I urge you to live within your means. One cannot spend more than one earns and remain solvent. I promise you that you will then be happier than you would be if you were constantly worrying about how to make the next payment on nonessential debt.

Life by the yard is hard; by the inch it's a cinch. Decisions Determine Destiny.

Difficulties allow us to change for the better.

Help others in their race of life. Remember that when you help another up a mountain, you are a little nearer the top yourself.

Choose your friends with caution. Plan your future with purpose. Frame your life with faith.

Our Heavenly Father is aware of our needs and will help us as we call upon Him for assistance. I believe that no concern of ours is too small or insignificant. The Lord is in the details of our lives.

Ours is the responsibility to keep our light bright for others to see and follow.