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noahs-arkTools for the journey

  • An ongoing budget
  • an understanding or ‘needs’ verses ‘wants’
  • learning how to be organized

Until this morning, I had a limited idea concerning what I would write about. I knew it was something to do with ‘needs’ verses ‘wants’ and I nearly put that as a title. Yet, as i have prepared myself spiritually for the day, the Holy Ghost placed in my heart and in my mind the following scripture –

“Organize yourself; prepare every needful thing, and establish a house, even a house of prayer, a house of fasting, a house of faith, a house of learning, a house of glory, a house of order, a house of God.” (Doctrine and Covenants 109:8)

Two points in this scriptures resonated with me; ‘prepare every needful thing’ and ‘a house of order.’

Life, left me in debt. Some of the debt was of my own foolishness and some of it occurred due to circumstances beyond my control. Being in debt sucks! The debtors continually beg for payments, and are unrelenting, no matter what you say or do.

Yet, debt advisory will tell you there are more ‘needful’ things that require paying before you pay off your debt. Doing things in the Lord’s way adds another layer on top of what the world sees as acceptable and needful.

In Proverbs we read; “Trust in the Lord with all thy heart, and lean not unto your own understanding. In all thy ways acknowledge him and he will direct they paths.” (Proverbs 3:5-6)

When you either in debt and/or living on a low or minimum income your first thoughts are to panic when payments become due. Yet, when we trust in the Lord and have faith in his ways, he will direct our paths towards those people who can help us. When we have prepared all that is needful, these payments will no longer create panic.

Needs Verses Wants

I ‘want’ two new bookcases… I ‘want’ a new easy chair… I ‘want’ a new kindle tablet…but i do not NEED any of these things? Probably not!

The world will counsel – fulfill all your wants first, get into debt to do so if you don’t have enough money – the problem with this is that we never stop wanting.

The Lord’s way is – live within your means and save for a rainy day.

So what is needful?

Your Budget Plan

Should now have a list of your ‘Income’ and your known ‘Outgoings.’

It should look something like this –


Outgoings – list needful things first.

  1. Tithe
  2. Fast
  3. Savings

then you should pay your essential living costs, these are the things you must pay  – (these are mine – i do not pay rent, because it is paid for me, but rent or mortgage would come first)

  1. council tax
  2. water
  3. utilities – gas and electric
  4. food

next comes all the things you ‘want’ to keep –

  1. cable – internet
  2. mobile phone
  3. insurances for items you own
  4. transport
  5. clothes
  6. hair
  7. household products
  8. pets
  9. other – granddaughters

only when all these things are paid, should you pay back any debt or fulfill a WANT.

I cannot determine for you, what your ‘Needs’ or your ‘Wants’ are, only you can decide that, but be aware of where and how you are spending your money by writing down your daily expenses. My budget now looks like this –


If, like me, you think you will always be able to provide adequately for yourself and your family, take my warning as this – SO DID I!!!

Once you have worked out your needs from your wants, then prayerfully workout a plan to pay off your debt and once out of debt, stay out of debt. More on the Lord’s way to pay off debt tomorrow.

“President Heber J. Grant spoke repeatedly on this matter from this pulpit. He said: ‘If there is any one thing that will bring peace and contentment into the human heart, and into the family, it is to live within our means. And if there is any one thing that is grinding and discouraging and disheartening, it is to have debts and obligations that one cannot meet’

Note: if someone else wants you to pay them to teach you how to budget your money, then say ‘no.’ Why? that’s an easy question answer – because you could use the money you are paying them to pay for your needs and even pay towards your debt. There are enough websites that can give you advice and if you need debt advice then seek out a debt advisory service.

To do list

  1. make a list of your debt
  2. look at your budget; separate the ‘needs’ from the ‘wants’ and list the ‘wants’ first
  3. pay the Lord first
  4. then pay yourself