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Want To Know A Secret?!

Secrets of Managing Personal Finances B-U-D-G-E-T We are all looking for that one-size-fits-all solution to our budgeting woes—like checking the boxes and magically watching the budget balance itself. That’s not ever going to happen. Budgets are as personal as each of us. And your unique family situation, needs, income, and location make it impossible to create a tool that will balance your budget for you. So here’s the secret: You have to create your budget yourself. You have to watch it weekly, and you may have to change a few of your spending habits. No one said it would be easy. But the peace of mind is worth it. So the first question is “Can you change?” Let’s look at the tips for changing behavior before we lay down the laws of budgeting… 1-    Recruit others to help you change-your spouse, your friends, and your coworkers. 2-    Create reminders. Make cards that say “Do I really need this?” Put them in your wallet, on your refrigerator and...
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Communication

I recently had an encounter where I had asked my friend to substitute as chorister for me because I would be out of town. I simply asked him if he would lead for that meeting and he agreed. When the meeting was coming to a close, my roommate asked me “who was supposed to lead?” I was really confused because I had had it covered. My friend was sitting in the audience but never got up and led the music. Afterwards I asked him what happened. And he said that he thought someone was going to come up to him and inform him that he was leading that day. It was a miscommunication on both of our parts! I assumed he would just do it, and he assumed that someone would talk to him about it. I learned my lesson and now I’ll have to make sure they understand it completely. I love this talk given by Elder Marvin J. Ashton in April 1976 about communication. He gives 7 steps to better our communication. “Communications in the family will often be a sacrifice because we are expected to use our time,...
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What is gender?

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