Provident Living
Newsletter
September 2008
Volume 1; Issue 7

All Is Safely Gathered In:
Family Finance 
We encourage you wherever you may live in the world to prepare for adversity by looking to the condition of your finances. We urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt. Pay off debt as quickly as you can, and free yourselves from this bondage. Save a little money regularly to gradually build a financial reserve.
The First Presidency - 2007 

Sisterhood - Then and Now 
Riverton Utah Stake Relief Society Enrichment
September 27th – 8:00 am thru 1:00 pm
Riverton Utah Stake Center
Schedule:
8:00-10:00 Service
10:00-11:00 Brunch & Sisterhood Stories
11:00-1:00 Service/Classes
6:00 General Relief Society Broadcast
Following Broadcast Refreshments

Classes:
Yeast Breads (11:00 & Noon for 60 minutes)
Other Breads (11:00 & Noon for 60 minutes)
Freezing Foods (11:00 & Noon for 30 minutes)
Cooking With Beans (11:30 & 12:30 for 30 min.)

Service Opportunities:
Quilts, Wall Hangings File Folder Games
Girl’s “T” Shirt Dresses Baby Booties
Family History Indexing
Patterns and Instructions are available from your Ward Relief Society Presidencies.
Sisters (Young Women & Relief Society) are encouraged to prepare two items which can be displayed and then will be delivered to the Humanitarian Center



Harvest Festival 
The Harvest Festival will be held September 20th from 4:00 pm to 8:00 pm at the Stake Center. Events include Pot-Luck Dinner, Displays, Games, Square Dancing, and more. Come and share the harvest with your family & neighbors.

Continuing Education 
Horticulture Classes (September Schedule – 801-768-7443) 
September 13th - 9:00 am to 2:00 pm
The last Backyard Gardening Workshops until next spring. There is a small registration fee for each workshop, call for details.

Classes include:
Extending Your Vegetable Gardening
Harvesting & Storing of Fruits & Vegetables
Don’t Give up Watering, Weeding, & Fertilizing
Creating a Cottage Garden
Fabulous Vines
Hardscapes for the Landscape
Hobby Greenhouse

Cannery Dates 
Sandy Utah Home Storage Center Dry Pack (801-561-8104) 
October 2nd - 9:00 am to 1:00 pm
This time have been reserved for our Stake.

The Basics of Family Finances 
Pay Tithes and Offerings
Successful family finances begin with the payment of an honest tithe and the giving of a generous fast offering. The Lord has promised to open the windows of heaven and pour out great blessings upon those who pay tithes and offerings faithfully (see Malachi 3:10).

Build a Reserve
Gradually build a financial reserve, and use it for emergencies only. If you save a small percentage of your earnings, you will be surprised how much accumulates over time.

Avoid Debt
Spending less money than you make is essential to your financial security. Avoid debt, with the exception of buying a modest home or paying for education or other vital needs. Save money to purchase what you need. If you are in debt, pay it off as quickly as possible.

Use a Budget
Spend less money than you make. Keep a record of your expenditures. Record and review monthly income and expenses.

Use this information to establish a family budget. Plan what you will give as Church donations, how much you will save, and what you will spend for food, housing, utilities, transportation, clothing, insurance, and so on. Discipline yourself to live within your budget plan.



Food Storage Apple Crisp
From the kitchen of Janet Griffiths
5½-6 Cup Dried Apples
2 Cup Boiling Water
½ Cup Sugar
2 Tbl Cornstarch
½ tsp Nutmeg
½ tsp Cinnamon
Soak apples in water until apples are soft. After apples are soft reheat in water & add sugar, cornstarch, nutmeg, & Cinnamon. Heat until thickened; pour into 9”x13” pan.
Topping:
2 Cup Rolled Oats
1 Cup Brown Sugar
½ tsp Salt
2 tsp Cinnamon
1 Cup Butter
Combine topping ingredients & sprinkle on top of apple mixture.
Bake @ 350° for 35 minutes.

Stake Relief Society Cookbook
Thanks to all who have contributed recipes. The last day for recipe submission is September 10th. Recipes can be submitted by eMail to jan@sl1.com.

Passports
Will, Power of Attorney, Etc.
Immunization Records
Bank Account Information (Account #, Branch address & Phone, Type of Account, Etc.)
List of Credit Cards (Type, Card #, Exp. Date, Authorized Users, Phone Contact)
Stocks, Bonds, Investments (# of Shares, Owner, Type, Cost, Contact Information)
Pension, IRA, 401K, Etc.
Insurance: (Policy #, Agent, Expiration Dates)
Life Insurance Policies
Home Owners Policy (Rental Policy)
Auto, Medical, & Dental