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The Church of Jesus Christ of Latter-Day Saints

Interest Never Sleeps

"It was Kuan Tzu, a Chinese philosopher, who said, 'If you give a man a fish, he will have a single meal; if you teach him how to fish, he will eat all his life.' This, as I see it, illustrates the principle of Welfare Services.

It is the responsibility of the bishop to give emergency help to see that neither the individual nor his family suffers. It is the obligation of the priesthood quorum to set in motion those forces and facilities which will equip the needy member to provide on a continuing basis for himself and his family."

(Gordon B. Hinckley, Ensign, Nov. 1977, p. 86)


President J. Reuben Clark's classic statement on interest bears repeating:

"Interest never sleeps nor sickens nor dies; it never goes to the hospital; it works on Sundays and holidays; it never takes a vacation; it never visits nor travels; it takes no pleasure; it is never laid off work nor discharged from employment; it never works on reduced hours; it never has short crops nor droughts; it never pays taxes; it buys no food; it wears no clothes; it is unhoused and without home and so has no repairs, no replacements, no shingling, plumbing, painting, or whitewashing; it has neither wife, children, father, mother, nor kinfolk to watch over and care for; it has no expense of living; it has neither weddings nor births nor deaths; it has no love, no sympathy; it is as hard and soulless as a granite cliff.

Once in debt, interest is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it; it yields neither to entreaties, demands, or orders; and whenever you get in its way or cross its course or fail to meet its demands, it crushes you."

(In Conference Report, Apr., 1938, p. 103.) - Quoted by James E. Faust, General Conference, April 1986


President Spencer W. Kimball counseled:

"I hope that we understand that, while having a garden, for instance, is often useful in reducing food costs and making available delicious fresh fruits and vegetables, it does much more than this. Who can gauge the value of that special chat between daughter and Dad as they weed or water the garden?

How do we evaluate the good that comes from the obvious lessons of planting, cultivating, and the eternal law of the harvest? And how do we measure the family togetherness and cooperating that must accompany successful canning?

Yes, we are laying up resources in store, but perhaps the greater good is contained in the lessons of life we learn as we live providently and extend to our children their pioneer heritage."

This heritage includes teaching our children how to work.

(In Conference Report, Oct. 1977, p. 125; Ensign, Nov. 1977, p. 78.) - Quoted by James E. Faust, General Conference, April 1986


"Strive to have a year's supply of food and clothing. The counsel to have a year's supply of basic food, clothing, and commodities was given fifty years ago and has been repeated many times since. Every father and mother are the family's storekeepers. They should store whatever their own family would like to have in the case of an emergency.

Most of us cannot afford to store a year's supply of luxury items, but find it more practical to store staples that might keep us from starving in case of emergency. Surely we all hope that the hour of need will never come.

Some have said, "We have followed this counsel in the past and have never had need to use our year's supply, so we have difficulty keeping this in mind as a major priority." Perhaps following this counsel could be the reason why they have not needed to use their reserve. By continued rotation of the supply it can be kept usable with no waste."

James E. Faust, General Conference, April 1986


"The parable of the ten virgins, five wise and five foolish, has both a spiritual and a temporal application. Each of us has a lamp to light the way, but it requires that every one of us put the oil in our own lamps to produce that light. It is not enough to sit idly by and say, "The Lord will provide."

"..... The Church cannot be expected to provide for every one of its millions of members in case of public or personal disaster. It is therefore necessary that each home and family do what they can to assume the responsibility for their own hour of need.

If we do not have the resources to acquire a year's supply, then we can strive to begin with having one month's supply. I believe if we are provident and wise in the management of our personal and family affairs and are faithful, God will sustain us through our trials."

James E. Faust, General Conference, April 1986


"Without self-reliance one cannot exercise these innate desires to serve. How can we give if there is nothing there? Food for the hungry cannot come from empty shelves. Money to assist the needy cannot come from an empty purse."

Marion G. Romney "The Celestial Nature Of Self-Reliance" General Conference, October 1982


"No, the Lord doesn't really need us to take care of the poor, but we need this experience; for it is only through our learning how to take care of each other that we develop within us the Christlike love and disposition necessary to qualify us to return to his presence."

Marion G. Romney "Living Welfare Principles" General Conference, October 1981


"I would respectfully urge you to live by the fundamental principles of work, thrift, and self-reliance, and to teach your children by your example. It was never intended in God's divine plan that man should live off the labor of someone else. Live within your own earnings. Put a portion of those earnings regularly into savings. Avoid unnecessary debt. Be wise by not trying to expand too rapidly. Learn to manage well what you have before you think of expanding further."

President Ezra Taft Benson, Benson, 1988, p. 262


"There is an interdependence between those who have and those who have not. The process of giving exalts the poor and humbles the rich. In the process, both are sanctified."

"The Celestial Nature of Self-reliance," Ensign, Nov. 1982, 93.