Melva Gifford

These are notes from church. Any misinformation is the fault of the note-taker.

Why would he be grateful, talk by elder urdorf.

• If you get to show gratitude, it will bring joy and happiness
• We should be grateful for our opportunities.
• The grateful for how the Holy Ghost’s assistance.
• Be grateful to our Savior.
• If we want to show others gratitude, it’s of others Urdorf
• It is easy to be grateful when things go our way. What times we how things that are not going away is still important to be thankful for our circumstances.
• Think of the trials of Joe. He had everything we lost them all he showed gratitude to God.
• D &c 78:19

• Make a list of the things you grateful for
• Gratitude is a feeling of having a blessing.
• We should express our appreciation of the blessings of God.
• DC 78: he who receives things that gratefulness shall be glorious. (Paraphrase)
• We should express appreciation to all those who help us in various aspects of our lives.
• We should thank God for his beloved son on the cross and for the atonement.
• Being grateful is a commandment.
• DC 59: thank God for all things.
• There is nothing more offensive to God than to be grateful.
• We will have difficulties in our lives but at those times, we also need to be grateful.
• A family had a flood in their basement two days before going on vacation. They had to cancel their vacation and use the money to make repairs. When the man drove to work and complain about what happened, he got the prompt that could happen while they were gone.
• Document in your journal when you or receiving blessings. Recording challenges and trials in the journal, we can see how the Lord has helped us during those difficult times.
• One of the greatest sins that Satan face was the lack of gratitude.
• When we dwell on the negative, it can be hard to be.
• The pioneers who faced challenges seal praised God.
• You need to count your blessings and recognize their source, God
• Have an attitude of gratitude.
• Lincoln: most people are happy as they make their minds out to be.
• Don’t be thankful for things but for your relationship with God.

A friend sent me this.

Salt lake City | The 15 Minute Digital Prison

https://www.youtube.com/watch?v=hK0psiSJhBM

Bad tortue

Good: torture

I am forgetting the letter R.  One way torture happens is when someone does something bad repeatedly. So remember R for Repeatedly.

My employer sometimes offers financial webinars. The following advice is given by Jenny Baco from the Burnam Company. Any misinformation is the fault of the note taker.

• Hermoney.com 57% of women have the responsibility of home finances.
• 6 or 107 financial companies have women as the CEO.
• Women need to get comfortable with money and want to make sure we fix the gaps in our financial holes. Also, women usually live longer and need to address financing.

1. Understanding your paycheck:

• Many don’t know what is going out of their paycheck.
• Taxes for social security and Medicaid.
• Health care benefits > compare plans to see which works best. How will that influence your check?
• If you are married decide between you which would be the best plan (for either employer) to take.
• 401 K see if it’s pretax or after tax.
• Understanding your finances will influence your goals and expenses.
• If you have some extra money at the end of the check, consider putting extra in a ROTH.

2. Calculating net worth:
3. Sticking and creating a budget?

• Setting a budget can be the hardest part to be financially stable. The best way to create a budget is by pen and paper. Write everything down, see where your money is going, and categorize it.
• Maybe we notice that more money is going to wants rather than needs. Look at about a 3 mo. and break everything you spent into expenses.
• You might modify your habits, such as lessoning eating out every other week. bring a sack lunch can help save money.
• Make sure you are sticking to your budget. For a budget, if you have a little wiggle room then you can bend a little to budget that flexibility.
• You need to save for your retirement.

4. Saving for an emergency

• 60% of Americans don’t have $1K for an emergency.
• Emergency savings can help return a roof, pet expenses, and replace a broken utility.
• Try to save $50 a month until you have 6 – 12 months to fulfill bills. Pay less per month if necessary. It adds up when it is not used.
• You could automate that the paycheck goes to someone where prior to getting the money.

5. Take advantage of the benefits.

• Look at other investment options.
• Speak with a licensed representative. (someone who is loyal to your needs not to promote some product. MG)
• Financial education is power.

These are notes from church. Any misinformation is the fault of the notetaker.

• The filling covenants is a way to come to Christ. Through Christ, we can find rest. When we are stressed in life and feel like the world is out to get us. That is the time you want to strive to follow God. The more we follow God the more blessed for you.
• Heavenly Father has asked us that we would be with him. In life is easy to be self-centered Christ was not self-centered he suffered on our behalf he bled and died and was resurrected for others.
• True joy is only found in the service of our fellow beings.
• Going to the temple, we do endowments for ourselves on our first visit. The rest of the time, we do temple the work for others.
• In the celestial kingdom, we will have the wonderful blessings of serving others just as God does.
• We each faced unique struggles. Insomnia, eating disorders finances etc. all can be related to natural sin
• Having a Holy Ghost in our lives can help our souls become pure if we seek the comforter.
• Jesus Christ wants us to be with him.
• Heavenly Father gave us the Holy Ghost so we could understand who he is. So we can become more like him.
• Our Savior is the one we need to turn to. Eternity is only possible to him.
• Jesus Christ is our Savior. That is why he sacrificed his own life for us.
• The simple act of remembering Christ enables us to overcome the world.
• The temple is the house of the Lord. It’s wonderful to go to the template and feel peace.
• -Missionary work is not only for the living but also for our ancestors.

https://www.theepochtimes.com/created-equal-clarence-thomas-in-his-own-words-documentary_4821310.html?utm_source=Enews&utm_campaign=etv-2022-10-29&utm_medium=email&est=1d5NYHRqZ%2BxV3ihwpg%2ByTem3oKafHD%2FUnF67LZXue7E5p8ztBIG35YYlRtOROOrqDU8%3D

A deep dish has an O to represent the opening. It can be wide or lean. Thus bOwl

The word, owl is in bowl. Pet birds may eat their feed out of a bOWL.

From money wise.

• Each year 40 % of people make New Year’s resolutions only 10 fail. In less than 3 weeks, around Jan 19.
• American journal of physiology defined a habit>a more or less fixed way of thinking.
• Webster: an acquired mode of behavior that we do so often that we no longer think about it.

Seven insights to help:

1. clarity is key. Whatever finances are measured, it is managed.

Money has become largely invisible. Automated payments. Stopped carrying cash, and use of credit cards.
You need to keep track of your spending. You can track your spending with the upwide app.

b. goals are good. Benchmarks are better.

Break them down. If you want to save $5 for the year break it up in smaller, more defined goals.

Add a deadline. Instead of $K a year save $100 a week for a year.

Don’t go too easy on yourself. A challenge leads to change. Goals need to be achievable.

c. Make those benchmarks bite-size.

UCLA university experiment. Have people save 150 a month. $35 a week or $5 a day. If did $5 more people more inclined to do it.

d. Keep yourself accountable.

Tell at least one person.

Consider a cash committee member device. Give yourself a financial fine if you fail.

e. Let the automation help when it can.

Sometimes life gets in the way.

If you can see it, you cannot reach it.

Apply 401K magic liberally. Money zapped before in net check. You might also to automate funding for other goals besides 401K.

f. plan for the ‘ifs”

implement the if/then framework. If X happens, then I will do Y.

Things you can plan for:

if I walk past a coffee shop, I keep walking because I don’t want to spend money on coffee.

If I get a raise, I will put more money aside for 401.

g. pity a good day to make a fresh start.

You can start your new year’s resolutions like the beginning of the month, or restart the next week if you fumble.
Q&A: how to find ways to free money: we need to monitor your money spending. You may see spending money you regret or you didn’t value.

Take a daily look of your funds. Make it a habit and it can become part of our routine

Moderator: use envelopes to set money aside for different goals.

Reviewing your finances daily can help you catch unknown charges more quickly

behavioral change and emotions around money

with how we are rushed for time we will use shortcuts to make decisions. For example, we might see the behavior of other people to make our own decision.

Mental accounting: how we have different buckets for expenses and income.

Save for vacation in advance. It is already out of your budget.

If we think we’re going to get bad news, we want to not think of it. If people look at the credit report, they tend to make credit reports better.