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Please click on the link below and read how you can make wise financial management choices during these difficult economic times.

Although this may be an old news story, the information is still very applicable today.

I rediscovered this story when I was going through some old saved emails and thought you might appreciate this article.

http://newsroom.lds.org/ldsnewsroom/eng/news-releases-stories/wise-financial-management-during-tough-economic-times

Yes, we live in hard times with speculation suggesting that things will become much worse.  We cannot fret and worry about it, nothing good will come from it. Instead, we must do the best we can to prepare so we will respond appropriately to a situation. We respond best when we understand the problems we face, determine how we can meet the conditions we face, and come up with plans to deal with whatever we face now and in the future.

No one will come through the days ahead unscathed by the difficulties! However, the better we understand the challenges expected and prepare the best we can, the better we will be able to handle whatever we might face. This will definately be a blessing to us and our families.

Please, do not try to face your trials alone; there is no good reason for it.  We all should have the type of friends in our associations that see things from our perspective and will work with us in making wise plans.

We should be able to plan and pool together our knowledge, skills, and resources in order to face our trials . For example: My husband has collected several dutch ovens and a supply of charcoals. We have a friend or family member who has food items, so we cook their food in our ovens and share the meal. More and more frequently, out of necessity, we will see this sort of cooperation taking place!

We all have knowledge, talents, skills, and resources that we can share if we have a mindset to do so.  Speak with your close family members and friends and see what you and they have that can be pooled during these times. This is how our pioneers were able to get through hard times during the days of the Old Wild West and other times in history?  It is healthy for society when people to combine what they have and share it with someone in need.

Have you thought about what you have to share with those you trust and what they have to share with you as well? If you have not thought about it before, perhaps you will now.  As I said before, there is no need to face trials alone. We were created to need each other and have talents and gifts given to us by our creator to share with people to make their lives better. If we do not use them for this purpose, we may lose them. Life will feel unsatisfying and we will not feel content in the live we live. Remember this when you see an opportunity to help someone who needs what you have and make the choice to help.

I would love to hear your stories and how you or your ancestors made it through difficult times by combining their resources.

My love and prayers are with you as you make plans for handling the recession and/or your personal crisis.

Written By Judith Sherman

Check out these links to see how they forecast this winter in your area: http://www.farmersalmanac.com/

http://pugetsoundblogs.com/

What does it mean to be prepared for the winter?

• It means to have food stored in case power goes out or the roads close and you can’t get out to buy food.
• It means you need to know how you will keep your family warm if the power goes out.
  *Do you have enough wood stored to burn in your fireplace?
  *Do you have coal chips stored to burn with wood to make more heat or replace wood?
  *Do you have extra blankets stored?
  *Do you have dutch ovens stored to cook warm food and heat water for hot drinks?
• It means you plan your finances to cover extra expenses that are not planned for in a budget.
• It means that it would be a good idea to grow plants that can be used for food or spices, even for medicine.
  *A greenhouse would be nice to have, even a very basic one.
• Alternative power would be a good idea as well, such as solar panels and wind generation.
• Insulating windows and doors now to keep out the cold better would be a good idea as well.

There are a lot of other ideas that can help you prepare better for the cold winter months. I suggest you use this link to see what your winter forecast looks like and then make plans for how to prepare for the cold.

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