We love President Monson's First Presidency Message from September 2014.
"In the vicinity where I once lived and served, the Church operated a poultry project, staffed primarily by volunteers from the local wards. Most of the time it was an efficiently operated project, supplying to the bishops’ storehouse thousands of fresh eggs and hundreds of pounds of dressed poultry. On a few occasions, however, being volunteer city farmers meant not only blisters on the hands but also frustration of heart and mind.
"For instance, I shall ever remember the time we gathered the Aaronic Priesthood young men to give the project a spring-cleaning. Our enthusiastic and energetic throng assembled at the project and in a speedy fashion uprooted, gathered, and burned large quantities of weeds and debris. By the light of the glowing bonfires, we ate hot dogs and congratulated ourselves on a job well done.
"However, there was just one disastrous problem. The noise and the fires so disturbed the fragile population of 5,000 laying hens that most of them went into a sudden molt and ceased laying. Thereafter we tolerated a few weeds so that we might produce more eggs.
"No member of the Church who has helped provide for those in need ever forgets or regrets the experience. Industry, thrift, self-reliance, and sharing with others are not new to us.
"We should remember that the best storehouse system would be for every family in the Church to have a supply of food, clothing, and, where possible, other necessities of life.
"Of course there may be times when our members are in need of help from the Church. The Lord’s storehouse includes the time, talents, skills, compassion, consecrated material, and financial means of faithful Church members. These resources are available to the bishop in assisting those in need.
"We urge all Latter-day Saints to be prudent in their planning, to be conservative in their living, and to avoid excessive or unnecessary debt. Many more people could ride out the storm-tossed waves in their economic lives if they had a supply of food and clothing and were debt-free. Today we find that many have followed this counsel in reverse: they have a supply of debt and are food-free.
"I repeat what the First Presidency declared a few years ago:
'Latter-day Saints have been counseled for many years to prepare for adversity by having a little money set aside. Doing so adds immeasurably to security and well-being. Every family has a responsibility to provide for its own needs to the extent possible.
'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.'"Are we prepared for the emergencies in our lives? Are our skills perfected? Do we live providently? Do we have our reserve supply on hand? Are we obedient to the commandments of God? Are we responsive to the teachings of prophets? Are we prepared to give of our substance to the poor, the needy? Are we square with the Lord?
"We live in turbulent times. Often the future is unknown; therefore, it behooves us to prepare for uncertainties. When the time for decision arrives, the time for preparation is past."