Supplemental Income

In these tough economic times, we might just need a little extra income to pay the bills and to get or stay out of debt. Or you might need extra income to build up your emergency fund or pay for upcoming Christmas expenditures. No matter your reason, a small supplemental income can really make a difference.

Every family and individual is different; everyone has different needs, talents and abilities. The key to finding a supplemental income that works for you is to start by listing your needs and your strengths. What amount of income do you need? What kind of time commitment and hours can you allocate? Do you have to work out of your home or do you have flexibility to work at a business?

In listing your strengths and talents, consider what interests you. What are your hobbies? Do you have any unique skills that you can market? You will be more successful in earning a supplemental income if it is something you enjoy as well as something that you are good at. Get creative and involve the whole family!

Be cautious in considering work from home jobs. Do your research to make sure that what you decide on is legitimate and will work for the needs of your family. The Better Business Bureau and online forums can be of assistance. Any job that requires you to pay money to start is most likely not legitimate (with the exception of some home sales businesses that require you to purchase product or demonstration supplies).

Some ideas include:
• Sales – home shows, [Tupperware, Mary Kay, Pampered Chef, etc]
• Seasonal jobs – many retail stores and restaurants are hiring for the Christmas season and sometimes seasonal jobs can become more permanent
• Deliver newspapers or phonebooks
• Write freelance articles for local papers or online forums
• Keep a blog or website (earn income from advertising on the website)
• Create unique items to sell at farmers markets, craft fairs or online stores like ebay or etsy (Use those awesome crafting skills!)
• Sell your skills - music lessons, tutor, photography, handyman, electrician, face painting, balloon tying, catering, sewing/alterations, etc
• Sell plasma
• Substitute teach
• Clean homes or small businesses
• Be a companion for the elderly – cook, clean, etc
• Sell your stuff – your junk is someone else’s treasure
• Start a childcare or preschool from your home

Gratitude for What We Have

In speaking of the miracle of the loaves and fishes, President Thomas S. Monson said in October’s General Conference: “Notice that the Savior gave thanks for what they had—and a miracle followed: ‘And they did all eat, and were filled: and they took up of the broken meat that was left seven baskets full.’ (Matthew 15:32-38) We have all experienced times when our focus is on what we lack rather than on our blessings. Said the Greek philosopher Epictetus, ‘He is a wise man who does not grieve for the things which he has not, but rejoices for those which he has.’”
(The Divine Gift of Gratitude, October 2010 General Conference)

Let us be grateful for what we have been blessed with, instead of focusing on what we lack. We will be blessed as we acknowledge and express that gratitude to our Heavenly Father.

72-hour Kit Reminder

REMINDER:
Don’t forget to check your 72-hour kits and rotate out the perishable supplies. Update any clothing items as your family grows and make sure that all important medications are included and haven’t expired. Also, verify that all important information is current (insurance, credit card, etc).

October is also a great month to check your smoke and carbon monoxide alarms and change batteries.



Let’s be prepared!

’Tis Almost the Season!

The holidays are now upon us. What a fun and exciting time of year. Above all, there is the lingering question: How do we keep the true spirit of Christmas front and center in our families amidst all the hustle and bustle? For many, the pressure of finances can get in the way of feeling the spirit of Christmas. Here are a few tips that might help in your efforts to be a wise steward during the holidays:

#1 Agree on a budget. If you haven’t already, decide now how much you are going to spend on gifts, decorations, food, etc. Now for the hard part: STICK TO IT! If it’s not in the budget, do without. If you feel like it’s important, write it down so you can budget for it next year.

#2 Don’t go into debt. We’ve been counseled again and again not to go into debt for things we don’t need. A wise steward plans ahead. Saving money beforehand gives you freedom and peace of mind. If you didn’t save up this year, make it a priority for next year.

#3 Get the family involved. Especially in lean years it’s important to keep the whole family appropriately involved. Young members of the family can learn valuable lessons about service and frugality. They also might surprise you with innovative ideas to save money. Above all, it’s a great way to bring a family closer together when you are all working toward a common goal.

#4 Start Now! Now is the time to put plans into action. If cutting back on what you spend on gifts is in your plan, start now to prepare for creative ways to get into the spirit of giving. Homemade gifts, gifts of service, even letters of kind thoughts, these can be more memorable and meaningful than a toy or a sweater.

The following is a quote by Pres. Thomas S. Monson from his Christmas devotional message from December 2003: “There is no better time than now, this very Christmas season, for all of us to rededicate ourselves to the principles taught by Jesus the Christ. It is the time to love the Lord our God with all our heart and our neighbors as ourselves. It is well to remember that he who gives money gives much, he who gives time gives more, but he who gives of himself gives all.”

If you have money to give, Great! If you have time to give, Even Better! To give of ourselves is our goal and the surest way to keep the principles Christ taught in our homes during this wonderful time of year.

Free Theatre and Museum Tickets

This Saturday, September 25, you can print a ticket to get two people into select museums for free. Check out this link to print the ticket and see which museums are participating. [Our family LOVES the America West Heritage Museum in Wellsville/Logan. It is like Deseret Village at This Is the Place State Park and in my opinion, is worth the drive. But if that's too far to drive, there are a few museums in SLC, including the Utah Museum of Natural History.]


Check out this link to get two free tickets to a theater performance on Thursday, Oct 14th. There are a number of different shows available and tickets can be reserved starting September 28 at 11am. Enjoy!


A BIG thanks to Cherish for sharing this info!

$2 Tuesdays - Thanksgiving Point

Thanksgiving Point is having their $2 Tuesday promotion in August. You can get into Farm Country, Thanksgiving Point Gardens or the Museum of Ancient Life for $2/person (ages 2 and under are free). Check out their website! Also, the website says you can get a half pound of fudge for $2 too! Cheap fun and chocolate - don't miss it!

Saving For College

With ‘back-to-school’ quickly approaching, the cost of schooling is more on our minds and it all quickly adds up: school clothes, school supplies, fees, school lunch, etc. Have you considered how quickly the costs of college add up? Tuition, books, fees, room and board. They can be even more costly and the cost of tuition is quickly rising. How do you plan for sending your children to college?

The first step would be to decide what, if anything, your family can save towards future college expenses. Saving for college should not detract from saving for more immediate family needs. For example, you should have a fully funded 3-6 months emergency savings before saving for college. Also, don’t neglect saving for your retirement. You can always hope your child gets great scholarships, but there are no scholarships for retirement.

After deciding how much you can contribute, decide what option works best for you. The Utah Educational Savings Plan (UESP) is ranked by Morningstar in the Top 5 of college savings plans (529). It is a very flexible plan that boasts low fees and expenses, no minimum amounts to open an account and no minimum monthly contributions. There are also many options for allocating your contributions. You can choose how aggressively you want your money to grow (keep in mind aggressive growth means increased risk). There are also options for age-based investments. You can specify the age of the child you are saving for and the account automatically adjusts to more conservative funds as your child grows. The money is accessed tax free as long as it is used for qualified expenses and you can get a tax credit of 5% on your state taxes.

The funds can only be used for qualified higher education expenses (tuition, fees, books, supplies, room and board). If your child decides not to attend college, the account can be transferred to another family member or the money can be withdrawn for other uses (earnings subject to federal and state taxes with an additional 10% federal penalty tax).

Another option for savings is a Uniform Transfer to Minors custodial account (UTMA). There are fewer restrictions on what this money can be used for in regards to your child. It can be used at any time to benefit your child as long as it isn’t considered regular ‘parental obligations’ (feeding, clothing, housing, etc). However, the earnings from this account must be reported on the child’s tax return. Depending on how much you are saving, the earnings usually aren’t enough to require filing a tax return. Another thing to consider is the parent is only a custodian of this account and the minor child can take control of the funds at age 18-21. Hopefully your child is responsible enough to manage this resource appropriately. Also, because the money belongs to your child, it may impact their ability to receive financial aid. Depending on where you choose to establish the UTMA, there may be minimum amounts required to open and contribute to the account.

If you want to option of funding a mission as well as college, you might want to consider saving in a UTMA account. Every family and situation is different, so discuss your goals and research your options to find the best savings plan for your individual circumstances.

http://www.uesp.org/index.html [Utah Education Savings Plan]
http://www.statefarm.com/mutual/acct_types/custodial.asp [info about custodial accounts]

With All Your Getting, GIVE

“I plead with you that with all your getting, you should also give to make the world a little better.” (Pres. Hinckley, quoted by Jon Huntsman, Sr at a BYU Commencement, Aug. 1999)

We have such abundance and can easily share our bounties with others. We certainly don’t want to go into debt to help others, but if we have the means, then we should give. With back-to-school sales starting, an affordable and fun way to involve the family in giving is to assemble school kits for the Humanitarian Center.

Here is a list of what should be included (see the website for instructions on how to make the cloth bag).

Humanitarian School Kits
· 4 unsharpened pencils
· 1 pencil sharpener
· 1 box assorted colored pencils (approximately 7" long, about 12 pencils to a box)
· 1 pair blunt-nosed scissors with metal blades
· 1 rubber pencil eraser (approximately 1" by 2")
· 1 straight edge ruler—not to exceed 12", with metric measurements
· 450 pages of lined paper in glued or spiral-bound notebooks (no more than 6 notebooks or pads per kit).
· 1 durable cloth bag made of heavy fabric

Another affordable way to give is to assemble hygiene kits. Our ward has been asked to gather the supplies for hygiene kits prior to the General Relief Society Broadcast in September. If you can assist with this in anyway, please donate the supplies to Sister A. Beck or someone in the RS Presidency.

Humanitarian Hygiene Kits
· 2 unbreakable combs (no sharp handles)
· 4 toothbrushes (packaged)
· 1 tube of toothpaste (6-8 oz., no pumps)
· 2 bars of soap (approximately 4 to 5 oz.)
· 2 hand towels (new towels, approximately 15" by 25". Please do not use dish towels or washcloths)


“It was always a privilege to assist those less fortunate than we, even when we had virtually nothing ourselves.”
--Jon Huntsman, Sr (BYU Commencement, Aug. 12, 1999)

Humanitarian Kit Lists and instructions

www.providentliving.org/content/display/0,11666,4598-1-3263-1,00.html

Book Recommendations

Check out your local library for great, FREE resources to enhance your financial knowledge . . .


Children’s Picture Book Recommendations:

Rock, Brock and the Savings Shock by Sheila Bair: teaches children about saving money


Jenny Found a Penny by Trudy Harris: teaches children about saving for a goal






Adult Recommendations:

Live Your Life for Half the Price by Lyle and Tracy Shamo: great tips and suggestions for cutting your budget, living on less and surviving tough economic times.


If you have additional suggestions for book recommendations, leave a comment on the blog.

Free Activities

Here are a few upcoming FREE activities that you might want to consider . . .

Kennecott Copper Bingham Canyon Mine Visitors Center is free July 16 - July 25. It is normally $5 per passenger vehicle. If you've never been, it's quite interesting. They show a short video, have displays in their visitors center and huge tires you can stand next to. It is mind-boggling how large their equipment is.

There are also some fun activities surrounding the Days of 47 events.

July 17th Youth Parade and Festival - [some of our cub scouts will be marching in this parade]
The parade is at 10 and the festival follows it until 2:00 at Washington Square City/County building downtown.

Days of 47 Float Preview at South Towne Expo Center - July 19, 20 from 11am-9pm
Great opportunity to see and vote for the floats that will be in the July 24th parade (and it's air conditioned!) Our stake even has a float this year, so go and vote for ours!

July 24th Days of 47 Parade

Cheap Ice Cream and Free Fun

Baskin Robbins is having their 31 cent scoop night on Wednesday, April 28 from 5-10pm.

Red Butte Garden has free admission on Arbor Day and will give out free trees too! Mark your calendars for Friday, April 30 from 9am - 3pm.

Upcoming Ward / Stake Dates

Mark your calendars:

Emergency Preparedness Fair - for the whole community
(please invite your neighbors, family and friends)
May 22nd, Saturday, 9-12 @ South building

Stake Clothing Swap
July 17th, Saturday, 9-2 @ South building

Emergency Bag Lists

Here is a listing of the kit supplies for your Emergency Bag that have been distributed in Sunday School each week.

These lists were compiled this list from several others. There are many other things that could and even should be included. This is not comprehensive. If you have any ideas to add, please leave comments on the blog so that others can benefit from your expertise and knowledge.

Kit #1: Helping Out
Latex gloves
Work gloves
Filter masks
Glow sticks
Safety vest
Emergency Bag

Kit #2: Makeshift Toilet
Moist towelettes
Hand sanitizer
Bar soap
Toilet paper or napkins
Plastic bags w/twist ties
Privacy covering
Disinfectant: bleach or spray
Optional: bucket with improvised seat

Kit #3: Meal Prep
Moist towelettes
Napkins
Tablecloth
Paper plates
Paper cups
Utensils
Salt and Pepper
Hand washing supplies
Can opener

Kit #4: Spiritual/Paper Prep
Scriptures
Living Will
Books/Photos
Cash
Copies of fronts/backs of credit/debit cards
Consecrated Oil
Patriarchal blessing

Kit #5: Comfort Items
Medicine/Diabetic Supplies
Candy
Children's activities (may serve others' children)
Flashlight/Glow Sticks
Pen/pencil and notepad
Solar blanket/Poncho
Sewing Kit
ETC (Personalize it!)

Kit #6: First Aid
First Aid Manual
Asprin or Pain Relievers
Laxatives
Rubbing Alcohol
Diarrhea medication
Petroleum Jelly
Soap
Baking Soda and Salt (to replace body fluids in cases of shock, vomiting, diarrhea)
Gauze
Triangular Bandage (36 in x36 in x52 in)
Elastic Bandage

April Q & A Winner

A big thank you to Diane for submitting our featured question!

Question: What resources are available to find good deals on things we need?

Answer: The best way to find good deals is to be an informed consumer! Do your research and shop around. If you are purchasing services (for example home or car repairs), call a few companies and get quotes to compare. Ask if they will match prices or accept competitor’s coupons. If you are purchasing something retail, check out a couple of stores before making your decision. It’s more work, but on expensive items, it could save you hundreds of dollars. Also, be aware of what something costs new versus used. You can sometimes find great deals on secondhand items, but sometimes you can find new items for even cheaper if you watch for sales and clearance items. Also, word of mouth is great too. Let others know what you are in need of; they may have great recommendations.

Online resources for secondhand items:
Ksl.com
Craigslist.com
Freecycle.org (must be a member)
http://groups.yahoo.com/group/UTBulletinBoard/ (must be a member)

Retail resources for secondhand items:
Deseret Industries
Savers (99¢ Mon, ½ price ticket items)
Thrift Town (½ price ticket items)
Kid to Kid (children & maternity clothing and items)
Plato’s Closet (teen clothing)

For tips on shopping at thrift stores from Angela Hunsaker, check out How to ENJOY Shopping at a Thrift Store on a previous post of this blog. If you have any tips or sites to add, please leave a comment.

Creating a Will

None of us like to think about morbid things like needing a will, but it is a necessity to be prepared. Wills can speed up the process of distributing your assets and will make sure that they are given to whom you want them to be given to. Also, a will is even more important if you have children under the age of 18 who will need a guardian to care for them. Wouldn’t you rather be the one to choose who will raise your children if it can’t be you?

Creating a will involves choosing who will receive your assets – your beneficiaries, who will allocate your assets and follow through with your wishes – the executor, and who will be the guardians of your children in the event of your death. You will also need to have two witnesses (not beneficiaries of your will) available as you sign your will and it is highly recommended to have your will notarized. Each spouse will need to create their own will. Make sure that when you have completed your will, you let your family and your executor know about your will. Put it in a safe, accessible place and have a couple of copies available. We have a copy filed at home, one with our executor and one with my parents in another state.

Wills don’t have to be complicated or expensive. There are many options available to you. However, most of these options are for the most common situations. If you have a complicated estate or very specific requests or needs, consulting a lawyer may be your only option. As far as getting your will notarized, contact your bank or credit union. Sometimes the use of a notary is free of charge to members. There are many online sites available where you can enter your information and they will either mail or email it to you (some require a fee). Be sure to verify the site before giving out your personal information online. There are also sites that have forms that you can copy, paste and print your own. The free forms are very basic in nature, but are better than nothing. Or there are downloadable computer programs that you can purchase and use to create your will. The library also has computer programs that you can check out and create your will for free at home. The computer programs are most likely to give you more options than simple forms or free online sites.

Many of these programs also help you create a living will or advance health care directive. Living wills and advance health care directives allow you to specify what medical care and life saving or prolonging measures you want to have in the case that your condition makes it unable for you to make those decisions yourself. You can also assign a health care proxy to allow someone you trust to make those decisions for you. In any instance, it is wise to create some type of living will to spare your family and loved ones from making those decisions and dealing with the legal issues related to those decisions.


Disclaimer: We are not endorsing any of the following listed programs or sites; they are just a sample of what is available both online and at the county library.

Information about wills and living wills:
Steven J. Dixon, “Planning Ahead: The Importance of Wills and Trusts,” Ensign, Jun 1983, 28
http://www.usnews.com/money/retirement/articles/2007/11/12/how-to-write-a-will-online.html
http://en.wikipedia.org/wiki/Advance_health_care_directive

Free legal forms: http://www.free-legal-document.com/
Free online sites: http://www.doyourownwill.com/ & http://www.rocketlawyer.com/
Free computer programs from the library: Family Lawyer and Quicken WillMaker

Utah Museum of Fine Arts Free Days

The third Saturday of every month is free at the Utah Museum of Fine Arts 11am-5pm. They also have family activities planned each month from 2-4 on the free Saturdays.

On February 20 from 1-4pm at the UMFA you can celebrate Chinese New Year (starts Feb 14) by decorating paper lanterns and creating animal hats.

other upcoming activities:
March 20 - Oil Pastel Drawings
April 17 - Painted Canvases
May 15 - Decorate T-shirts
June 19 - Yarn Painting
July 17 - Family Festival (Las Artes De Mexico)

This would be a great, free opportunity to help cub scouts and activity day girls to pass off requirements for their Faith in God and scouting activities. [Faith in God: Developing Talents #5 - Visit an art museum or attend a concert, play, or other cultural event. Share your experience with your family or activity day group.]

How to ENJOY Shopping at a Thrift Store

A big thank you to Angela H. for sharing these tips to help us save money by shopping at thrift stores!

1. BE CREATIVE…REPURPOSE! Look at the parts that make up a thing. Can it be taken apart, cut up, or customized to suit your needs? When buying clothing, can it be tailored to fit, so you can shop in many size ranges?

2. KNOW WHAT A BARGAIN IS. What is the price when buying it new? What condition is it in? What will be the added cost of fixing an item in need of repair?

3. WHERE WILL I STORE THE ITEM? If you don’t have room to store an item, it should stay at the store, even if it is a great deal. If you must have it, then you must be willing to make the sacrifice to let go of items currently in your space.

4. HOW WILL I GET THE ITEM HOME? If you are shopping for large furniture, you may need to plan ahead to bring a vehicle that can accommodate your purchase. You may also need to plan not to have children and/or carseats with you for such a purchase.

5. CAN THE ITEM BE CLEANED? Is it still a bargain when including the cost of having an item cleaned? (i.e. dry cleaning)

6. BE PATIENT. If you don’t find a specific item this trip, keep trying! You can’t usually thrift shop with a list. Also, don’t give up if you don’t enjoy thrift shopping the first time you try it. Go more than once before giving up on it.

7. TAKE A FRIEND All shopping is more enjoyable with a friend!

8. BRING HANDWASH OR WIPES for when you leave the store. Sometimes you have to touch and move things just to see what treasures may be hidden on the shelves. This is a good habit to have for after shopping in ANY public shopping area.

January Q & A Winner

A big thank you to Becky for submitting our featured question!

Question: How can I save on groceries?

Answer: First of all, create and use a shopping list. Plan what your meals will be for the week, create a list of what you need to purchase to make those meals and only buy what you need – no impulse shopping! After you have made your list, study your weekly ads for the best deals. Some stores will price-match other store’s ads for the same item (quantity, size, etc) so you don’t have to drive around to all the stores. Use your weekly newspaper coupons or go online to find coupons for items that you need (it doesn’t save money to buy something just because you have a coupon for it). Another tip – if you have the funds, stock up when case-lot sales occur or when you find a really good price for something you use a lot of. If there is a great deal on something in bulk, split the item and cost with neighbors, family, or friends. Case-lot sales are happening now at many of the local grocery stores! Back-to-school sales in July and August also generally have good deals on snack items, cereals and items for school lunches, so stock up on food items as well as your school supplies!

Great Coupons Sites:
Pinchingyourpennies.com
Coupons.com
Smartsource.com
Redplum.com
Gurusdeals.com


If you have additional suggestions or great coupon sites, please share by posting a comment.

This Question and Answer Section addresses the topics that most concern you. The next newsletter will be coming out in April, so start thinking and submitting your questions, ideas and suggestions. If your question is selected, you can earn a small prize (small print disclaimer: reserved for members of the ward). But anyone is welcome to ask questions.

Preparing Your Taxes

Are you doing your own taxes this year? With the many computer tax software programs available, many people do. But before you go out and buy that computer software, try visiting the IRS website first. Many companies offer free programs for individuals with a household income below 57,000 for 2009. Just go to http://www.irs.gov/ and look for the “free-file” link on the right side of the page. You can then access a list of companies that offer free federal tax preparation or fill out a quick Q & A that will help find a program that you qualify for. It may take a few more minutes, but will save you quite a few dollars if you were planning on buying the program anyway. Just make sure, as always, to use common sense when putting your personal information on the web. Go with a reputable company that you recognize and use only secure sites. Submitting your federal tax return online is simple and you may get your refund back faster, but you can also print out your completed federal tax return and mail it in if you prefer.

Be aware that many sites offer state tax return services, but they are not free. Also be careful to access your return through the IRS website. Some companies only allow you to access their free-file option if you link from the IRS website, which means if you go to the company’s homepage you won’t be able to access their free-file option.

Scripture and Quotes from January 2010 Newsletter

“Thou shalt be diligent in preserving what thou hast, that thou mayest be a wise steward; for it is the free gift of the Lord thy God, and thou art his steward.”
- Doctrine and Covenants 136:27

Sacrificing and saving for something ensures that it is worth having and caring for. Buying impulsively, however, clutters your life with things that don’t mean anything after a short time—things you end up giving away or selling at a garage sale. Children benefit from saving for what they want. It is easier for them to resist fads and fashions if they have to sacrifice.
- Kay Przybille, “Stretching Your Dollars,” Ensign, Jun 2009, 36–37

Teaching Your Children How to Save - part 1

Saving money is a hard concept to learn, especially for a young child. I remember hearing often as a child the phrase ‘that money is burning a hole in your pocket’. Thankfully, my parents were able to teach me to save my money and I don’t hear that phrase anymore. As parents, we have a very important responsibility to teach our children to save and prepare them for a stable financial future. With examples to follow and the knowledge we give them, hopefully our children will be prepared to be financially responsible by the time they are young adults.

Teaching our children to save their money is one of the best things (besides the gospel) that we can pass on to our children to prepare them for the future. But how do we do it? Here are a few tips that may assist you in teaching your children to save:

First of all, Start Young. Any child who can hold money can spend it (or save it). The earlier you start, the easier it is to make it a habit and life-long practice. But it is never too late to teach your children, even your grown children, about saving.

Second, Make it FUN. If it’s fun, your child will do it, do it without you telling them to and probably remind you to do it too. Find some fun money banks that interest your child and will make saving fun. Be excited when your child earns money and can put it in their own money bank. My 2 year old loves to find money to drop into his bank. And along with that, find a fun way for them to save and pay their tithing. My kids have a separate jar for tithing and love filling out and turning in their own tithing slips.

Along with making it fun, your child is also never too young to have a savings account. Many banks and credit unions have special savings accounts, CDs, etc available to young savers. Sometimes the interest rates are better, they have lower minimum amounts and also offer incentives to young children or youth for saving. Let the bank or credit union help you make it fun to save. Take a ‘field trip’ to the bank to deposit their money. The more fun it is, the more they will want to do it.

Third, Set Goals. If your child is saving just because you tell them they need to, it’s not very fun or exciting for them. Discuss with your child what they are saving for. Elder Marvin J. Ashton wrote in the One for the Money pamphlet, “‘Save your money’ is a hollow pronouncement from a parent to a child. ‘Save your money for a mission, bicycle, doll house, trousseau, or car’ makes understandable sense.” If they have a reachable goal, then they are more likely to understand the benefits of saving and begin the habit of saving for their wants.

Your child may need to be reminded of those goals on a regular basis. How often have your children, or even you, been tempted to purchase something small like a candy bar while waiting in the check-out line? If your children know that those impulse buys have to be bought themselves and that it will take that much longer to save for their goal, then they (and you) are more likely to save for what really matters.

Related Ensign Articles for more reference and tips:
Margo Johnson, “Lessons of an Allowance,” Ensign, Sept. 1996, 71

Marvin K. Gardner, “Staying Prepared,” Ensign, Feb 1979, 24

Jenniev J. Poulson and John R. Christiansen, “Can Children Learn to Manage Money?,” Ensign, Jan 1971, 57

Kay Przybille, “Stretching Your Dollars,” Ensign, Jun 2009, 36–37