Wednesday, July 24, 2013

Finances: 5 Principles of Economic Constancy


“I would like to explain five principles of economic constancy.
Constancy #1: Pay an honest tithing
I often wonder if we realize that paying our tithing does not represent giving gifts to the Lord and the Church. Paying tithing is discharging a debt to the Lord. The Lord is the source of all our blessings, including life itself….

Constancy #2: Live on less than you earn. 
I have discovered that there is no way that you can ever earn more than you can spend. I am convinced that it is not the amount of money an individual earns that brings peace of mind as much as it is having control of his money. Money can be an obedient servant but a harsh taskmaster. Those who structure their standard of living to allow a little surplus, control their circumstances. Those who spend a little more than they earn are controlled by their circumstances. They are in bondage….

Constancy #3: Learn to distinguish between needs and wants. 
Consumer appetites are man-made. Our competitive free enterprise system produces unlimited goods and services to stimulate our desire to want more convenience and luxuries. I do not criticize the system or the availability of these goods or services. I am only concerned about our people using sound judgment in their purchases. We must learn that sacrifice is a vital part of our eternal discipline....

Constancy #4: Develop and live within a budget.
It has been my observation in interviewing many people through the years that far too many people do not have a workable budget and have not disciplined themselves to abide by its provisions. Many people think a budget robs them of their freedom. On the contrary, successful people have learned that a budget makes real economic freedom possible. Budgeting and financial management need not be overly complicated or time-consuming…

Constancy #5: Be honest in all your financial affairs. 
The ideal of integrity will never go out of style. It applies to all we do. As leaders and members of the Church, we should be the epitome of integrity."


President N Eldon Tanner, “Constancy Amid Change”, October 1979 General Conference
Read full address here.

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