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.
Thomas S. MonsonRecent surveys of Church members have shown a serious erosion in the number of families who have a year's supply of life's necessities. Most members plan to do it. Too few have begun... It is our sacred duty to care for our families, including our extended families.
Thomas S. Monson