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Maxed Out

Summary: A teenager gets embarrassed when his credit card is declined at a sporting goods store and realizes he has maxed out his credit. He reflects on how easy spending, poor budgeting, and relying on his parents’ help led him into mounting debt. After paying off the debt and briefly improving, he falls back into bad habits and ends up worse off than before. In the end, he learns that overindulgence does not bring happiness and that living within his means is essential.
It was the kind of hot summer Saturday that makes you want to drop everything and head to the beach. My buddies and I, about to begin our last year of high school, decided to do just that. We packed ourselves into an old, blue pickup, cracked the windows and cranked the radio, and began the two-hour drive to the California coast.
As we neared our destination, I asked my friend to pull over at a sporting goods shop so I could buy a swimsuit. The woman at the register scanned the price tag of the suit I had picked out as I reached for my credit card. I didn’t even have to look at my wallet to find it; my fingers, from habit, knew exactly where to go. I handed it over and the woman swiped it.
“It says, ‘Insufficient funds’,” she told me, tapping a finger on the countertop. “Got any cash?”
Surprised and embarrassed, I mumbled a “hold on a minute” and went back out to the car. “Hey, something’s wrong with my card. Can someone spot me twenty?” One of my friends did, I went inside and paid, and we continued on our way.
Everyone else had a good time at the beach that afternoon, but for me the trip was spoiled. How had I maxed out a couple-thousand-dollar line of credit? I had a part-time job, but I didn’t make nearly enough to be racking up that kind of a bill. I couldn’t think of any major purchases I had made recently. How had this happened?
Like a lot of teens, I got my first job when I was 16. The paycheck I earned from cleaning tennis courts was nothing to brag about, but I was excited to have some personal income. Because my parents covered a lot of my expenses (they bought a used car for me and my brother to share, and even paid for gas and insurance), the money from my job left over after tithing became spending money. I would spend hours after school at music stores, picking out albums by my favorite bands. An avid reader, I loved going to bookstores and would rarely leave one without a stack of novels tucked under my arm. I bought clothes and DVDs, concert tickets and guitar accessories. I loved to eat out with friends, sometimes almost every day of the week. Having money to do these things made me feel more mature and independent.
When I first started my job, my parents helped me open checking and savings accounts. I signed up for a credit card also. Though I didn’t plan to use it regularly, my parents and I thought it would be helpful to have in case of an emergency. It was more convenient to carry around a couple of cards in my wallet instead of cash and cumbersome spare change, so I switched to plastic. No more counting out bills and coins at check stands; all I had to do was key in a PIN number or show my ID and presto. I hardly had to think at all.
But not having to think much turned out not to be such a good thing. It was so easy to spend money that I began to spend more and more. Online shopping was getting popular at the time, and with a few clicks of the mouse on our home computer, I could have almost anything arrive at my door in two days. With digital music stores beginning to spring up on the Internet, buying music no longer required driving to the store or waiting for a package to arrive in the mail. All I had to do was click the “Purchase Now” button and I could be listening to a new album instantly.
Of course, there was nothing wrong with spending some of the money I earned on music or dinner with friends. But as my spending habits got worse, I began to spend money that I didn’t really even have. Several times I overdrew my checking account and had to pay a fine. My parents encouraged me to slow down my spending and work out a budget, but I didn’t take their advice seriously. Instead, if I didn’t have enough money in the bank, I began to charge purchases to my credit card and say to myself, “I’ll pay it off in a few days when my paycheck arrives. No big deal.”
It was a bigger deal than I thought. A few days turned into a few weeks, then a few weeks into months. It wasn’t long before I had empty checking and savings accounts, mounting debt, and a credit card bill that I couldn’t handle. I was stuck.
I wish I could say that was when I learned my lesson and turned things around—that I stopped overspending, paid my debts, and became wiser about handling finances. In fact, I was able to pay off my credit card debt, with plenty of help from my parents. For a while I was more responsible with my spending. But only for a while.
Having my parents bail me out, I later realized, gave me an unhealthy sense of security. Though I told myself that I needed to change my spending habits, I also felt that if I did mess up again, there would a safety net to rescue me, just as there had been the first time. And so I soon fell back into my old habits. I wasn’t making large purchases, but I never hesitated to shell out a few dollars here, a little more there—either with my checking card or with my credit card. It depressed me to know how much I spent, so I stopped checking my balances altogether. I got a raise and more hours at work and convinced myself that I was probably doing OK. After all, I wasn’t going out and spending hundreds of dollars at a time.
My experience that summer day at the sporting goods store was an unpleasant awakening. Those smaller purchases had added up, and I found myself in an even bigger mess than before.
A few years later, as I’m about to graduate from college, I think of Alma’s admonition to “learn wisdom in thy youth” (see Alma 37:35). Even though I’m on a better track now, I still wonder how much money I could have saved for a mission, college, or marriage had I learned financial wisdom when I was younger—and how many headaches I could have saved myself.
I finally figured out that buying lots of things and being overindulgent won’t make you happy, and that learning to live within your means makes all the difference. It has for me. I just wish I had figured that out sooner.
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👤 Youth 👤 Parents
Agency and Accountability Debt Self-Reliance Stewardship Temptation

Signs of the Spirit

Summary: A missionary in the Dominican Republic sought to teach a deaf investigator, Oriviades, despite not knowing sign language. After fasting and praying, the missionaries arrived to find no family translator present, but felt prompted to stay and try. Using drawings and simple signs, they began to understand each other and bore testimony, which Oriviades affirmed he already knew by prayer. The experience confirmed to the missionary that the Spirit can carry the message without perfect words.
Serving a full-time mission in the Dominican Republic, I had just been transferred to a new area that had a reputation of being difficult to find people to teach. When I arrived, we had only one investigator. His name was Oriviades. He had attended church before, but because he was deaf and communicated using sign language, previous missionaries hadn’t been able to teach him.
One day my companion and I decided to fast and pray for a miracle that would allow us to teach Oriviades. We set an appointment with him at a time when one of his family members would be available to help translate, since neither my companion nor I knew sign language.
When we arrived to meet with Oriviades, however, none of his family members was there. When Oriviades briefly left to get a chair, my companion and I took the opportunity to pray that the Spirit would guide us. Before we had even finished the prayer, I felt the Spirit’s presence strongly.
Oriviades began signing, but we couldn’t understand him. We simply smiled at him and looked at each other, trying to figure out what we should do. We decided to write a note indicating a time for our next appointment, hoping that next time we would have a translator. But suddenly both of us felt strongly that we should stay and try to teach him. “Let’s at least try—the Spirit will help us,” I told my companion.
We tried using drawings and rudimentary hand signals as we taught the lesson. Gradually we started understanding Oriviades’s signs and were able to sign in reply to him. He seemed to understand us perfectly.
We felt prompted to share our testimonies with him. We showed him a picture of the First Vision, and I wrote on a piece of paper, “I know it’s true.”
Then, using signs, Oriviades responded, “I know it’s true—God told me. I prayed and know it’s true.”
My companion and I left the appointment with tears in our eyes. I knew that God had allowed us to testify of the restored gospel to this investigator and that the Holy Ghost had carried our message unto his heart (see 2 Nephi 33:1). I learned that we don’t need to speak perfectly or eloquently when we share the gospel—sometimes, we don’t need to speak at all.
It’s incredible how simple things like fasting, prayer, and faith can work mighty miracles in our lives and in the lives of those we serve.
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👤 Missionaries 👤 Other
Disabilities Faith Fasting and Fast Offerings Holy Ghost Miracles Missionary Work Prayer Teaching the Gospel Testimony The Restoration

Spiritual Power of Our Baptism

Summary: After a Mutual lesson on modesty, Marcie decided to discard immodest clothing despite peer trends and personal attachment. Her father supported her, and she felt better about herself and her identity as a child of God, encouraging others to do likewise.
One of the hardest things for many of you is modesty. How can we apply the spiritual power of our baptism to the principle of modesty? We hope one of the things that makes you different from the world is the way you dress. Marcie Matthews, a Laurel from Chicago, Illinois, shares her story:
“1998 was a year that I was able to see the results of many Young Women lessons, talks, and advice come into play. I am an average Mormon girl. Being able to keep my life this steady and strong has not been easy. I make goals all the time to help strengthen my testimony and my standards.
“Recently we had a Mutual activity on the importance of modesty. Every lesson before I felt like I was a modest dresser, but I knew there was still something I could change—my shorts and the length of my skirts. It was the one weakness that I knew I had but had placed far behind in my head. Everyone wore short shorts, Daisy Dukes, and miniskirts, and I had bought mine with my own money. Then I heard the lesson on modesty. I went home wanting to go straight to my closet and throw away everything that was not modest so it wouldn’t be there to tempt me. After, I told my parents. I guess I was looking for them to tell me that there was no problem in the way I dressed and then let me go.
“Later that night my dad told me he was proud of me and that he would like to buy me a couple of knee-length dresses for church. The next step was to go through all my clothes and give away everything. It was hard for me to part with my favorite skirts and the shorts that I loved so much, but I did. You will never see me in short shorts or short skirts again.
“I have never felt better about myself. I love being able to walk into the temple and church and feel like I am a child of God and am representing Him … by the clothes that I wear.
“I challenge every young woman to take this step. It will help you find out who you are and what you stand for. When we have to give up something that is a part of us, the blessings will pour in more than you can imagine” (letter in possession of Young Women office).
Marcie’s great example epitomizes our Young Women theme. You know, the part that says, “We stand as witnesses of God at all times and in all things”—and in all prom dresses.
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👤 Youth 👤 Parents
Baptism Faith Family Reverence Sacrifice Temples Temptation Testimony Virtue Young Women

On His Own Two Feet

Summary: Before joining the Church, Cesar read about Jesus Christ’s ministry in the Americas and felt a peaceful confirmation that it was true. He later recognized this as the Holy Ghost and considered it a new beginning, motivating him to change and live better. That spiritual prompting fueled his energy to live and share the gospel, supported by practices like journaling.
Although he’s still relatively new in the gospel, you’d never know he hasn’t been a member all his life. Part of it can probably be attributed to the fact that Cesar’s a quick study and that he has a great desire to know the truth. But Cesar says that there’s another, more important reason he’s learned so much so fast.

“When I was reading the Book of Mormon, before I joined the Church, I came to the part about Jesus Christ in America, and I knew it was true,” says Cesar. “At the time, I didn’t really know that it was the Holy Ghost, but I felt very peaceful. That moment was a new beginning in my life. I felt like I could start all over and do things in a different and better way.”

And that strong prompting has translated into bold action. It’s the secret to Cesar’s great energy in living and sharing the gospel, despite the usual obstacles and weaknesses that he, like most people, has to overcome. Cesar keeps a journal to remind himself of, and to eventually share with others, the reasons he lives the gospel. It helps him keep his spirits up when the going gets tough.
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👤 Youth
Book of Mormon Conversion Holy Ghost Missionary Work Revelation Testimony

“Am I a Child of God?”

Summary: A young adopted girl enjoys church but feels sad when hearing 'I Am a Child of God' because her first parents hurt her and her sisters. She asks her adoptive mother if she is truly a child of God, and her mom reassures her of God's love and her place in their family. Comforted, the girl gains confidence in her divine identity and loves singing the song again.
Illustration by Violet Lemay
Sundays were always the same since I came to my new adoptive family when I was younger. Mom did my hair, and I got to wear a pretty dress. Then Mom made sure everyone was ready for church. I loved going to church! My teachers were nice, and the kids in my class were friendly. I loved to learn about Heavenly Father and Jesus. Most of all, I loved the music. Singing songs always made me feel happy.
But one Sunday we sang a song I hadn’t heard before. As the other children sang, “I am a child of God, and He has sent me here, has given me an earthly home with parents kind and dear,” I felt sad. My first parents hurt me and my sisters. I started to think that maybe I wasn’t a child of God.
After church I ran to Mom and asked, “Mom, am I a child of God?”
Mom pulled me into her arms and told me that I’ve always been a child of God and that He loves me very much.
With tears running down my face, I asked, “Then why wasn’t I born to parents kind and dear?” Mom said she didn’t know why, but that she and Dad loved me and were glad I was in their family. That made me feel warm and happy inside. I knew what Mom said was true.
Now I love to sing “I Am a Child of God.” I am grateful for my new parents who are kind and dear, and I know that everyone is a child of God.
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👤 Parents 👤 Children 👤 Church Members (General)
Abuse Adoption Children Family Gratitude Kindness Love Music Sabbath Day

Elder Neil L. Andersen

Summary: While living in Florida, Elder Andersen’s neighbor warned him about a mole cricket crossing his sidewalk and advised spraying the lawn. Seeing no problem the next day, Elder Andersen delayed action; about 10 days later, brown spots spread and the lawn was ruined despite late treatment. He learned that unseen, small problems can destroy roots over time and drew a parallel to keeping small sins out of our lives.
While they were living in Florida an incident with a persistent bug taught him a lesson about keeping small sins out of our lives. He wrote: “One evening as my neighbor and I stood on the front steps, he noticed a little bug crossing my sidewalk. ‘You better spray your lawn,’ he warned. ‘There goes a mole cricket.’ I had sprayed the lawn with insecticide not too many weeks previously, and I hardly felt that I had the time or money to do it again so soon.

“In the light of the next morning, I examined my lawn closely. It was lush and beautifully green. I looked down into the grass to see if I could see any of the little bugs. I could see none. I remember thinking, Well, maybe that little mole cricket was just passing through my yard on the way to my neighbor’s yard.

“The story, however, has a sad ending. I came out the front door one morning, about 10 days after the conversation with my neighbor. Shockingly, as if it had happened overnight, brown spots covered my lawn. I ran to the garden store, bought the insecticide, and sprayed immediately, but it was too late. The lawn was ruined, and to return it to its former state required a new crop of sod, long hours of work, and large expense.

“My neighbor’s warning was central to my lawn’s welfare. He saw things I could not see. He knew something I did not know. He knew that mole crickets live underground and are active only at night, making my daytime examinations ineffective. He knew that mole crickets did not eat the leaves of the grass but rather found nourishment in the roots. He knew that these little inch-long creatures could eat a lot of roots before I would ever see the effect above the ground. I paid a dear price for my smug independence.

“We live in a wonderful day. The blessings of our generation are lush and beautifully green. With faith in the Savior and obedience to the commandments, our lives can be full of satisfaction and joy.

“Our challenges in choosing to serve the Lord are more subtle than those of former days. There are spiritual mole crickets that burrow under our protective walls and invade our delicate roots. Many of these insects of wickedness appear small, at times almost invisible. Yet if we do not combat them, they will do damage and attempt to destroy that which is most precious to us. …

“With the influences of evil that surround us, can we even imagine going out in the morning without kneeling and humbly asking together for the Lord’s protection? Or closing the day without kneeling together and acknowledging our accountability before Him and our thankfulness for His blessings? (“Debugging Your Life,” New Era, Aug. 2000, 4).
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👤 General Authorities (Modern) 👤 Other
Agency and Accountability Humility Obedience Prayer Sin Temptation

Jumpin’ in Juneau

Summary: LDS youth in Juneau hold annual games by the Mendenhall Glacier, racing through icy water and battling in a tug-of-war across a frigid inlet. Some who stayed dry deliberately wade into the freezing lake for the thrill of it. After warming up at the chapel, they explain that their daring comes from enthusiasm, not recklessness.
The glacier glows from deep within, pulling scarce light from a gray day and turning it an eerie blue. Mostly, the glacier is dirty white. But from parts of the vertical face comes faint, cold blue fire. “Ice blue” is a real color.
At the glacier’s foot a shallow lake of ice melt is dotted with an occasional miniature iceberg. A stream of glacial water tumbles into the lake with a distant, dull rumble. It’s the only sound you hear until—
Splash! “Whoop!” Someone has just jumped into the lake. Or fallen. Or been pulled. Youth of the Juneau Alaska District are holding their annual games on the sandy shore. Relays rage back and forth across a shallow inlet. Put on hip boots, wade-run through thigh-high ice water, take off the boots and hand them to a teammate for the return trip. Splash! Someone else has tried to run too fast. Again, a sharp intake of breath and “whoop!”
Soon, a stout rope is drawn across the same inlet and the teams take sides, muscles straining, heels dug into the sand. Rhythmic chants of “pull … pull … pull” echo across the lake. Inch by inch the losing team is drawn toward the incredibly cold water.
Incredibly, too, some of the youth who didn’t get wet in the relay or tug-of-war give berserk yells and wade into the bone-chilling water for the sheer daring of it. Afterward, when everyone has dried off and is back at the chapel warming up, the kids explain. It’s not insanity, just enthusiasm.
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👤 Youth
Courage Friendship Young Men Young Women

Young Women and the Mission Decision

Summary: A lifelong desire to serve turned into anxious indecision at college until a professor’s counsel moved her to act by submitting mission papers. As she prepared, a serious relationship developed, and she felt trusted by the Lord to choose. After a proposal, she postponed her mission, chose engagement, and felt the Spirit confirm the decision, noting that mission preparation still transformed her life.
I had planned my entire life to serve a full-time mission. But when I went to college at Brigham Young University (Utah, USA), I started to get nervous. How could I know whether I was really supposed to serve a mission? I spent the year before my 21st birthday begging Heavenly Father to tell me if I should serve. Then one of my religion professors said something that changed my life: “The Lord can’t drive a parked car.” I decided to act.
I turned in my papers, received my call, bought missionary clothing, and drove home from Utah to North Carolina—all while preparing for my mission with earnest prayer, study, and fasting.
After I went home to North Carolina, a young man I had met at school flew out to visit me, and we talked seriously about our relationship.
My prayers became earnest and pleading again, but I continued to feel that the Lord trusted me to make my own decision. I felt the weight of responsibility but also the sweet assurance that as long as I chose in faith, the Lord would support my decision.
Ten days before I was to leave, my friend proposed. I postponed my mission to give myself time to think. When I decided to get engaged, the Spirit confirmed to my fiancé and me that it was right.
Although I didn’t serve a full-time mission, preparing for one changed my life. Drawing close to the Lord helped me become the person He needed me to be for my mission as a wife and mother.
Cassie Randall
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👤 Young Adults 👤 Friends
Agency and Accountability Dating and Courtship Faith Family Fasting and Fast Offerings Holy Ghost Marriage Missionary Work Parenting Prayer Revelation

Argentina’s Bright and Joyous Day

Summary: After the Soardo family’s baptism, Víctor’s work car was destroyed, leaving them without income. During family home evening they prayed for help, and soon he found a truck that the owner sold for half the asking price. The vehicle allowed him to support his family and pay tithing, and later he served as a branch president.
For example, Víctor and Norma Soardo and their children, Lilian, age 12, and Marcos, age 15, were baptized in 1997. The Soardos are grateful for both the warm welcome and the lessons they received in how to be good Latter-day Saints. “From the time I came to know the Church, my life has had surprise after surprise,” says Brother Soardo. “Good surprises!” he adds, referring to his amazement at being called to serve in the branch presidency.

Shortly after the family’s baptism, the car Víctor used to make a living was demolished in an accident. It left the family without means of support, and soon Víctor became desperate. He had little money with which to buy a car.

One Monday evening it was his turn to plan family home evening. He gathered his wife and children around him and said: “Instead of our regular lesson, let’s pray tonight. Let’s put this problem before the Lord.” They took turns in petitioning the Lord.

“A few days later I heard about someone with a car for sale,” Víctor recalls. “As I drove down a street looking for the address, I passed an old truck parked by the side of the road, and the idea came to me to stop and ask the owner if he would be interested in selling it.” The owner was interested, and the two bargained unsuccessfully for several minutes before the owner finally asked Víctor how much money he had. The owner agreed to sell his truck to the Soardos for half his original price.

“With this vehicle, I support my family. I pay my tithing. The truck is so much better for my needs,” says a grateful Víctor. “I never thought I could own a truck. The Lord knew better what I needed.” Learning the specifics of how to live as a Latter-day Saint helped the Soardos face this and other challenges.

Partly as a result of continued attention after baptism, both Salta and Jujuy, as well as other areas in Argentina, have enjoyed significant growth in the last few years. This growth has produced a number of new leaders like Víctor Soardo, now serving as president of the Guemes Branch, Salta West stake. “About 80 percent of our leadership here in the north comes from first-generation members,” explains Pedro López, an orthodontist who joined the Church at age 25 and was called as Jujuy stake president at the age of 29. Helping converts adjust to their new Latter-day Saint lifestyle has significantly strengthened the wards and stakes in Salta and Jujuy.
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👤 Parents 👤 Children 👤 Church Members (General)
Adversity Baptism Conversion Faith Family Home Evening Gratitude Prayer Self-Reliance Tithing

Eliza R. Snow

Summary: During the Saints’ exodus from Missouri, a man mocked Eliza R. Snow, predicting the ordeal would end her faith. Eliza boldly replied that it would take more than that to cure her of her faith. The man admitted she was a better soldier than he. Later, Eliza reflected wryly on his confession.
During the exodus of the Latter-day Saints from Missouri, ordered by Governor Lilburn W. Boggs, a man taunted Eliza R. Snow, saying, “Well, I think this will cure you of your faith.” She retorted, “No, sir, it will take more than this to cure me of my faith.” He humbly responded, “I must confess you are a better soldier than I am.” Later Eliza would write, “I passed on, thinking that, unless he was above the average of his fellows in that section, I was not complimented by his confession.”
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👤 Early Saints 👤 Other
Adversity Courage Faith Religious Freedom Women in the Church

Christ Lives

Summary: A student the speaker calls Dillon brought joy into her classroom while facing cancer during his college years. After a remission gave hope for his future with his fiancée, news came the next semester that he had died. The speaker came to see that Dillon had not lost, but had finished his mortal struggle with faith in Christ.
When a student of mine, whom I will call Dillon, walked into my math class a few years ago, he lit up the room with his smile. He spread this joy and peace to all who worked with him that semester. He made my day. I don't know about other professors, but whenever I run into a former student, I rarely remember the grade they earned, but I always remember how I felt around them. Around Dillon, I felt like a daughter of God.

When Dillon introduced himself that first day, he spoke of his fiancée and their plans after BYU-Idaho. He was full of hope and promise. Now, I did notice that he had a peculiar physical characteristic for one so young. He was bald. I soon found out he had been battling cancer since his mission. That semester, the good news came that he was in remission. I was so happy for him and his future bride. He reminded me of the faith described in Hebrews 11: "Now faith is the substance of things hoped for, the evidence of things not seen."[5] Dillon's faith in his Savior was strong.

In Hebrews it goes on to share many of the miracles of the Bible which came about by faith. By faith, Noah built an ark. By faith, Enoch did not see death. By faith, Isaac offered up his son. By faith, Sarah bore a child later in life. By faith, Dillon found hope and peace in his journey.

The next semester, I received one of those campus e-mails that none of us likes to read. The e-mail let us know that Dillon had passed away. He had lost his battle here on earth. I didn't understand. He was so good, so faithful. Why didn't the Lord grant him healing? How could one so young and so good be called home so early?

Sometime after Dillon's death, I returned to Hebrews 11. Further on it says that even the faithful are called home and sometimes tortured, mocked, scourged, and imprisoned. And yet in verse 40 of the Joseph Smith Translation for this verse, it states, "God having provided some better things for them through their sufferings, for without sufferings they could not be made perfect." Dillon had not lost his battle. He had won. He had come to know his Savior and lived a life which shared this testimony with all he knew.
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👤 Youth 👤 Young Adults 👤 Other

A Feeling Inside

Summary: Caroline Jacobs lives in a Missouri settlement where anti-Mormon neighbors shout insults and threaten her family. After talking with her mother, she learns that peace comes from within rather than from her surroundings. As she focuses on the comforting feelings she received in prayer, the taunts lose their power over her, and she ends the day with gratitude in prayer.
Caroline Jacobs focused on the words of the closing song. If she concentrated hard enough, she could block out the jeers and cries coming from outside—almost. Her father offered a prayer, and the meeting was dismissed.
Because there was no church building, the Mormon families in the area met in the Jacobses’ home. No one was in a hurry to leave tonight, Caroline noted. They were afraid, just as she was.
The mob hadn’t actually attacked anyone yet. But daily they grew louder and bolder in their protests against the Mormon families in the small Missouri settlement.
Surely they won’t harm people who only want to live in peace, Caroline kept telling herself. But the struggle to believe it intensified every day. Reports came, relating the persecutions the Saints in other towns were suffering, but so far the mob had stopped short of real violence here.
Caroline’s family had moved from New York a year ago, just after her baptism. At first she had liked the frontier town. She’d seen trappers and traders, cowboys and soldiers, all of whom she’d only read about before her family’s move to Missouri.
But as more Latter-day Saint families settled in the area, anti-Mormon sentiment had grown. Caroline kept close to home now and no longer played outside by herself.
When the other families had left the house with her father, who was seeing the widows safely home, Caroline turned to her mother. “Mama, why do the men outside hate us?”
Her mother sighed. “I don’t think they really hate us. I think they’re afraid.”
Caroline listened to the shouts that could still be heard, even though the meeting had ended. “They don’t sound afraid. They sound angry. Besides, why would they be afraid of us?” She knew her father didn’t even own a gun. He’d told her often enough that he believed in talking out differences, not shooting them out.
Her mother looked sad. “People often are afraid of what they don’t understand.”
Caroline thought about that. Maybe her mother was right. “Are you ever afraid, Mama?”
Her mother busied herself with sweeping the wood floor. “Sometimes I am,” she said at last. “Then I remember that if I am at peace here”—she placed a hand over her heart—“I don’t have to be afraid.”
Caroline put a hand over her own heart. “But how can I feel peace when people are trying to force us to leave our homes?”
“Peace isn’t something that comes from the outside. It’s a feeling inside,” her mother said with a slow, soft smile.
“A feeling inside,” Caroline repeated, liking the sound of the words.
The next day Caroline walked with her mother to the small store that sold supplies to the farmers. She kept her eyes straight ahead when several boys from town yelled, “Dirty Mormons!”
“They can’t hurt us with their words,” Mama said quietly, but she tightened her hold on Caroline’s hand and walked faster toward the store.
Caroline thought about Mama’s counsel from last night and placed her hand on her heart. This is where it matters, she thought. If I can feel peace here, it doesn’t matter what’s happening around me.
She fixed her thoughts on the sweet feelings she’d received the previous night, when she’d knelt by her bed and prayed for Heavenly Father’s help. Never before had she known such peace.
On the way home she ignored the taunts aimed at her and concentrated on what she felt inside. Her mother was right. The peaceful feeling didn’t go away. Instead, it grew steadily stronger until she no longer even noticed the boys’ insults.
At home she climbed the ladder to the loft that was her bedroom. Once more, she knelt by her bed and prayed. This time it was a prayer of thanks.
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👤 Early Saints 👤 Parents 👤 Children 👤 Church Members (General) 👤 Other
Adversity Baptism Children Conversion Courage Faith Family Judging Others Peace Prayer Religious Freedom Testimony

That They May Know

Summary: Missionaries asked the Olympus High School Seminary student council for help, and student leader Lissa Naumann proposed giving away Books of Mormon with personal testimonies and photos. She and Matt Carpenter organized materials and class-time preparation, encouraging students to select friends and write personalized testimonies. Around 500 books were distributed, leading to multiple missionary discussions and at least one confirmed conversion. The effort also strengthened the testimonies of the participating youth.
When the missionaries came to the student council of the Olympus High School Seminary in Salt Lake City, Utah, and asked for some proselyting help, Lissa Naumann suggested that they use this method. She had been introduced to it in a Sunday School class and had been so impressed that ever since she had been giving away copies of the Book of Mormon to close friends, strangers she met on trips, and even customers at her part-time job. She was put in charge of the project along with Matt Carpenter, who handled publicity. Lissa got busy buying copies of the Book of Mormon, preparing instructional handouts and displays, and cutting out several hundred sheets of Book of Mormon-sized paper for testimonies. During part of each class period for three consecutive days, the spiritual representative in each class explained the program to the students, sold them copies of the Book of Mormon, provided paper, took their pictures, and gave them time to write their testimonies. It was suggested that each student prayerfully select a friend and write the testimony to him or her personally. The book could then be given in person or delivered by the missionaries. If any of the students did not feel they had any friends who would accept a book, they could address their testimony to “Dear Friend,” and the missionaries would see that an investigator received it.
Some 500 copies of the Book of Mormon were purchased under this program, and a number of people are being taught by the missionaries as a result. At the outset of the program, the council determined that if one person came to know that the Book of Mormon was true, the program would be a success. Bob’s conversion fulfilled that goal and caused some internal rejoicing in the hearts of seminary students as well as some very external whoops of joy in the seminary halls and classrooms. But Bob wasn’t really the only convert. A number of faithful young members of the Church gained a much stronger testimony of the Book of Mormon as they read through it in preparation for writing the letters to be placed in their gift copies.
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👤 Missionaries 👤 Youth 👤 Church Members (General)
Book of Mormon Conversion Missionary Work Scriptures Teaching the Gospel Testimony

What Mental Illness Taught Me about Who I Am

Summary: After returning early from her mission due to mental health challenges, the author scheduled a psychiatrist visit intending only to change medication. Feeling unexpected peace and prompted by the Spirit to be honest, she answered questions candidly and was diagnosed with schizoaffective disorder. Accepting the diagnosis and receiving treatment brought significant healing and relief from symptoms, which she sees as a blessing guided by the Lord.
While growing up, I struggled with my mental health. I was eventually diagnosed with anxiety and depression, but I never told anyone the details. I never told anyone that I was often hearing voices and seeing things that nobody else did. I was worried about what they might think.
When I returned from my mission early because of my issues with mental health, I realized I needed to get help. So I set up an appointment with a psychiatrist. I made a plan to tell her only that I needed to get off the medication I had been taking for depression because it was making my symptoms worse.
But the Lord had different plans for that day.
When I stepped into the psychiatrist’s office, I felt the strongest sense of peace. My parents and I had been praying that the doctor would be inspired to help me and that I would be able to get things figured out. And I wasn’t sure why, but I felt that I was finally going to receive answers.
What I thought would be a quick appointment turned into a two-hour interview as the doctor asked me questions that struck me very personally. I was nervous, but the Spirit whispered, “This is the time to be honest. You can trust her.”
Taking deep breaths, I answered each question, feeling more and more comfortable with every answer. Finally, the doctor calmly said to me, “You have schizoaffective disorder.” She explained that it’s a cross between schizophrenia and bipolar disorder. I could not believe it.
“Schizophrenia?” I thought. “No way!” I immediately thought of supervillains and people locked up in straitjackets—those were the only types of people I thought could have schizophrenia. Horrified, I thought, “How am I ever going to tell my parents?” and “What will people think of me if they find out?” But the peace I felt from the Spirit persisted, and I heard it whisper once again, “This is right. You can trust her.”
Initially, I was terrified of letting people know. Not only did I have these problems, but now I had this label—one that would probably make people think of insane criminals! But time passed, and gradually I learned to accept that I have this condition, just as someone diagnosed with cancer or diabetes must accept theirs.
I’ve come to realize that labels—even scary-sounding ones—don’t define me. I’m still the same Courtney I was before I was diagnosed. Now I just understand the problems I face a little better. Just because I have a name for my condition now doesn’t change the way I’ve lived my life. It doesn’t change my worth, and it doesn’t change everything I’ve accomplished.
Today I can honestly say that I’ve been blessed by this experience. I have seen miracles come about because of my willingness to be honest and thanks to the treatment I’ve received. My paranoia and panic attacks have significantly lessened. I don’t hear voices in my head anymore, and I can walk around my house at night without being haunted by hallucinations. I’d never trade the healing that I am experiencing for the secrecy I once had about these challenges.
I know that the Lord truly knows what we need and when we need it. Sometimes we just have to be brave enough to reach for the tools He has provided for us. I believe that the Lord extended His mercy to guide me to that specific doctor at that specific time. It was nothing short of a blessing.
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👤 Missionaries 👤 Parents 👤 Other
Courage Faith Holy Ghost Honesty Mental Health Miracles Peace Prayer

Heroes and Heroines:

Summary: Nellie Pucell Unthank endured the terrible hardships of the 1856 handcart trek, losing both parents and having her feet severely frostbitten. After the rescue and amputation of her feet, she married, raised six children, and worked faithfully despite constant pain and poverty. The story concludes that through her sufferings, she came to know she could count on the Lord.
For the first few weeks the handcart company enjoyed good weather, but in October early snowstorms and bitter cold slowed down the pioneers.
Nellie’s family suffered along with the rest. Her mother became ill and had to be pulled for some distance in their cart. Nellie’s father slipped into the waters of one of the rivers they crossed, and because there was no dry clothing or warm shelter, he was bitterly cold. The family’s food supply grew scarce, and the snow hid any fuel that they might have gathered for a fire.
Nellie’s father died on October 22, 1856, from hunger and exposure to the cold. Five days later her mother died too. Graves could be dug only in the snow because the early winter had frozen the ground. Nellie and Maggie wearily and sadly walked on alone. They watched as more of the company died and the weather’s cold fierceness strengthened.
One day as Nellie and her sister made their way at the head of the group, two men appeared and motioned for them to come closer. At first the girls refused but soon decided that the men meant no harm. The men gave Nellie some money and instructed her to buy something to put on her feet at the trappers’ trading post they were nearing. Nellie gratefully accepted the money and the chance to cover her bare feet, which had long since grown numb with cold.
In Salt Lake City, President Brigham Young had called for volunteers to meet the handcart company on the plains. When the volunteers finally reached the company, near Laramie, Wyoming, they found the pitiful group nearly buried by the snow. Nellie’s feet were badly frozen. The rescue party gathered her and the remaining members of the company into their wagons and returned to Salt Lake, arriving on November 30.
Nearly everyone in the handcart company had endured painfully frozen feet, hands, and ears and had witnessed the deaths of family members and friends. The doctor had to amputate Nellie’s feet. There was no skin to cushion the bone, so she was left with throbbing sores that never healed.
Nellie and her sister eventually moved south from the Salt Lake Valley to Cedar City. Here Nellie married William Unthank and reared their six children. With a leather apron slid under her damaged legs, Nellie crawled about their small home on her knees, keeping it spotless.
Nellie willingly worked at whatever she could to help provide for her family. Along with other jobs, she took in other people’s clothes to wash, and made articles to sell to add to the family income. If anyone offered food or assistance, she insisted on repaying the favor. As a way of showing gratitude, she gathered her children once a year to clean the church meetinghouse. While the boys carried water, the girls washed windows, and Nellie scrubbed the floors.
William carved wooden “cup feet” for Nellie, but they only irritated her never-healing stumps. Later, through donations, wooden legs were given to Nellie, but these she only wore on special occasions, because they added to her constant pain.
Despite poverty and pain, Nellie rarely complained. She had come to know her Heavenly Father in her sufferings. From the shoes provided for her bare feet, the carriage sent when she couldn’t go on, help given to her through a lifetime of affliction, Nellie Pucell Unthank knew she could count on the Lord.
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👤 Pioneers 👤 Parents 👤 Children
Adversity Death Family Grief

Book Reviews

Summary: Reynie, a problem-solving orphan, answers a newspaper ad seeking gifted children. After unusual tests, he and three other children are chosen for a dangerous secret mission where they must rely on each other to save the world.
The Mysterious Benedict Society*, by Trenton Lee Stewart. Reynie is an orphan with a talent for solving problems. When he discovers an ad in the newspaper for gifted children looking for special opportunities, he goes to apply. After a series of interesting tests, he and three other children begin a dangerous and unusual secret mission to save the world—but they’ll need each other to finish the task.
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👤 Children
Adversity Children Courage Education Friendship Service

Canal Warning

Summary: At a reception near a canal, Nicole was told to watch her two-year-old brother, Jadon. When she realized he was missing, she felt prompted to look toward the fence by the canal and saw him climbing over, saying, “Water, water!” She ran to grab him and warned him of the danger, feeling grateful she followed the Holy Ghost.
One day my family went to a reception. There was a canal behind the home where the reception was being held. After eating refreshments, my brothers, sister, and I went out to jump on the trampoline in the backyard. My mom told me to watch my two-year-old brother, Jadon. We were jumping on the trampoline when I realized that I didn’t know where Jadon was. I had a feeling that I should look over at the fence by the canal. I looked there and saw Jadon climbing over the fence, saying, “Water, water!” I ran over and picked him up. I told him how dangerous it was to go into the canal. I felt good that I had listened to the Holy Ghost.Nicole L., age 10, Idaho
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👤 Children 👤 Parents
Children Faith Holy Ghost Revelation

The Prayer of Faith

Summary: En route to a snowbound stake conference in Grand Junction, a prayed-for opening allowed the plane to land. The speaker then met grieving parents, later met their missionary son in Germany, and the son chose to remain and complete his mission.
Some years ago I received the appointment to attend stake conference in Grand Junction, Colorado. As the plane circled the airport amidst heavy snow, the pilot’s voice announced that it appeared our landing would not be possible, and Grand Junction would of necessity be overflown. I knew that I had been assigned to this conference by a prophet, and prayed that the weather would permit a landing. Suddenly the pilot said, “There is an opening in the cover. We’ll attempt a landing.” That phrase is always a bit frightening to any air traveler.
Our landing was accomplished safely, and the entire conference went without incident. I wondered why I in particular had been assigned there. Before I left Grand Junction, the stake president asked if I would meet with a distraught mother and father who were grieving over a son’s decision to leave his mission field after having just arrived there. When the conference throng had left, we knelt quietly in a private place—mother, father, stake president, and I. As I prayed in behalf of all, I could hear the muffled sobs of a sorrowing mother and disappointed father.
When we arose, the father said, “Brother Monson, do you really think our Heavenly Father can alter our son’s announced decision to return home before completing his mission? Why is it that now, when I am trying so hard to do what is right, my prayers are not heard?”
I responded, “Where is your son serving?” He replied,
“In Dusseldorf, Germany.”
I placed my arm around the mother and father and said to them, “Your prayers have been heard and will be answered. With more than 38 stake conferences being held this day attended by General Authorities, I was assigned to your stake. Of all the Brethren, I am the only one who has the assignment to meet with the missionaries in the Germany Dusseldorf Mission this very Thursday.”
Their petition had been honored by the Lord. I was able to meet with their son. He responded to their pleadings. He remained and completed a highly successful mission.
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👤 General Authorities (Modern) 👤 Missionaries 👤 Parents 👤 Church Leaders (Local) 👤 Other
Apostle Faith Family Ministering Miracles Missionary Work Prayer Revelation

Living According to the Covenants

Summary: The speaker describes repairing a deteriorating backyard fence by carefully preparing the first three sections with scraping, sanding, priming, undercoating, and finishing paint. Wanting to save time on the remaining sections, he used a shortcut and applied only minimal preparation and one coat of paint. Weeks later the poorly prepared sections flaked and grew fungi again, while the carefully prepared sections remained sound.
We can also content ourselves with inferior standards that initially appear to be acceptable until exposed to the test of time. An example from my own life illustrates what I mean.
Our family home had a lawn at the rear with flower borders and was enclosed with a six - foot high wooden fence which was painted white. Over time the painted surface began to deteriorate, losing its luster and peeling off in some places. A green powdery fungi also appeared in several areas. I decided that the fence needed attention.
Working on three sections initially, I first scraped and sanded the old paint, exposing the bare wood. Then I applied a wood primer, an undercoat of paint, and finally a finishing coat. The result was impressive but the exercise had taken a considerable time to complete, and I still had twelve more sections to work on. I decided the task would take more time than I could dedicate to the project, unless I could find a way to accomplish the work more quickly. So. Rather than scrape all the paint off, as I had on the first three sections, I determined to simply brush away the particles of grime, fungi and flaking paint, then smooth the surface with sandpaper before applying a single coat of paint. Initially, the finished result looked comparable to the first three sections, and I was satisfied with my efforts.
Six weeks later the paint began to flake, and the fungi reappeared on the sections of the fence which had not been given sufficient time and preparation. The first three sections that I had properly prepared, however, retained a pleasing, satiny, finished look.
We may elect to accept the easy option now and then look back in future years regretting that we had not made the extra effort and chosen to take the high road in our endeavors.
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👤 Other

Sacrifice and Self-Sufficiency

Summary: A young mother in Bolivia testified of the joy and spirit in her home when feeding the missionaries despite limited means. Her children eagerly anticipated the visits and were uplifted by the missionaries’ example and stories. The experience strengthened the family’s faith and appreciation for service.
In Bolivia, a young mother with four small children expressed her testimony, saying:
“I am so grateful for the privilege of having the missionaries come into our home. It is a pleasure to feed them, even though I fear that sometimes we do not have enough for them. (I need to add here that members everywhere in the world have the same fear.) She continues: “However, I am so thankful for this opportunity, for, you see, my four little ones wait anxiously for the day to come when the missionaries eat with us. When it is our turn, two handsome young men dressed in white shirts, wearing ties, their hair cut neatly, come into our home. They are full of the gospel light. They play with the children. They tell us about their wonderful missionary experiences. They are gentlemen, courteous and kind. After about an hour with us, they leave to do the work of the Lord.”
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👤 Parents 👤 Children 👤 Missionaries 👤 Church Members (General)
Children Family Gratitude Kindness Missionary Work Service Testimony