“* Be ready for rainy-day emergencies * Avoid excessive debt; be content with what we have * Use the resources of the earth wisely; don´t be wasteful * Prepare for the future by making spending and savings plans * Keep a family or personal budget * Teach children wise spending habits and help them save for the future * Obtain an education or vocational training * Find gainful employmentAs we become self-reliant, we will be prepared to face challenges with confidence and peace of mind.”

“Gratitude brings a peace that helps us overcome the pain of adversity and failure. Gratitude on a daily basis means we express appreciation for what we have now without qualification for what we had in the past or desire in the future. A recognition of and appreciation for our gifts and talents which have been given also allows us to acknowledge the need for help and assistance from the gifts and talents possessed by others.”

“Gratitude on a daily basis means we express appreciation for what we have now without qualification for what we had in the past or desire in the future.”

“In some quiet way, the expression and feelings of gratitude have a wonderful cleansing or healing nature. Gratitude brings warmth to the giver and the receiver alike. Gratitude expressed to our Heavenly Father in prayer for what we have brings a calming peace—a peace which allows us to not canker our souls for what we don’t have.”

“Our challenges, including those we create by our own decisions, are part of our test in mortality. Let me assure you that your situation is not beyond the reach of our Savior. Through Him, every struggle can be for our experience and our good (see D&C 122:7). Each temptation we overcome is to strengthen us, not destroy us. The Lord will never allow us to suffer beyond what we can endure (see 1 Corinthians 10:13). We must remember that the adversary knows us extremely well. He knows where, when, and how to tempt us. If we are obedient to the promptings of the Holy Ghost, we can learn to recognize the adversary’s enticements. Before we yield to temptation, we must learn to say with unflinching resolve, “Get thee behind me, Satan” (Matthew 16:23). Our success is never measured by how strongly we are tempted but by how faithfully we respond. We must ask for help from our Heavenly Father and seek strength through the Atonement of His Son, Jesus Christ. In both temporal and spiritual things, obtaining this divine assistance enables us to become provident providers for ourselves and others.”

“We learn to endure to the end by learning to finish our current responsibilities, and we simply continue doing it all of our lives. We cannot expect to learn endurance in our later years if we have developed the habit of quitting when things get difficult now.”

“Ingratitude is the attitude of being unaware or not recognizing when someone has assisted us or helped us or, even worse, when we know we have been helped and have not given thanks privately or publicly.”