transition. It will come sooner or later to each of us. Our mortal bodies will return to earth, and our spirits will return to the spirit world. By virtue of the Savior’s atoning sacrifice, we all will be resurrected. Each of us will stand before the judgment bar of the great Jehovah and be rewarded according to our deeds in mortality.
“If we make every earthly decision with this judgment in mind, we will have used our mortal probation wisely and its days will give us peace in this life and eternal life in the world to come” (in Conference Report, Apr. 1998, 15, 18; or Ensign, May 1998, 14, 16–17).
■ Elder L. Tom Perry of the Quorum of the Twelve Apostles: “The Lord provided an Atonement through Jesus Christ to overcome the effects of the Fall. The Atonement is the means by which imperfect man is reconciled to a perfect God. The Atonement provides a resurrection for all who have lived in mortality and returns them to the presence of God to be judged. In addition, those who accept and apply the principles of the gospel and rely upon the merits and mercy of Christ permanently overcome spiritual death and receive exaltation in the celestial kingdom” (“Give Heed unto the Word of the Lord,” Ensign, Jun. 2000, 25).
■ President Boyd K. Packer, Acting President of the Quorum of the Twelve Apostles:
“When you die, you are introduced to the spirit world [see Teachings of the Prophet Joseph Smith, sel. Joseph Fielding Smith (1976), 310–11]. It is happiness, a paradise, for the righteous. It is misery for the wicked (see 2 Nephi 9:10–16; Alma 40:7–14). In either state, we continue to learn and are accountable for our actions (see D&C 138:10–22).
“After all have been dealt with equally, a judgment will be rendered (see Mosiah 3:18; see also Teachings, 218–19). Each will be resurrected in his or her own order (see 1 Corinthians 15:21–23). The glory one receives, however, will depend on obedience to the laws and ordinances of our Father’s plan (see 1 Corinthians 15:40–42).
“Those who have become pure through repentance will obtain eternal life and return to the presence of God. They will be exalted as ‘heirs of God, and joint-heirs with Christ’ (Romans 8:17; see also D&C 76:94–95; 84:35; 132:19–20; see also Teachings, 374)” (The Play and the Plan [CES fireside for young adults, May 7, 1995], 3).
■ “And Eve, his wife, heard all these things and was glad, saying: Were it not for our transgression we never should have had seed, and never should have known good and evil, and the joy of our redemption, and the eternal life which God giveth unto all the obedient” (Moses 5:11).
■ “Adam fell that men might be; and men are, that they might have joy” (2 Nephi 2:25 [Scripture Mastery]).
■ Elder M. Russell Ballard of the Quorum of the Twelve Apostles: “Understanding the gospel of Jesus Christ and following him as our Savior and our Redeemer will influence every aspect of our lives, including all of our individual choices. Those who live according to Heavenly Father’s eternal plan will not want to absorb any information that is illicit or untoward, nor will they destroy their spiritual sensitivity through immoral acts or the consumption of any harmful substances. Neither will they search for doctrinal loopholes to find reasons to challenge the ordained leadership of the Church nor tamper with the simple truths of the gospel. They will not attempt to justify any lifestyle that is contrary to the plan of happiness. If they do any of these things, they will never find the inner peace and joy that living the gospel brings. All of our Father’s children can seek prayerfully to know who they are and can find real happiness if they obey God’s commandments and endure to the end” (in Conference Report, Apr. 1995, 31; or Ensign, May 1995, 24).
■ President Boyd K. Packer: “For some reason we think the Atonement of Christ applies only at the end of mortal life to redemption from the Fall, from spiritual death. It is much more than that. It is an ever-present power to call upon in everyday life. When we are racked or harrowed up or tormented by guilt or burdened with grief, He can heal us. While we do not fully understand how the Atonement of Christ was made, we can experience ‘the peace of God, which passeth all understanding’ [Philippians 4:7]” (in Conference Report, Mar.–Apr. 2001, 28; or Ensign, May 2001, 23).
■ Elder Richard G. Scott: “I promise you that through your obedience and continuing faith in Jesus Christ and your understanding of the whole plan of happiness, even if important parts of it aren’t fulfilled in your life now, they will be yours in the Lord’s due time. I also promise you that you can have significant growth and happiness now in your present circumstances. As a daughter or son of God, live whatever portion of the plan you can to the best of your ability” (in Conference Report, Oct. 1996, 102; or Ensign, Nov. 1996, 75).
■ “I give unto men weakness that they may be humble; and my grace is sufficient for all men that humble themselves before me; for if they humble themselves before me, and have faith in me, then will I make weak things become strong unto them” (Ether 12:27 [Scripture Mastery]).
■ “Come unto me, all ye that labour and are heavy laden, and I will give you rest.
“Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls.
“For my yoke is easy, and my burden is light” (Matthew 11:28–30).
■ Elder Bruce R. McConkie of the Quorum of the Twelve Apostles:
“Relying always on the Lord, we must become independent of the world. We must be self-reliant. Using the agency God has given us, we must work out our own economic and temporal problems.
“We are here on earth to work—to work long, hard, arduous hours, to work until our backs ache and our tired muscles knot, to work all our days. This mortal probation is one in which we are to eat our bread in the sweat of our faces until we return to the dust from whence we came.
“Work is the law of life; it is the ruling principle in the lives of the Saints. We cannot, while physically able, voluntarily shift the burden of our own support to others. Doles abound in evils. Industry, thrift, and self-respect are essential to salvation.
“We must maintain our own health, sow our own gardens, store our own food, educate and train ourselves to handle the daily affairs of life. No one else can work out our salvation for us, either temporally or spiritually.
“We are here on earth to care for the needs of our family members. Wives have claim on their husbands for their support, children upon their parents, parents upon their children, brothers upon each other, and relatives upon their kin” (in Conference Report, Mar.–Apr. 1979, 132; or Ensign, May 1979, 93).
■ Elder Richard G. Scott: “Oh, how I would encourage you to weave deeply into the fabric of your soul the recognition that your life now is a part of a much bigger plan the Lord has for you. You lived part of it in the premortal existence. You were valiant there and came here because you wanted to grow and enjoy greater happiness. What you decide to do now will affect how well you fulfill that divine, personal plan He has for you” (in Conference Report, Oct. 1999, 112; or Ensign, Nov. 1999, 87).
■ Elder Richard G. Scott: “Your Heavenly Father assigned you to be born into a specific lineage from which you received your inheritance of race, culture, and traditions. That lineage can provide a rich heritage and great reasons to rejoice. Yet you have the responsibility to determine if there is any part of that heritage that must be discarded because it works against the Lord’s plan of happiness” (in Conference Report, Apr. 1998, 112; or Ensign, May 1998, 86).
■ President Gordon B. Hinckley, fifteenth President of the Church: “You face great challenges that lie ahead. You are moving into a world of fierce competition. You must get all of the education you can. The Lord has instructed us concerning the importance of education. It will qualify you for greater opportunities. It will equip you to do something worthwhile in the great world of opportunity that lies ahead. If you can go to college and that is your wish, then do it. If you have no desire to attend college, then go to a vocational or business school to sharpen your skills and increase your capacity” (in Conference Report, Apr. 1997, 70; or Ensign, May 1997, 49–50).
President Marion G. Romney of the First Presidency said: “Some months ago I sat on an airplane beside a gentleman from the Far East. After exchanging a few pleasantries, he, responding to my inquiry, told me about his business activities. He then inquired about mine. This, of course, led to a gospel discussion. He had no religion, although he said his mother was a Christian. He had no concept of a God, no idea whether he had had a pre-earth existence or whether he would live on after death. He had no purpose in life except to work hard and obtain a ‘reasonable standard of living.’ After discussing a few fundamental gospel truths, he responded: ‘Such concepts would surely give one an objective to live for.’” (in Conference Report, Apr. 1976, 117; or Ensign, May 1976, 79).
Life is difficult for many people in the community where Carlos lives. As a recent convert to the Church, he is excited about his new-found religion. So many of life’s questions have now been answered for him. One thing still troubles him, however. Many people throughout the world and even in his own country have more material goods than the people he knows. He wonders why this is so. Why has God allowed so many good people to struggle for a living, even though we all chose His plan before coming to earth?
Throughout our lives we make many important decisions. Some decisions concern everyday matters in which we may not need the Lord’s direction on every detail. Yet the Lord has promised that we can turn to Him for help and guidance. The Holy Ghost performs a special mission in the plan of salvation to bless and inspire Heavenly Father’s children. We have been promised that “by the power of the Holy Ghost ye may know the truth of all things” (Moroni 10:5).
President Ezra Taft Benson, thirteenth President of the Church, explained: “The Holy Ghost is . . . a gift from Heavenly Father. The Holy Ghost helps you to choose the right. The Holy Ghost will protect you from evil. He whispers to you in a still, small voice to do right. When you do good, you feel good, and that is the Holy Ghost speaking to you. The Holy Ghost is a wonderful companion. He is always there to help you” (in Conference Report, Apr. 1989, 103; or Ensign, May 1989, 82).
This spiritual guidance is available in all aspects of our lives, including education, employment, and marriage.
■ “The Comforter, which is the Holy Ghost, . . . shall teach you all things, and bring all things to your remembrance, whatsoever I have said unto you” (John 14:26).
■ “Thou hast been enlightened by the Spirit of truth. . . .
“Did I not speak peace to your mind . . . ? What greater witness can you have than from God?” (D&C 6:15, 23).
■ “For behold, again I say unto you that if ye will enter in by the way, and receive the Holy Ghost, it will show unto you all things what ye should do” (2 Nephi 32:5).
■ Elder Robert D. Hales of the Quorum of the Twelve Apostles: “We need the Holy Ghost as our constant companion to help us make better choices in the decisions that confront us daily. Our young men and women are bombarded with ugly things of the world. Companionship with the Spirit will give them the strength to resist evil and, when necessary, repent and return to the strait and narrow path. None of us are immune from the temptations of the adversary. We all need the fortification available through the Holy Ghost. Mothers and fathers should prayerfully invite the Holy Spirit to dwell in their dedicated homes. Having the gift of the Holy Ghost helps family members make wise choices—choices that will help them return with their families to their Father in Heaven and His Son, Jesus Christ, to live with Them eternally” (in Conference Report, Oct. 2000, 6; or Ensign, Nov. 2000, 8).
■ Elder James E. Faust, then of the Quorum of the Twelve Apostles: “The Spirit of the Holy Ghost is the greatest guarantor of inward peace in our unstable world. It can be more mind-expanding and can make us have a better sense of well-being than any chemical or other earthly substance. It will calm nerves; it will breathe peace to our souls. This Comforter can be with us as we seek to improve. It can function as a source of revelation to warn us of impending danger and also help keep us from making mistakes. It can enhance our natural senses so that we can see more clearly, hear more keenly, and remember what we should remember. It is a way of maximizing our happiness” (in Conference Report, Apr. 1989, 41; or Ensign, May 1989, 32–33).
■ President James E. Faust of the First Presidency: “If worthy, those possessing this spiritual gift can come to enjoy greater understanding and enrichment and guidance in all of life’s activities, both spiritual and temporal. The Holy Ghost bears witness to us of the truth and impresses upon our souls the reality of God the Father and His Son, Jesus Christ, so surely that no earthly power or authority can separate us from that knowledge. Indeed, not having the gift of the Holy Ghost is somewhat like having a body without an immune system” (in Conference Report, Mar.–Apr. 2001, 73; or Ensign, May 2001, 58).
■ “He that is baptized in my name, to him will the Father give the Holy Ghost” (2 Nephi 31:12).
■ “God bestows [the Holy Ghost] on those who love him, and purify themselves before him” (D&C 76:116).
■ Elder Henry B. Eyring of the Quorum of the Twelve Apostles: “To have the Holy Ghost as your companion, you must be worthy, cleansed by the Atonement of Jesus Christ. So, your obedience to the commandments, your desire to do His will, and your asking in faith will determine how clearly the Master can guide you” (in Conference Report, Oct. 2002, 81; or Ensign, Nov. 2002, 76).
■ Elder Joseph B. Wirthlin of the Quorum of the Twelve Apostles:
“The Holy Ghost can be helpful to you in any righteous endeavor in which you are involved, including in school and among your friends.
“However, the principal mission of the Holy Ghost is to testify of our Heavenly Father and His Beloved Son, Jesus Christ. If you are careful in keeping the commandments, the Holy Ghost will help you learn more about Heavenly Father and Jesus Christ. He will enlighten your mind as you ponder and study the scriptures each day.
“The promptings of the Holy Ghost may come to you in a still, small voice. You cannot grow into the [person] you must become unless you first rise above the things of the world that clamor for your attention. For example, some of the world’s music is degrading, vulgar, and inappropriate and will drown out the promptings of the Holy Ghost. Bringing into your body substances forbidden by the Lord in the Word of Wisdom will prevent you from feeling and recognizing the promptings of the Holy Ghost.
“The failure to live a clean and chaste life deadens the promptings of the Spirit. Take your thoughts to higher levels than the vulgar and immoral. Avoid objectionable television shows and movies, evil Internet sites, and all forms of entertainment that portray or encourage immorality and violence. Shun pornography like a deadly, contagious sin and disease. You cannot afford to become addicted to its bondage and slavery. It will drive the Holy Ghost and His influence from your life” (in Conference Report, Oct. 1999, 52; or Ensign, Nov. 1999, 40–41).
■ Elder Dallin H. Oaks of the Quorum of the Twelve Apostles: “We become receptive to inspiration and revelation by obedience to the commandments of God, by prayer, and by attention to the teachings of the living prophets” (“Scripture Reading and Revelation,” Ensign, Jan. 1995, 7).
■ “Ask the Father in my name, in faith believing that you shall receive, and you shall have the Holy Ghost, which manifesteth all things which are expedient” (D&C 18:18).
■ “Ye receive the Spirit through prayer” (D&C 63:64).
■ President James E. Faust: “Some guidelines and rules are necessary if one is to be the recipient of revelation and inspiration. They include (1) to try honestly and sincerely to keep God’s commandments, (2) to be spiritually attuned as a receiver of a divine message, (3) to ask God in humble, fervent prayer, and (4) to seek answers with unwavering faith” (“Communion with the Holy Spirit,” Ensign, Mar. 2002, 5).
■ Elder Henry B. Eyring: “I have had prayers answered. Those answers were most clear when what I wanted was silenced by an overpowering need to know what God wanted. It is then that the answer from a loving Heavenly Father can be spoken to the mind by the still, small voice and can be written on the heart” (in Conference Report, Oct. 2000, 111; or Ensign, Nov. 2000, 86).
■ Elder Dallin H. Oaks:
“We do not always receive inspiration or revelation when we request it. Sometimes we are delayed in receiving revelation, and sometimes we are left to our own judgment and understanding based on study and reason. We cannot force spiritual things. It must be so. Our life’s purpose to obtain experience and to develop faith would be frustrated if our Heavenly Father enlightened us immediately on every question or directed us in every act. We must reach conclusions and make decisions and experience the consequences in order to develop self-reliance and faith.
“Even in decisions we think very important, we sometimes receive no answers to our prayers. This does not mean our prayers have not been heard. It only means we have prayed about a decision that, for one cause or another, we should make without guidance by revelation.
“Perhaps we have asked for guidance in choosing between alternatives that are equally acceptable or equally unacceptable. There is not a right and a wrong answer to every question. For many questions, there are only two wrong answers or two right answers. . . .
“No answer is likely to come to a person who seeks guidance in choosing between two alternatives that are equally acceptable to the Lord. Thus, there are times when we can serve productively in two different fields of labor. Either answer is right. Similarly, the Spirit of the Lord is not likely to give us revelations on matters that are trivial. . . . I believe the Lord expects us to make most of our decisions by using the intelligence and experience he has given us. When someone asked the Prophet Joseph Smith for advice on a particular matter, the Prophet stated: ‘It is a great thing to inquire at the hands of God, or to come into His presence: and we feel fearful to approach Him on subjects that are of little or no consequence’ [Teachings of the Prophet Joseph Smith, sel. Joseph Fielding Smith (1976), 22]” (The Lord’s Way [1991], 36–38).
■ Elder Richard G. Scott of the Quorum of the Twelve Apostles:
1. When will God answer our prayers?
“Across from me a woman sat sobbing. With tear-filled eyes, she told me, ‘I don’t know what I believe anymore.’ She spoke of having struggled and prayed many days to know how to make a vitally important decision in her life, without success. She anguished, ‘I don’t know what to do. If you’ll tell me what to do, I’ll do it.’ With her hand on the scriptures, she said, ‘God told us He would help us. He answers everybody else’s prayers. Why won’t He answer mine?’
“When one is caught in a whirlpool of emotion, it is difficult to find a way out alone. My prayer is to help you who have similar feelings.
“When answers to urgent prayer don’t seem to come, it may be that we don’t understand some truths about prayer, or because we don’t recognize answers when they come.
“Our Heavenly Father did not put us on earth to fail but to succeed gloriously. It may seem paradoxical, but that is why recognizing answers to prayer can sometimes be very difficult. Some face life with only their own experience and capacity to help them. Others seek, through prayer, divine inspiration to know what to do. When it is required, they qualify for power beyond their own capacity to do it.
“Communication with our Father in Heaven is not a trivial matter. It is a sacred privilege. It is based on unchanging principles. When we receive help from our Father in Heaven, it is in response to faith, obedience, and the proper use of agency.
“It is a mistake to assume that every prayer we offer will be answered immediately. Some prayers require considerable effort on our part. True, sometimes impressions come when we have not specifically sought them. They generally concern something we need to know and are not otherwise able to find out.
“We are here on earth to gain experience we can obtain in no other way. We are given the opportunity to grow, to develop, and to gain spiritual maturity. To do that, we must learn to apply truth. How we face challenges and resolve difficult problems is crucially important to our happiness.”
2. How should we pray?
“To better understand prayer, I have listened to the counsel of others, pondered the scriptures, and studied the lives of prophets and others. Yet what seems most helpful is seeing in my mind a child approaching trustingly a loving, kind, wise, understanding Father, who wants us to succeed.
“Don’t worry about your clumsily expressed feelings. Just talk to your Father. He hears every prayer and answers it in His way.
“When we explain a problem and a proposed solution, sometimes He answers yes, sometimes no. Often He withholds an answer, not for lack of concern, but because He loves us—perfectly. He wants us to apply truths He has given us. For us to grow, we need to trust our ability to make correct decisions. We need to do what we feel is right. In time, He will answer. He will not fail us.
“I have described the absolute reality of our relationship with our Father. There is nothing about us He does not know. He is conscious of our every need and could provide all of the answers. Yet, because His purpose is our eternal happiness, He encourages us to make the correct choices.
“Sometimes, like a child, we misbehave, act unwisely, and feel we cannot approach our Father with a problem. When communication is strained, how wonderful it is to have a Mediator who works things out when we obey His counsel and repent. Such is our Elder Brother, the Savior.”
3. How can we recognize when our prayers are answered?
“Perhaps Oliver Cowdery’s experiences were recorded for us to understand how to pray and how to recognize answer to prayer. Oliver was told:
“‘Assuredly as the Lord liveth, . . . even so surely shall you receive a knowledge of whatsoever things you shall ask in faith, with an honest heart, believing that you shall receive. . . .
“‘I will tell you in your mind and in your heart, by the Holy Ghost’ (D&C 8:1–2; italics added).
“When we receive an impression in our heart, we can use our mind either to rationalize it away or to accomplish it. Be careful what you do with an impression from the Lord.”
4. What role does faith play in receiving answers to our prayers?
“Oliver was further taught: ‘Remember that without faith you can do nothing; therefore ask in faith. Trifle not with these things; do not ask for that which you ought not. . . .
“‘According to your faith shall it be done unto you’ (D&C 8:10–11; italics added).
“‘Ask in faith’ means ask with confidence in our holy Father. Like many of us, Oliver did not recognize the evidence of answers to prayers already given by the Lord. To open his eyes and ours, this revelation was given through Joseph Smith:
“‘Blessed art thou for what thou hast done; for thou hast inquired of me, and behold, as often as thou hast inquired thou hast received instruction of my Spirit. If it had not been so, thou wouldst not have come to the place where thou art at this time.
“‘Behold, thou knowest that thou hast inquired of me and I did enlighten thy mind; and now I tell thee these things that thou mayest know that thou hast been enlightened by the Spirit of truth’ (D&C 6:14–15; italics added).
“If you feel that God has not answered your prayers, ponder these scriptures—then carefully look for evidence in your own life of His having already answered you.”
5. How do answers reach the heart and mind?
“To help each of us recognize answers given, the Lord said:
“‘If you desire a further witness, cast your mind upon the night that you cried unto me in your heart, that you might know concerning the truth of these things.
“‘Did I not speak peace to your mind concerning the matter?’ (D&C 6:22–23; italics added).
“The Lord provides further insight by counseling us to study a problem out in our mind and then to ask if it be right:
“‘If it is right I will cause that your bosom shall burn within you; therefore, you shall feel that it is right.
“‘But if it be not right you shall have no such feelings, but you shall have a stupor of thought’ (D&C 9:8–9; italics added).”
6. What if the answer we seek is slow in coming?
“It is vitally important to recognize that the Lord also responds a third way to prayer by withholding an answer when the prayer is offered. Why would He do that?
“He is our perfect Father. He loves us beyond our capacity to understand. He knows what is best for us. He sees the end from the beginning. He wants us to act to gain needed experience.
“When He answers yes, it is to give us confidence.
“When He answers no, it is to prevent error.
“When He withholds an answer, it is to have us grow through faith in Him, obedience to His commandments, and a willingness to act on truth. We are expected to assume accountability by acting on a decision that is consistent with His teachings without prior confirmation. We are not to sit passively waiting or to murmur because the Lord has not spoken. We are to act.
“Most often what we have chosen to do is right. He will confirm the correctness of our choices His way. That confirmation generally comes through packets of help found along the way. We discover them by being spiritually sensitive. They are like notes from a loving Father as evidence of His approval. If, in trust, we begin something which is not right, He will let us know before we have gone too far. We sense that help by recognizing troubled or uneasy feelings.”
7. How can we be more spiritually sensitive to the promptings of the Spirit?
“Nephi’s efforts to obtain the plates of brass show how the principles work. When the older brethren were asked to go, they murmured and received no help. Nephi was assured, ‘Thou shalt be favored of the Lord, because thou hast not murmured’ (1 Nephi 3:6). Nephi’s words ‘I will go and do’ reveal a positive commitment to act and to succeed by using spiritual law (1 Nephi 3:7).
“After two unsuccessful attempts, Nephi remained confident. He crept into the city toward the house of Laban without all the answers. He observed, ‘I was led by the Spirit, not knowing beforehand the things which I should do,’ significantly adding, ‘Nevertheless I went forth’ (1 Nephi 4:6–7; italics added).
“Nephi was willing to try time and again, using his best efforts. He expressed faith that he would be helped. He refused to be discouraged. But because he acted, had confidence in the Lord, was obedient, and properly used his agency, he received guidance. He was inspired step after step to success, and in his mother’s words was ‘given . . . power [to] accomplish the thing which the Lord hath commanded’ (1 Nephi 5:8; italics added).
“Nephi knew he was required to confide in God, to exercise faith, and to act so that he could receive help, step by step. He did not murmur nor ask for a full explanation. But, observe particularly, he did not wait passively for help. He acted! By following spiritual law, he was inspired and given power to act.”
8. How can we keep our personal desires from interfering with the influence of the Spirit?
“Sometimes answers to prayer are not recognized because we are too intent on wanting confirmation of our own desires. We fail to see that the Lord would have us do something else. Be careful to seek His will.
“I confess I don’t know how to make a correct decision except where there is righteousness and trust in a Heavenly Father. The principles simply will not work when agency is intentionally used at variance with the will of God. If there is unrepented sin, we are left to our own devices to flounder and struggle on our own. We can be rescued through our own repentance.”
9. In what way do answers come most frequently?
“When we seek inspiration to help make decisions, the Lord gives gentle promptings. These require us to think, to exercise faith, to work, to struggle at times, and to act. Seldom does the whole answer to a decisively important matter or complex problem come all at once. More often, it comes a piece at a time, without the end in sight.”
10. What role does gratitude to the Lord play in our prayers?
“I have saved the most important part about prayer until the end. It is gratitude! Our sincere efforts to thank our beloved Father generate wondrous feelings of peace, self-worth, and love. No matter how challenging our circumstances, honest appreciation fills our mind to overflowing with gratitude.
“Why is it that the most impoverished seem to know best how to thank the Lord? In the highlands of Guatemala, members barely subsist. Going to the temple requires great sacrifice. A visit takes a year of preparation. There is hard work, sacrifice to save money and food, the spinning, dyeing, and weaving of new clothing. There is the long, barefoot walk out of the mountains, the crossing of Lake Isabel, the bus rides with little food. Tired and worn, they arrive at the temple. They scrub until they shine, dress in their new clothing, and enter the house of the Lord.
“Reclothed in white, they are taught by the Spirit, receive ordinances, and make covenants. One highland woman was greatly touched by the spirit and meaning of the endowment. Entering the celestial room, she saw others seated, with heads reverently bowed. Innocently, she knelt at the entrance to the room, oblivious to others. She bowed her head, sobbed, and for twenty minutes poured out her heart to her Father in Heaven. Finally, with her dress soaked with tears, she raised her head. The sensitive temple matron asked, ‘May I help?’ She responded, ‘Oh, would you? This is my problem: I’ve tried to tell Father in Heaven of my gratitude for all of my blessings, but I don’t feel that I’ve communicated. Will you help me tell Him how grateful I am?’
“The counsel about prayer is true. I have tested it thoroughly in the laboratory of my own personal life. I have discovered that what sometimes seems an impenetrable barrier to communication is a giant step to be taken in trust.
“If you seek His help, be sure your life is clean, your motives are worthy, and you’re willing to do what He asks—for He will answer your prayers. He is your loving Father; you are His beloved child. He loves you perfectly and wants to help you.
“In the name of Jesus Christ, amen” (in Conference Report, Sept.–Oct. 1989, 38–41; or Ensign, Nov. 1989, 30–32).
Oliver Cowdery taught school in Palmyra, New York, during the time the Prophet Joseph Smith was translating the Book of Mormon in Harmony, Pennsylvania. Oliver learned of the Prophet’s work and was impressed that he should help. He traveled to Pennsylvania and began to serve as scribe to Joseph Smith. Several days later, Oliver asked Joseph to inquire of the Lord if Oliver was doing the right thing. In response, the Lord said: “Blessed art thou for what thou hast done; for thou hast inquired of me, and behold, as often as thou hast inquired thou hast received instruction of my Spirit. If it had not been so, thou wouldst not have come to the place where thou art at this time” (D&C 6:14). The Lord commended Oliver Cowdery for his personal prayers and taught that he had already been receiving answers to his prayers through the Spirit.
Emeka is just one month away from finishing high school. He has never thought much about what he will do after graduation. His attention had been focused on his studies, sports, and friends. Emeka’s family has limited resources and cannot support him financially if he goes to a university or trade school. He feels he is at a crossroads and that what he decides will have a dramatic effect on the rest of his life. He has always believed that if he worked hard and had a positive attitude, he would be successful in whatever he did. Now he is faced with several life-changing decisions beyond anything he has had to do before.
Goals can help us set a proper course in our lives and focus on worthy causes so that we are not “carried about with every wind of doctrine” (Ephesians 4:14). Elder Marvin J. Ashton, who was a member of the Quorum of the Twelve Apostles, said: “The direction in which we are moving is more important than where we are at the moment. Goal setting should cause us to stretch as we make our way” (in Conference Report, Oct. 1983, 87; or Ensign, Nov. 1983, 61).
With our goals in hand, it is important to use our time wisely. As the hymn states:
Time flies on wings of lightning;
We cannot call it back.
It comes, then passes forward
Along its onward track.
And if we are not mindful,
The chance will fade away,
For life is quick in passing.
’Tis as a single day.
[“Improve the Shining Moments,” Hymns, no. 226]
When we plan our lives and use our time wisely, the Lord will bless and magnify us to better serve in His kingdom.
■ “Thou shalt not idle away thy time, neither shalt thou bury thy talent that it may not be known” (D&C 60:13).
■ “For which of you, intending to build a tower, sitteth not down first, and counteth the cost, whether he have sufficient to finish it?” (Luke 14:28).
■ Bishop John H. Vandenberg, then Presiding Bishop of the Church: “I feel that goal-setting is absolutely necessary for happy living. But the goal is only part of the desired procedures. We need to know which roads to take to reach the goal. In many cases we set far-reaching goals but neglect the short-range ones. With such short-range plans, we need self-discipline in our actions—study when it is time to study, sleep when it is time to sleep, read when it is time to read, and so on—not permitting an undesirable overlap, but getting our full measure of rewards and blessings from the time we invest in a particular activity” (in Conference Report, Apr. 1966, 94).
■ Elder M. Russell Ballard of the Quorum of the Twelve Apostles:
“First, think about your life and set your priorities. Find some quiet time regularly to think deeply about where you are going and what you will need to do to get there. Jesus, our exemplar, often ‘withdrew himself into the wilderness, and prayed’ (Luke 5:16). We need to do the same thing occasionally to rejuvenate ourselves spiritually as the Savior did. Write down the tasks you would like to accomplish each day. Keep foremost in mind the sacred covenants you have made with the Lord as you write down your daily schedules.
“Second, set short-term goals that you can reach. Set goals that are well balanced—not too many nor too few, and not too high nor too low. Write down your attainable goals and work on them according to their importance. Pray for divine guidance in your goal setting” (in Conference Report, Apr. 1987, 15–16; or Ensign, May 1987, 14).
■ Elder Ben B. Banks, then of the Presidency of the Seventy, spoke of a bicycle trip he took with his family: “On day three of our journey, I learned that even though we may have some uphill struggles in our lives, our attitude will determine how we face them. On that day we crossed the Continental Divide three times, rising from an elevation of 4,800 feet to 8,300 feet. Climbing steep mountain passes on a bike requires the right attitude to get to the right altitude. It’s the same with life. By setting worthwhile goals and keeping your eyes fixed on them, you will learn self-discipline and accomplish much. Yes, there were times when climbing the steep mountain grades was as much as I could bear, but I didn’t give up, because I was fixed in my purpose” (in Conference Report, Apr. 2002, 50; or Ensign, May 2002, 43).
■ President Ezra Taft Benson, thirteenth President of the Church: “Every accountable child of God needs to set goals, short- and long-range goals. A man who is pressing forward to accomplish worthy goals can soon put despondency under his feet, and once a goal is accomplished, others can be set up. Some will be continuing goals. Each week when we partake of the sacrament we commit ourselves to the goals of taking upon ourselves the name of Christ, of always remembering him and keeping his commandments. Of Jesus’ preparations for his mission, the scripture states that he ‘increased in wisdom and stature, and in favour with God and man.’ (Luke 2:52.) This encompasses four main areas for goals: spiritual, mental, physical, and social. ‘Therefore, what manner of men ought ye to be?’ asked the Master, and he answered, ‘Verily I say unto you, even as I am.’ (3 Ne. 27:27.) Now, there is a lifetime goal—to walk in his steps, to perfect ourselves in every virtue as he has done, to seek his face, and to work to make our calling and election sure” (“Do Not Despair,” Ensign, Oct. 1986, 5).
■ Elder Joseph B. Wirthlin of the Quorum of the Twelve Apostles: “Marathon runners set explicit goals. You should look ahead now and decide what you want to do with your lives. Fix clearly in your mind what you want to be one year from now, five years, ten years, and beyond. Receive your patriarchal blessing and strive to live worthy of its promises. A patriarchal blessing is one of the most important guides in life that members of the Church enjoy. Write your goals and review them regularly. Keep them before you constantly, record your progress, and revise them as circumstances dictate. Your ultimate goal should be eternal life—the kind of life God lives, the greatest of all the gifts of God” (in Conference Report, Sept.–Oct. 1989, 92; or Ensign, Nov. 1989, 73).
■ Elder Marvin J. Ashton: “May we launch straightway toward setting goals that are gospel oriented, knowing that if we use the talents that are ours—that if we help others, strive for peace, avoid being overly sensitive or overly critical—strength upon strength will be added unto our own abilities and we will move straightway toward greater growth, happiness, and eternal joys” (in Conference Report, Apr. 1983, 44; or Ensign, May 1983, 32).
■ President Gordon B. Hinckley, fifteenth President of the Church: “Begin now to establish those goals which will bring you happiness—education in your chosen skill or branch of learning, whatever it may be; a mission in which to surrender yourself entirely to the Lord to do His work; future marriage in the house of the Lord to a wonderful and delightful companion of whom you will be worthy because of the way you have lived” (in Conference Report, Apr. 1997, 71; or Ensign, May 1997, 50).
■ “Be instructed more perfectly . . . of things both in heaven and in the earth, and under the earth; things which have been, things which are, things which must shortly come to pass; things which are at home, things which are abroad; the wars and the perplexities of the nations, and the judgments which are on the land; and a knowledge also of countries and of kingdoms” (D&C 88:78–79).
■ Elder Robert D. Hales of the Quorum of the Twelve Apostles: “Accomplish personal goals in each of four categories . . . : spiritual development; physical development; educational, personal, and career development; and citizenship and social development” (in Conference Report, Oct. 2001, 48; or Ensign, Nov. 2001, 39).
■ Elder G. Homer Durham of the Seventy:
“On January 2, 1891, a 19-year-old Norwegian immigrant sat down in his home in Logan City, Cache County, Utah Territory, and wrote the following lines on some lined paper:
“‘As I have come to fully realize; that, I am as weak as all other mortals—perhaps weaker than many; and realizing that happiness in life is only obtained by having a pure heart, a clear conscience; and fearing the Lord and keeping his commandments; also as I realize that happiness in old age consists of reviewing a life devoid from great sins; the gratification of noble desires manfully carried out; and finding that my life up to this time has not been as I should like it to have been: I lay down the following regulations by which I shall try to conduct my life hereafter; to which end may the Lord Almighty, my Creator, help me.’
“He then spelled out 17 resolutions. Nearly eight months later, on Tuesday, August 25, 1891, he copied them in a hardcover journal. Here he was to record his years of struggle as a stranger-student from Utah Territory at Harvard University in Cambridge, Massachusetts. He began by entering the 17 resolves that were to guide his life.
“‘Resolved:
“‘1st. That religion, the science of sciences, be made my chief concernment throughout life.
“‘2nd. That I will daily pray to God in secret.
“‘3rd. That I will daily reflect upon God and his attributes and try to become like him.
“‘4th. That I will receive Light, Wisdom or Knowledge, wherever or however it may be offered.
“‘5th. That I never be ashamed to acknowledge my principles, beliefs and religion when I once become fully convinced of their correctness.
“‘6th. That I never lose one moment of time but improve it.
“‘7th. That I maintain strict temperance in eating and drinking.
“‘8th. That I never do anything that I would not do were it the last hour of my life.
“‘9th. That I daily read the word of God, that I may learn his will and that I may be comforted, strengthened and encouraged by so doing.
“‘10th. That in any narrations I speak nothing but the pure and simple verity.
“‘11th. That I always do that which I think is my duty and for the best good for my fellow beings.
“‘12th. That I live with all my might while I do live, that I may not die a living death.
“‘13th. That I never by word or manner try to force my opinions on others but that I simply state them and offer my arguments against others!
“‘14th. That I seek to overcome the habit of being quick tempered, loud speaking, impatient motions and whatever might offend my fellowmen and hurt me.
“‘15th. That I never for a moment forget my duty towards my mother, she who has made me who I am and who will make what I will become, she who has spent the better portion of her life in my behalf and to whom I owe all the honor, respect, and affection that I can give; also that I always remember my duties toward my brother and all my friends and relations.
“‘16th. That I complete every task which I begin; also that I carefully consider my purpose and its results before taking upon me any duty.
“‘17th. That I always remember that the men and women I meet are my brothers and sisters and that I look to the beam in my own eye before attempting to remove the mote in my fellow’s eye.’
“It would be well if every young man and woman today would similarly evaluate his or her position in life. . . .
“The young man who wrote these lines . . . was John Andreas Widtsoe. . . .
“. . . In March 1921 he was called to the apostleship by President Heber J. Grant and continued in that position throughout a long and eventful life” (“Faith, the Greater Knowledge,” New Era, Aug. 1978, 4–6).
■ “And see that all these things are done in wisdom and order; for it is not requisite that a man should run faster than he has strength. And again, it is expedient that he should be diligent, that thereby he might win the prize; therefore, all things must be done in order” (Mosiah 4:27).
■ “Cease to be idle; cease to be unclean; cease to find fault one with another; cease to sleep longer than is needful; retire to thy bed early, that ye may not be weary; arise early, that your bodies and your minds may be invigorated” (D&C 88:124 [Scripture Mastery, D&C 88:123–24]).
■ President Thomas S. Monson of the First Presidency:
“Our house is to be a house of order. . . . Let us provide time for family, time for work, time for study, time for service, time for recreation, time for self—but above all, time for Christ.
“Then our house will be a house of order” (“Building Your Eternal Home,” Ensign, Oct. 1999, 5).
■ President Gordon B. Hinckley:
“Each of us has a fourfold responsibility. First, we have a responsibility to our families. Second, we have a responsibility to our employers. Third, we have a responsibility to the Lord’s work. Fourth, we have a responsibility to ourselves.
“First, it is imperative that you not neglect your families. Nothing you have is more precious. Your wives and your children are deserving of the attention of their husbands and fathers. When all is said and done, it is this family relationship which we will take with us into the life beyond. To paraphrase the words of scripture, ‘What shall it profit a man though he serve the Church faithfully and lose his own family?’ (see Mark 8:36).
“Together with them, determine how much time you will spend with them and when. And then stick to it. Try not to let anything interfere. Consider it sacred. Consider it binding. Consider it an earned time of enjoyment.
“Keep Monday night sacred for family home evening. Have an evening alone with your wife. Arrange some vacation time with the entire family.
“Two, to your business or your employer. You have an obligation. Be honest with your employer. Do not do Church work on his time. Be loyal to him. He compensates you and expects results from you. You need employment to care for your family. Without it you cannot be an effective Church worker.
“Three, to the Lord and His work. Budget your time to take care of your Church responsibilities. Recognize first that every officer has many helpers, as we have been reminded today. The stake president has two able counselors. The presidency has a high council of dedicated and able men. They have clerks as they need them. Every bishop has counselors. They are there to lift the burdens of his office from his shoulders. He has a ward council, together with others to whom he may and must delegate responsibility. He has the members of his ward, and the more he can delegate to them, the lighter will be his burden and the stronger will grow their faith.
“Every priesthood quorum president has counselors, as well as the membership of the quorum. It is so with the Relief Society. No bishop can expect to fill the shoes of his Relief Society president in ministering to the needs of the members of this ward.
“Four, every Church leader has an obligation to himself. He must get needed rest and exercise. He needs a little recreation. He must have time to study. Every Church officer needs to read the scriptures. He needs time to ponder and meditate and think by himself. Wherever possible he needs to go with his wife to the temple as opportunity permits” (“Rejoicing in the Privilege to Serve,” Worldwide Leadership Training Meeting, June 2003, 22–23).
■ Elder Neal A. Maxwell, then an Assistant to the Twelve: “I thank Jesus for foregoing fashionableness and for enduring not only the absence of appreciation but also for speaking the truth, knowing beforehand that misunderstanding and misrepresentation would follow. I thank him for his marvelous management of time, for never misusing a moment, including the moments of meditation. Even his seconds showed his stewardship” (in Conference Report, Apr. 1976, 41; or Ensign, May 1976, 27).
■ Elder John Longden, an Assistant to the Twelve: “Mere ‘busyness’ is not necessarily evidence of the wise use of time. There should be time for mental and spiritual development as well as relaxation: time for worship and time to express our thankfulness for our ability to work, and think, and pray, and read, and help, and dream, and laugh, and plan, and learn” (in Conference Report, Apr. 1966, 38).
■ President Spencer W. Kimball, twelfth President of the Church: “Jesus . . . taught us how important it is to use our time wisely. This does not mean there can never be any leisure, for there must be time for contemplation and for renewal, but there must be no waste of time. . . . Wise time management is really the wise management of ourselves” (The Teachings of Spencer W. Kimball, ed. Edward L. Kimball [1982], 482).
Suggestions for planning a day:
The Lord has given us many resources and blesses us as we use them wisely. We should exercise good judgment in managing and replenishing the resources with which the Lord has blessed us (see D&C 104:13–18). Paying an honest tithe and being honest in financial dealings will bring the Lord’s continued blessings.
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Tithing settlement |
■ “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.
“And I will rebuke the devourer for your sakes, and he shall not destroy the fruits of your ground; neither shall your vine cast her fruit before the time in the field, saith the Lord of hosts.
“And all nations shall call you blessed: for ye shall be a delightsome land, saith the Lord of hosts” (Malachi 3:10–12 [Scripture Mastery, Malachi 3:8–10]).
■ “Behold, now it is called today until the coming of the Son of Man, and verily it is a day of sacrifice, and a day for the tithing of my people; for he that is tithed shall not be burned at his coming” (D&C 64:23 [Scripture Mastery]).
■ President Gordon B. Hinckley, then Second Counselor in the First Presidency: “The fact is that tithing is the Lord’s law of finance. It came of revelation from him. It is a divine law with a great and beautiful promise. It is applicable to every member of the Church who has income. It is applicable to the widow in her poverty as well as to the wealthy man in his riches” (“The Widow’s Mite,” Brigham Young University 1985–86 Devotional and Fireside Speeches [1986], 9).
■ Elder Robert D. Hales of the Quorum of the Twelve Apostles:
“To those who faithfully and honestly live the law of tithing, the Lord promises an abundance of blessings. Some of these blessings are temporal, just as tithes are temporal. But like the outward physical ordinances of baptism and the sacrament, the commandment to pay tithing requires temporal sacrifice, which ultimately yields great spiritual blessings. . . .
“The temporal and spiritual blessings of tithing are specifically tailored to us and our families, according to the Lord’s will. But to receive them, we must obey the law upon which they are predicated [see D&C 130:20–21]” (in Conference Report, Oct. 2002, 28; or Ensign, Nov. 2002, 27).
■ Elder Ronald E. Poelman of the Seventy: “May tithing be regarded as a sacrifice? Yes, particularly if we understand the meaning of the two Latin words from which the English word sacrifice is derived. These two words, sacer and facere, taken together mean ‘to make sacred.’ That which we return to the Lord as tithing is indeed made sacred, and the obedient are edified” (in Conference Report, Apr. 1998, 103; or Ensign, May 1998, 78).
■ President Gordon B. Hinckley, then First Counselor in the First Presidency: “I do not say that if you pay an honest tithing you will realize your dream of a fine house, a Rolls Royce, and a condominium in Hawaii. The Lord will open the windows of heaven according to our need, and not according to our greed. If we are paying tithing to get rich, we are doing it for the wrong reason. The basic purpose for tithing is to provide the Church with the means needed to carry on the Lord’s work. The blessing to the giver is an ancillary return, and that blessing may not be always in the form of financial or material benefit” (“The Sacred Law of Tithing,” Ensign, Dec. 1989, 4).
■ Elder Joseph B. Wirthlin of the Quorum of the Twelve Apostles: “We must be honest with the Lord as we pay our tithes. Faithful Saints have learned that He will ‘open . . . the windows of heaven, and pour . . . out a blessing, that there shall not be room enough to receive it’ (Malachi 3:10). The payment of tithing has less to do with money, but more to do with faith. Let us return one-tenth of our income to the Lord (see D&C 119:4) and never be guilty of robbing him by failing to pay our tithes. Then, we also should remember those in need and contribute generous fast-offerings for their assistance” (in Conference Report, Mar.–Apr. 1990, 41; or Ensign, May 1990, 32).
■ President James E. Faust of the First Presidency: “The law of tithing is simple: we pay one-tenth of our individual increase annually [see D&C 119:4]. Increase has been interpreted by the First Presidency to mean income. What amounts to 10 percent of our individual income is between each of us and our Maker. There are no legalistic rules. As a convert in Korea once said: ‘With tithing, it doesn’t matter whether you are rich or poor. You pay 10 percent, and you don’t have to be ashamed if you haven’t earned very much. If you make lots of money, you pay 10 percent. If you make very little, you still pay 10 percent. Heavenly Father will love you for it. You can hold your head up proud.’” (in Conference Report, Oct. 1998, 73; or Ensign, Nov. 1998, 59).
■ “Pay the debt thou hast contracted with the printer. Release thyself from bondage” (D&C 19:35).
■ “And again, verily I say unto you, concerning your debts—behold it is my will that you shall pay all your debts” (D&C 104:78).
■ President J. Reuben Clark of the First Presidency: “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” (in Conference Report, Apr. 1938, 103).
■ President Gordon B. Hinckley, fifteenth President of the Church:
“We are carrying a message of self-reliance throughout the Church. Self-reliance cannot obtain when there is serious debt hanging over a household. One has neither independence nor freedom from bondage when he is obligated to others. . . .
“President Faust would not tell you this himself. Perhaps I can tell it, and he can take it out on me afterward. He had a mortgage on his home drawing 4 percent interest. Many people would have told him he was foolish to pay off that mortgage when it carried so low a rate of interest. But the first opportunity he had to acquire some means, he and his wife determined they would pay off their mortgage. He has been free of debt since that day. That’s why he wears a smile on his face, and that’s why he whistles while he works.
“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” (in Conference Report, Oct. 1998, 71–72; or Ensign, Nov. 1998, 53–54).
■ Elder James E. Faust, then of the Quorum of the Twelve Apostles: “Installment buying on easy terms has trapped many well-intentioned people into positions they did not foresee nor intend. Credit cards, charge cards, and consumer credit devices must be used very sparingly and wisely. Full payment with cash upon purchase is still sound policy in good times or bad because installments carry high interest” (“Doing the Best Things in the Worst Times,” Ensign, Aug. 1984, 43).
■ Elder L. Tom Perry of the Quorum of the Twelve Apostles: “Avoid excessive debt. Necessary debt should be incurred only after careful, thoughtful prayer and after obtaining the best possible advice. We need the discipline to stay well within our ability to pay. Wisely we have been counseled to avoid debt as we would avoid the plague. President J. Reuben Clark fearlessly and repeatedly counseled the members of the Church to take action: ‘Live within your means. Get out of debt. Keep out of debt. Lay by for a rainy day which has always come and will come again. Practice and increase your habits of thrift, industry, economy, frugality’ [in Conference Report, Oct. 1937, 107]” (Living with Enthusiasm [1996], 24; see “If Ye Are Prepared Ye Shall Not Fear,” Ensign, Nov. 1995, 36).
■ Elder Marvin J. Ashton of the Quorum of the Twelve Apostles:
“A debt-elimination calendar can help you reduce or eliminate unnecessary debt. Mark off several columns on a piece of paper. In the first column on the left, write the names of the months, beginning with the upcoming month. At the top of the next column, write the name of the creditor you want to pay off first. It may be the debt with the highest interest rate or the earliest pay-off date. List the monthly payment for that creditor until the loan is repaid as shown in the illustration. . . . At the top of the next column, record the name of the second creditor you want to repay, and list payments due each month. After you have repaid the first creditor, add the amount of that monthly payment to your payment to the second creditor. Continue the process until all loans are repaid” (“Guide to Family Finance,” Liahona, Apr. 2000, 45).
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■ “Recompense to no man evil for evil. Provide things honest in the sight of all men” (Romans 12:17).
■ “And they were also distinguished for their zeal towards God, and also towards men; for they were perfectly honest and upright in all things; and they were firm in the faith of Christ, even unto the end” (Alma 27:27).
■ Elder Thomas S. Monson, then of the Quorum of the Twelve Apostles: “In an issue of Nation’s Business, there appeared a comprehensive report entitled ‘What It Takes to Be Successful.’ The report was prepared by that magazine’s editors after exhaustive surveys to determine those traits which, when acquired and lived, will assure a leader’s success. Business leaders, educators, and consultants evaluated the qualities a leader needs most; and the final conclusion revealed that integrity, and such variations of it as honesty or moral soundness, was given first rank by virtually all participants in the survey. The leader who has integrity, who leads by example, will never suffer the scorn of disappointed youth who declare, ‘People are always telling us what to do but aren’t doing it themselves.’” (Be Your Best Self [1979], 116).
■ Elder Joseph B. Wirthlin:
“My father . . . was totally honest. He set a great example for the entire family.
“One time when I was about seven years old, my father sent me to a hardware store on an errand. He gave me five dollars, which in those days, could buy a great deal. When I arrived home and accounted for my purchases, he counted the change and discovered that the clerk had made a mistake and had given me one dollar too much. The store was about a mile from our home, but he insisted that I walk the entire distance back and return the money.
“This was a good lesson. . . . This is typical of the lessons of honesty he taught us children all during our childhood and teenage years” (Finding Peace in Our Lives [1995], 141–42).
■ “And again, verily I say unto you, that every man who is obliged to provide for his own family, let him provide, and he shall in nowise lose his crown; and let him labor in the church” (D&C 75:28).
■ Elder James E. Faust: “Budgeting money together will produce a special unity, as will the holding of family councils. We should work together toward storing a year’s supply of food, clothing, and other necessities. In times of stress extra acts of kindness are particularly needed and appreciated. When there is limited money available, it is easier to teach children the wise use of money, including the need to save for the future. The family can be reminded to maintain an eternal perspective rather than concentrate on worldly possessions and wealth. Family organizations are helpful to render the individual help that may be needed. It is also important to learn how to accept family help graciously” (in Conference Report, Oct. 1982, 130; or Ensign, Nov. 1982, 90).
■ Elder Gene R. Cook of the Seventy: “In family councils we have regularly reviewed parts of the family budget over which the children had some control, such as utilities, food, music lessons, educational costs, and so on. That has helped them realize that they couldn’t just have whatever they wanted in life but had to live within a budget. As they saw their family do that month after month, they naturally wanted to do the same. Then they found it easier to do so when they were on their own or married” (Raising Up a Family to the Lord [1993], 252).
■ President Spencer W. Kimball, twelfth President of the Church: “For two people to work out their marriage together, they need a carefully worked out budget, made by both husband and wife, and then careful adherence to the same. Many marriages are defeated in the marketplace when unscheduled purchases are made. Remember that marriage is a partnership and is not likely to be successful otherwise. There should be joint planning and joint disciplining of the family” (in Conference Report, Oct. 1975, 6; or Ensign, Nov. 1975, 6).
■ President Spencer W. Kimball: “Every family should have a budget. Why, we wouldn’t think of going one day without a budget in this Church or in our businesses. We have to know approximately what we may receive and we certainly must know what we are going to spend. And one of the successes of the Church would have to be that the Brethren watch these things very carefully, and we do not spend that which we do not have” (in Conference Report, Apr. 1975, 167).
■ Elder L. Tom Perry: “As regularly as you pay your tithing, set aside an amount needed for future family requirements” (in Conference Report, Sept.–Oct. 1995, 46; or Ensign, Nov. 1995, 36).
■ Elder Henry B. Eyring of the Quorum of the Twelve Apostles:
“The costs of buying a home, compared to average salaries, seem to be rising and jobs harder to hold. But there are other ways the young man and the young woman could think . . . about preparing to provide for that future family. Income is only one part of it. Have you noticed husbands and wives who feel pinched for lack of money, then choose ways to make their family income keep rising, and then find that the pinch is there whatever the income? There is an old formula you’ve heard, which goes something like this: Income five dollars and expenses six dollars: misery. Income four dollars and expenses three dollars: happiness.
“Whether the young man can provide and still be in the home and whether the young woman can be there to nurture children can depend as much on how they learn to spend as how they learn to earn. . . .
“Think carefully about what you really need in cars, and clothes, and recreation, and houses, and vacations, and whatever else you will someday try to provide for your children. . . . The difference in cost between what the world tells you is necessary and what your children really need could allow you the margin in time that a father and a mother might need with their children to bring them home to their Heavenly Father.
“Even the most frugal spending habits and the most careful planning for employment may not be enough to ensure success, but it could be enough to allow you the peace that comes from knowing you did the best you could to provide and to nurture” (The Family [CES fireside for college-age young adults, Nov. 5, 1995], 4–5).
■ Elder Marvin J. Ashton:
“Every family must have a predetermined understanding of how much money will be available each month and the amount to be spent in each category of the family budget. Checkbooks facilitate family cash management and record-keeping. Carefully record each check when written and balance the checkbook with the monthly bank statement.
“With the exception of buying a home, paying for education, or making other vital investments, avoid debt and the resulting finance charges. Buy consumer durables and vacations with cash. Avoid installment credit, and be careful with your use of credit cards. They are principally for convenience and identification and should not be used carelessly or recklessly. The use of multiple credit cards significantly adds to the risk of excess debt. Buy used items until you have saved sufficiently to purchase quality new items. Purchasing poor-quality merchandise almost always ends up being very expensive.
“Save . . . a specific percentage of your income” (One for the Money: Guide to Family Finance [pamphlet, 1992], 6).
Elder Marvin J. Ashton said:
“Recently I had the opportunity to visit with a choice young couple. They were to be married within the week. Their eyes sparkled in anticipation of the important event and with evidence of their continuing love for one another. Both had the advantages of college education, good homes, and cultural experiences. It was delightful to share their personalities, plans, and potentials. Their courtship already seemed appropriately launched on an eternal basis.
“During our interview, their responses to only one question gave me concern. I hope my anxieties and suggestions caused them to reassess their pending partnership.
“To the question, ‘Who is going to manage the money in your marriage?’ she replied, ‘He is, I guess.’ He responded, ‘We haven’t talked about that yet.’ These comments surprised and shocked me.
“How important are money management and finances in marriage and family affairs? May I respond, ‘Tremendously.’” (One for the Money, 1; or Ensign, July 1975, 72).
Elder Joe J. Christensen, then of the Presidency of the Seventy, said:
“For many years my father had a practice of trading for a new car every year. Then shortly after World War II when grain prices increased, we were surprised one day when Dad drove home in a more expensive car.
“One morning my mother asked, ‘How much more did the new car cost than the other one?’
“When Dad told her, my mother said, ‘Well, the other car has always been able to get me where I need to go. I think we ought to give the difference to someone who needs it more than we do.’
“And so it was. The next year Dad returned to the less-expensive cars, and they continued their generous ways.
“If we are not careful, it is easy for our wants to become needs” (in Conference Report, Apr. 1999, 8–9; or Ensign, May 1999, 9).
Serge and Nadine waited a long time to be married. They finished their schooling and both have medium-level jobs. They were used to living on a tight budget. Now that they have more money, each begins to purchase items they feel they need and have always wanted. They notice that their purchases are often more expensive than they realized. Often when one buys something, the other feels obligated to buy something else. Gradually they begin to accumulate debts. Last week, Nadine learned that she is expecting a baby. She has always planned to be a full-time mother.
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A budget helps you plan and evaluate your expenditures.
Budget for a specified period (such as weekly, biweekly, monthly), according to your pay schedule.
Balance income with expenditures, and spend less than you earn.
Faith in the Lord Jesus Christ is the first principle of the gospel (see Articles of Faith 1:4). As we trust in the Lord and seek His help in both spiritual and temporal matters, we receive His assistance and blessings.
In addition to having faith in Jesus Christ, we must do all we can to accomplish our righteous desires. Sometimes this takes long periods of faithful living and great effort on our part. Moroni taught that we “receive no witness until after the trial of [our] faith” (Ether 12:6). When we work, pray, and endure with faith in Jesus Christ to improve our conditions, the Lord will help us.
■ “Because of your diligence and your faith and your patience with the word in nourishing it, . . . by and by ye shall pluck the fruit thereof, which is most precious” (Alma 32:42).
■ “Trust in the Lord with all thine heart; and lean not unto thine own understanding.
“In all thy ways acknowledge him, and he shall direct thy paths” (Proverbs 3:5–6 [Scripture Mastery]).
■ Elder Henry D. Taylor, an Assistant to the Twelve: “My beloved brothers and sisters, the Lord does keep his promises. He truly opens the windows of heaven and pours out his blessings upon those who are faithful and who obey his commandments but it will be done in his own way. These blessings may come in a financial or temporal way or may be realized by a spiritual outpouring, bringing strength, peace, and comfort. His blessings may come in unusual and unexpected ways so that at the time we may not even recognize them as blessings; but the promises of the Lord will be kept” (in Conference Report, Apr. 1974, 158; or Ensign, May 1974, 108).
■ Elder Robert D. Hales of the Quorum of the Twelve Apostles: “It takes great faith and courage to pray to our Heavenly Father, ‘Not as I will, but as thou wilt.’ The faith to believe in the Lord and endure brings great strength. Some may say if we have enough faith, we can sometimes change the circumstances that are causing our trials and tribulations. Is our faith to change circumstances, or is it to endure them? Faithful prayers may be offered to change or moderate events in our life, but we must always remember that when concluding each prayer, there is an understanding: ‘Thy will be done’ (Matthew 26:42). Faith in the Lord includes trust in the Lord. The faith to endure well is faith based upon accepting the Lord’s will and the lessons learned in the events that transpire” (in Conference Report, Apr. 1998, 101; or Ensign, May 1998, 77).
■ President Thomas S. Monson of the First Presidency: “Should there be anyone who feels he is too weak to change the onward and downward course of his life, or should there be those who fail to resolve to do better because of that greatest of fears, the fear of failure, there is no more comforting assurance to be had than the words of the Lord: ‘My grace,’ said He, ‘is sufficient for all men that humble themselves before me; for if they humble themselves before me, and have faith in me, then will I make weak things become strong unto them’ [Ether 12:27]” (in Conference Report, Apr. 2000, 61–62; or Ensign, May 2000, 48).
■ President Spencer W. Kimball, then President of the Quorum of the Twelve Apostles: “It takes faith—unseeing faith—for young people to proceed immediately with their family responsibilities in the face of financial uncertainties. It takes faith for the young woman to bear her family instead of accepting employment, especially when schooling for the young husband is to be finished. It takes faith to observe the Sabbath when ‘time and a half’ can be had working, when profit can be made, when merchandise can be sold. It takes a great faith to pay tithes when funds are scarce and demands are great. It takes faith to fast and have family prayers and to observe the Word of Wisdom. It takes faith to do home teaching, stake missionary work, and other service, when sacrifice is required. It takes faith to fill full-time missions. But know this—that all these are of the planting, while faithful, devout families, spiritual security, peace, and eternal life are the harvest” (Faith Precedes the Miracle [1972], 11; see Conference Report, Oct. 1952, 50–51).
■ Elder Howard W. Hunter, then of the Quorum of the Twelve Apostles: “We need to study the simple fundamentals of the truths taught by the Master and eliminate the controversial. Our faith in God needs to be real and not speculative. The restored gospel of Jesus Christ can be a dynamic, moving influence. . . . One of the great strengths of the Mormon religion is this translation of belief into daily thinking and conduct” (in Conference Report, Oct. 1970, 131–32).
■ “I, the Lord, have decreed to provide for my saints. . . .
“For the earth is full, and there is enough and to spare” (D&C 104:16–17).
■ “Ask, and it shall be given you; seek, and ye shall find; knock, and it shall be opened unto you” (Matthew 7:7).
■ President Brigham Young, second President of the Church: “My faith does not lead me to think the Lord will provide us with roast pigs, bread already buttered, etc.; he will give us the ability to raise the grain, to obtain the fruits of the earth, to make habitations, to procure a few boards to make a box, and when harvest comes, giving us the grain, it is for us to preserve it—to save the wheat until we have one, two, five, or seven years’ provisions on hand, until there is enough of the staff of life saved by the people to bread themselves and those who will come here seeking for safety” (Discourses of Brigham Young, sel. John A. Widtsoe [1941], 291–92).
■ Elder Richard G. Scott of the Quorum of the Twelve Apostles: “I testify that within your own personal sphere of activity and framework of responsibilities, the Lord will provide . . . help. When needed and earned, you can enjoy divine inspiration to know what to do and, when necessary, power or capacity to accomplish it. Joseph Smith learned how to perfect the ability to follow the guidance of the Lord by practiced, personal discipline. He did not let his own desires, convenience, or the persuasions of men interfere with that compliance as he grew and was schooled by the Lord in how to do the tasks given him. Let us follow his example” (in Conference Report, Oct. 1999, 114; or Ensign, Nov. 1999, 88–89).
■ “For behold, it is not meet that I should command in all things; for he that is compelled in all things, the same is a slothful and not a wise servant; wherefore he receiveth no reward.
“Verily I say, men should be anxiously engaged in a good cause, and do many things of their own free will, and bring to pass much righteousness;
“For the power is in them, wherein they are agents unto themselves. And inasmuch as men do good they shall in nowise lose their reward” (D&C 58:26–28 [Scripture Mastery, D&C 58:26–27]).
■ Elder Bruce R. McConkie of the Quorum of the Twelve Apostles:
“We’re faced with two propositions. One is that we ought to be guided by the spirit of inspiration, the spirit of revelation. The other is that we’re here [on earth] under a direction to use our agency, to determine what we ought to do on our own; and we need to strike a fine balance between these two. . . .
“. . . Implicit in asking in faith is the precedent requirement that we do everything in our power to accomplish the goal that we seek. We use the agency with which we have been endowed. We use every faculty and capacity and ability that we possess to bring about the eventuality that may be involved. . . .
“. . . We’re expected to do everything in our power that we can, and then to seek an answer from the Lord, a confirming seal that we’ve reached the right conclusion” (“Agency or Inspiration—Which?” Speeches of the Year: BYU Devotional Addresses, 1972–73 [1973], 109–10, 113).
■ Elder Russell M. Nelson of the Quorum of the Twelve Apostles: “Each President of the Church, armed with the Holy Ghost as a constant companion, inherits an enormous workload at an age when most men would be retired. President Hinckley sets a pace that is unprecedented. . . . His strenuous schedule is driven by his determination to be ‘anxiously engaged’ in building the kingdom of God. Often I have heard him say, ‘I don’t know how to get anything done except getting on my knees and pleading for help and then getting on my feet and going to work.’ Unshakable faith, hard work, and contagious optimism epitomize our prophet” (in Conference Report, Oct. 1997, 18; or Ensign, Nov. 1997, 16).
■ Elder Joseph B. Wirthlin of the Quorum of the Twelve Apostles: “We cannot be double minded in our relationships with husband or wife, parents or children. Are we going to savor the enjoyment of our children after they are a little older and we are not so busy? What about the valued friendships that fade because of the thoughtful, lengthy letters we plan to write but never finish and send? Are we faithful in going to our temples regularly? Consider the books we are going to read, the impulses to kindness we are going to act upon, and the good causes we are going to espouse. Are we always packing our bags with the things we value most in life but never leaving on the trip? Does tomorrow never come? Let us resolve to begin to live today—not tomorrow, but today—this hour while we yet have time” (in Conference Report, Apr. 1998, 18; or Ensign, May 1998, 16).
■ President James E. Faust of the First Presidency: “Believing requires action. If you prepare to walk down the path of life, you can be rewarded beyond your dreams and expectations. But to achieve this, you must work very hard, save, be wise, and be alert. You must learn to deny yourselves of worldly gratification. You must be faithful in paying tithes; you must keep the Word of Wisdom; you must be free from other addictions. You must be chaste and morally clean in every respect. You should accept and be faithful in all of the calls that come to you. Steadiness and toil will serve you better than brilliance” (in Conference Report, Oct. 1997, 59; or Ensign, Nov. 1997, 43).
■ “And if men come unto me I will show unto them their weakness. . . . For if they humble themselves before me, and have faith in me, then will I make weak things become strong unto them” (Ether 12:27 [Scripture Mastery]).
■ “Wherefore, be faithful; . . . succor the weak, lift up the hands which hang down, and strengthen the feeble knees” (D&C 81:5).
■ President Gordon B. Hinckley, fifteenth President of the Church:
“With good employment skills, . . . young men and women can rise out of the poverty they and generations before them have known. They will better provide for their families. They will serve in the Church and grow in leadership and responsibility. . . . As faithful members of the Church, they will pay their tithes and offerings, and the Church will be much the stronger for their presence in the areas where they live. . . .
“. . . The likelihood of their remaining faithful and active throughout their lives will be very high” (in Conference Report, Mar.–Apr. 2001, 68–69; or Ensign, May 2001, 52–53).
■ Elder Marvin J. Ashton of the Quorum of the Twelve Apostles: “We need to know how, what, where, and why to change. The gospel of Jesus Christ can help us set short-term, intermediate, and long-term goals by teaching us who we are, where we came from, why we are here, and where we are going. With this knowledge, a person will have greater strength to improve” (in Conference Report, Oct. 1979, 89; or Ensign, Nov. 1979, 62).
■ President Gordon B. Hinckley:
“It is our solemn obligation, it is our certain responsibility, my brethren, to ‘succor the weak, lift up the hands which hang down, and strengthen the feeble knees’ (D&C 81:5). We must help them to become self-reliant and successful.
“I believe the Lord does not wish to see His people condemned to live in poverty. I believe He would have the faithful enjoy the good things of the earth. He would have us do these things to help them. And He will bless us as we do so. For the success of this undertaking I humbly pray, while soliciting your interest, your faith, your prayers, your concerns in its behalf” (in Conference Report, Mar.–Apr. 2001, 69–70; or Ensign, May 2001, 53).
■ Elder Henry B. Eyring of the Quorum of the Twelve Apostles: “It is love that must motivate the shepherds of Israel. That may seem difficult at the start, because we may not even know the Lord well. But if we begin with even a little grain of faith in Him, our service to the sheep will increase our love for Him and for them. It comes from simple things that every shepherd must do. We pray for the sheep, every one for whom we are responsible. When we ask, ‘Please tell me who needs me,’ answers will come. A face or a name will come into our minds. Or we may have a chance meeting that we feel isn’t chance. In those moments we will feel the love of the Savior for them and for us. As you watch over His sheep, your love for Him will grow. And that will increase your confidence and your courage” (in Conference Report, Mar.–Apr. 2001, 51; or Ensign, May 2001, 40).
■ President Harold B. Lee, eleventh President of the Church: “You cannot lift another soul until you are standing on higher ground than he is. You must be sure, if you would rescue the man, that you yourself are setting the example of what you would have him be. You cannot light a fire in another soul unless it is burning in your own soul. . . . Who of us, in whatever station we may have been in, have not needed strengthening?” (in Conference Report, Apr. 1973, 178–79; or Ensign, July 1973, 123).
Fernando’s family has lived in the same town for many years. Life has changed relatively little over many generations. When Fernando was seventeen, his family was taught the gospel and joined the Church. Fernando wants to know what he can do to better prepare for the future.
Mary has been active in the Church all her life. She has a strong testimony of the gospel and has felt that her prayers have been answered many times. She has great confidence and faith in the Lord. For the past two years she has been praying about which job she should seek. She continues to go into more debt waiting for answers.