A thought from the scriptures
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"Verily I say unto you, concerning your debts — behold it is my will that you shall pay all your debts." — Doctrine and Covenants 104:78
"My brothers and sisters, avoid the philosophy that yesterday's luxuries have become today's necessities," said President Thomas S. Monson during the April 2006 general conference. "They aren't necessities unless we make them so. Many enter into long-term debt only to find that changes occur: people become ill or incapacitated, companies fail or downsize, jobs are lost, natural disasters befall us. For many reasons, payments on large amounts of debt can no longer be made. ...
"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."
