Ours is the responsibility to show our gratitude by the actions of our lives.

Should there be anyone who feels he is too weak 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 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)

May we be people of honesty and integrity trying to do the right thing at all times and in all circumstances.

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.

The battle for self-discipline may leave you a bit bruised and battered but always a better person. Self-discipline is a rigorous process at best; too many of us want it to be effortless and painless. Should temporary setbacks afflict us, a very significant part of our struggle for self-discipline is the determination and the courage to try again....Eternal life in the kingdom of our Father is your goal, and self-discipline will surely be required if you are to achieve it.

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.

We become so caught up in the busyness of our lives. Were we to step back, however, and take a good look at what we’re doing, we may find that we have immersed ourselves in the “thick of thin things.” In other words, too often we spend most of our time taking care of the things which do not really matter much at all in the grand scheme of things, neglecting those more important causes.