Adversity is the refiner's fire that bends iron but tempers steel.

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.

One of the main problems in families today is that we spend less and less time together.... Time together is precious time-time needed to talk, to listen, to encourage, and to show how to do things.

Our natural gifts and abilities are limited, but when augmented by inspiration and guidance of the Holy Ghost, our potential increases many fold.

President Hinckley's strong, continuing challenge to us is retention, which requires full cooperation between the missionary, the leaders and members.

Each of us is a unique creation of our Heavenly Father. No two of us are completely alike. No one else has exactly the same gifts and talents that we have been given. We should increase those talents and gifts and use them to leverage our uniqueness.

You cannot convert people beyond your own conversion.