
Like most Americans, Navajo families here on the reservation struggle with making ends meet. There are few jobs locally, so many travel outside the reservation to make a living. In our monthly Provident Living classes, We've taught several strategies on managing money. In September we used a method called envelope budgeting, and participants used play money to recreate a "realia" budget. As you can see from the picture, they really got into the exercise. Afterwards we served a variety of dishes using another of the food storage basics: Rice

Then in October we invited Elder and Sister Wright from Gallup, in the other mission, todo a workshop for our class, on financial debt management. They are the ones in the foreground of this pictures. They did an amazing job, and hopefully, many from our branch will followup on their invitation to work with them on an individual basis, to get out of debt. Some of the specific suggestions they gave were: 1. Never buy a NEW vehicle -- it is a depreciating investment that costs way too much. You will never recoup your investment. Instead buy something you can afford a later model, and save your money so you can pay cash for the next one.
2. Never borrow money from Quick Loan places. Some charge up to 200-300% of your loan. You are throwing your hard earned money away when you do this.
3. If you want to become financially solvent, pay your tithing. Remember the Lord first, and he will open the windows of heaven and pour down a blessing upon you.
4. Teach your family the difference between NEEDS and WANTS. Only buy the NEEDS until you get out of debt.
5. When paying off debts, like house loans, car, credit cards, education, rank them with the highest interest debt in #1 spot. That is the debt you work on paying off first. The rest of the debts, you pay the minimum acceptable amount, but pay extra on the high interest loan. Perhaps that means paying an extra $100 on it each month. Then as soon as debt #1 is paid off, then start paying that amount, plus the minimum of debt #2, and continue paying that amount until it is paid off, etc. etc. This is called the "Snowball Principle"
6. In order to make this work and get out of debt, you must have a budget, that you live by.
7. Get rid of debts that are wasting your money by charging interest. It is like a monkey on your back all the time. If you don't eliminate debt, and go deeper into debt, it turns into a gorilla! that is chained to you all the time. (The Wrights brought both a monkey and a Gorilla!)
The Wrights are serving their 5th mission, and even though they've had a home in Utah for 14 years, they haven't lived in it much. Their last mission was to New York city, where they also provided financial counseling, and had some good success stories to tell. That mission costs $4800 a month! You'd have to be a financial whiz to afford it!

Our food storage item for the month was oatmeal, and several sisters helped me again, provide 9 different dishes" Raisin, apple hot cereal, oatmeal muffins, cookies, bars, pie, meatballs, and yes, even oatmeal soup!