This post is part of the General Conference Odyssey. This week covers the Saturday morning session of the April 2009 conference.
It's hard to believe that twenty years ago I was a presenter at BYU Women's Conference. The subject was "Facing Financial Challenges through Provident Living." At the time my husband was in his last year at BYU, we had five children ages 16 to 7, and we were the proverbial starving student family. (We advised all our children to go to college while young because babies don't feel poor, but teens sure feel the pinch.) I had given a class at a Relief Society activity in our ward at which our Stake RS president also taught a class. Turns out she was on one of the BYU conference committees and when the subject of provident living was chosen she said she knew just the right sister to present on that subject. I got a letter in the mail in December inviting me to do so. I burst into tears! Then in January at our first information meeting we were told that all our names had to be cleared with the prophet and president of the church, at the time Gordon B. Hinckley, and I cried all over again. It turned out to be among the best experiences I've ever had. (I have often wished I could do it again.)
In this General Conference sessions Elder Robert D. Hales addressed the same subject. (And said many of the same things I did; so nice to be in sync with an apostle!)
. . . for both debt and addiction, the hopeful solution is the same--we must turn to the Lord and follow His commandments. We must want more than anything else to change our lives so that we can break the cycle of debt and our uncontrolled wants. . . . you will be filled with hope in our Savior, Jesus Christ, and find hope in the doctrines of His restored gospel.
He talked about the challenge of overcoming temptations. "Each temptation we overcome is to strengthen us, not destroy us. . . . 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."
Elder Hales gives examples from his own experience about lessons learned. First was being told by his wife that they couldn't afford the beautiful dress he wanted her to have. "I have learned that the three most loving words are 'I love you,' and the four most caring words for those we love are 'We can't afford it.'"
Second, later when they were more financially secure he wanted to buy his wife a lovely fur coat during a time when she was a ward Relief Society president helping to minister to needy families. She asked, "Are you buying this for me or for you?" She wanted to know if "the purpose of the gift [is] to show your love for me, or to show me that you are a good provider or to prove something to the world?"
He says "These two lessons are the essence of provident living. When faced with the choice to buy, consume, or engage in worldly things and activities, we all need to learn to say to one another, 'We can't afford it, even though we want it!' or 'We can afford it but we don't need it--and we really don't even want it.'"
Plenty of people complain today about not being able to afford a home yet are mired in debt for things they can't even remember, meals, outings, movies, drinks, clothes, and such. The shackles of student loan debt is another example of the consequences of not following the counsel of God to stay out of debt.
I invite you to come unto Him and hear His words: "Wherefore, do not spend money for that which is of no worth, nor your labor for that which cannot satisfy. Hearken diligently unto me, and remember the words which I have spoken; and come unto the Holy One of Israel, and feast upon that which perisheth not, neither can be corrupted." (2 Nephi 9:51)
This was a memorable talk that has become one of the classics referred to again and again. There is even a little video made from the story about buying the dress.
I have such a strong testimony of the blessings that come from living the Lord's financial commandments. I saw it in my parent's lives, as well as good friends whom I've known for many years. I've also seen in my own marriage what happens when choices are disobedient to the commandments. It's not pleasant. Thank God we have the gifts of repentance, forgiveness and second chances.