“* 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.”

Robert D. Hales

Robert D. Hales - “* Be ready for rainy-day emergencies...” 1

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