“Contents,” Personal Finances for Self-Reliance (2017), i “Contents,” Personal Finances, i Contents Evaluating My Efforts ii For Facilitators iv 1. Becoming a Wise and Faithful Steward 1 2. Becoming Unified in Our Approach to Finances 17 3. Paying Tithes and Offerings 33 4. Creating a Budget 51 5. Sticking to a Budget 69 6. Protecting Your Family from Hardship 87 7. Understanding Debt 107 8. Getting out of Debt 125 9. Managing Financial Crises 141 10. Investing for the Future (Part 1) 159 11. Investing for the Future (Part 2) 179 12. Continuing to Give and to Bless Others 197