"We urge all Latter-day Saints to be prudent in their planning, to be conservative in their living, and to avoid excessive or unnecessary debt. The financial affairs of the Church are being managed in this manner, for we are aware that your tithing and other contributions have not come without sacrifice and are sacred funds.
"Let us make our homes sanctuaries of righteousness, places of prayer, and abodes of love that we might merit the blessings that can come only from our Heavenly Father. We need His guidance in our daily lives."
Thomas S. Monson, "To Learn, to Do, to Be," Ensign, Nov. 2008, 60–61