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Financial Plan Assignments

Think through the purpose of any consumer loans that you have. Are they necessary? Could you have gotten by without them? It is better to save for consumer-related items than to borrow for them. If you have consumer loans outstanding, write down the costs of those loans in terms of interest rates, fees, grace period, balance calculation method, and any other fees or expenses. What can you do to pay off these loans quickly and get back on the path to debt elimination? Resolve now to follow the counsel of our leaders. President James E. Faust stated the following:

Over the years the wise counsel of our leaders has been to avoid debt except for the purchase of a home or to pay for an education. I have not heard any of the prophets change this counsel. (“Doing the Best Things in the Worst Times,” Ensign, Aug. 1984, 41)

Resolve now not to get into debt except for a home or education.

 



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