Loaves & Fishes is the Milwaukee South Stake Provident Living Newsletter compiled by the Stake Provident Living and Family Finances Specialist
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I am learning that this really isn't a newsletter at all. It is a lot of information and resources from which to learn rather than reporting on events or news of what is happening in the area of provident living and family finances. I suppose that it doesn't matter what it is called. What matters is that it is something you find useful in becoming more self-reliant. There is a joy and security in learning how to manage the temporal things of life. Even more than that I have found that truly all things are spiritual. This issue has been one of reflecting upon the things that I have sown and what results have come from those things. Even the failures have helped me learn on this road to self-reliance.
|Share your ideas, experiences and insights on self-reliance at:|
You will find other interesting links there as well!
The Six Areas Of Self-Reliance and the Law of the Harvest
Sowing efforts in these areas now can pay off in a great harvest of blessings later.
Weed Your Spirit, Grow Your Testimony- John G. Bytheway speaks at BYU Education Week on August 18,2008. This video is typical of John Bytheway filled with fun and entertainment while giving us spiritual "produce" to harvest.
EducationProtecting Family Time-Learn how to protect and increase family time, and hear from Dr. Bill Doherty, author of The Intentional Family and Putting Family First. Real families share how they have made family time a priority.
Good, Better, Best
Elder Dallin H. Oaks explains ways to maintain a family that is firm and strong in spirit.
A man describes his commitment to follow God's commandment to care for the body He has given us.
Home Based Employment
As businesses adapt to a changing global environment, opportunities for nontraditional employment abound. Business owners and employees alike can benefit from the flexibility of home-based employment.
Making Your Own Road- Mary Crafts
Meet the creator of Culinary Crafts, a catering company that has served prestigious customers like the International Olympic Committee, Sports Illustrated, American Express, Sundance Film Festival, and two US presidents.
The Blessings Hospital Miracle
A path of self-reliance led this man on a journey that affected the self-reliance of many others.
Creative Uses of Dried Foods
In this episode a dried food expert demonstrates how to dry foods such as fruit and jerky for traveling and backpacking. Learn how to make convenient mixes from dried foods like flavored rice mixes, potatoes au gratin, and hot chocolate mixes.
Helping others is a part of becoming self-reliant.
For Madison- A group of young women showed their love by doing for a friend what she could not do for herself.
Dayton's Legs-Out of love, a 13-year-old boy in Arizona pushed himself to the limit so that his friend, who has cerebral palsy, could participate with him in a triathlon.
National Apple Month
How to Make Apple Dolls
From Harvest to Health- How to select, store and preserve apples.
Self-Reliance and the Law of the Harvest
We can become whatever we set out to become. What we need is a vision of where we want to go. Then by setting goals that are both measurable, realistic and not too overwhelming we can keep moving along the path to accomplishment. It is much like planting a garden. We prepare the soil, plant the seeds, nurture the plants that grow from the seeds and after sufficient time, reap the rewards of the harvest. There are so many things to learn and so many possibilities. In learning to be self-reliant we need to take it a step at a time. There are harvests of blessings at each stage.
In whatever circumstances you find yourself, try to plant some new seeds of self-reliance. Pick whatever fits into your lifestyle. None of us are exactly the same. The thing to remember is that our Father in Heaven wants us to be self-reliant. He wants us to reap the benefits of following that course. Move as quickly as you are able but not faster than you are able.
Spend some time reflecting on the things you have already done to become self-reliant. Count your blessings. Determine if it was worth the effort and if there is more you can do. Our choices that we make at the beginning of the season determine where we will be and what we will harvest in blessings later.
At this time of year as the gardens are closing down and preparations are being made for the winter, it is a good time to take inventory of the blessings we have reaped to this point. Truly we will discover that we reap what we sow.
Do the Best We Can
"The Lord doesn't expect us to work harder than we are able. He doesn't (nor should we) compare our efforts to those of others. Our Heavenly Father asks only that we do the best we can—that we work according to our full capacity, however great or small that may be."
Dieter F. Uchtdorf, "Two Principles for Any Economy," Ensign, Nov. 2009, 56
"In my quiet moments, I think of the future with all of its wonderful possibilities and with all of its terrible temptations. I wonder what will happen to you in the next 10 years. Where will you be? What will you be doing? That will depend on the choices you make, some of which may seem unimportant at the time but which will have tremendous consequences.
"Someone has said, 'It may make a difference to all eternity whether we do right or wrong today' (James Freeman Clarke, in Elbert Hubbard's Scrap Book , 95).
"You have the potential to become anything to which you set your mind. You have a mind and a body and a spirit. With these three working together, you can walk the high road that leads to achievement and happiness. But this will require effort and sacrifice and faith."
Gordon B. Hinckley, "Stay on the High Road," Ensign, May 2004, 112-13
Correct Choices Bring Freedom
"You live in a time of great challenges and opportunities. As spirit sons of heavenly parents, you are free to make the right choices. This requires hard work, self-discipline, and an optimistic outlook, which will bring joy and freedom into your life now and in the future."
Dieter F. Uchtdorf, "See the End from the Beginning," Ensign, May 2006, 42
There are more things in a garden that are harvested than vegetables. Watch this video to see what blessings can be found in growing a garden.
Building a Reserve for Long-Term Planning-The Next 5 Years
In previous newsletters we have covered the short term emergency fund or your rainy day fund, including adequate insurance to protect you against unforeseen, expensive emergencies. This month we will begin discussing what is coming down the road and building a reserve to prepare for those things. This takes a long-term savings plan.
To do this it is important to list anticipated expenses for the next five years. Things like buying a car, planned home maintenance or remodeling, special events (50th wedding anniversary, special vacation, family reunion,etc.) Also, include how much such an event will cost. To determine the amount to save each month, divide that number by the amount of months until the event.
Next, take a look at your budget. Determine if you have enough to put aside this money for your event. You can adjust the length of time to match how much you are able to save. If you find you do have the money in the budget to do this, set aside this money in a special account each month. This takes discipline but will pay off when the time comes for those life events for which you have been saving. The main thing is to avoid debt and live below your means so you have extra to put toward a special savings plan such as this.
Below are some articles that may help in working towards building a reserve and planning for the next five years.
The Secret to Living Well on $40,000 a Year
How to Pay Off Your Mortgage Faster-Paying off your mortgage faster will save you a lot of money you would be paying in interest. Then you could apply that money to long-term planning.
Thanks for sharing:
“I’m refinancing my home down one full percentage rate of interest. I keep an open line of communication with my lender, and I monitor financial news and the lender’s website. With advice from my financial planning partner (a member of our stake), I had calculated in advance the point to which interest rates would have to drop in order for refinancing to make economic sense. Two weeks ago, there was a brief window of opportunity in which I locked the rate. Rates are at historic lows. I encourage others to get their lenders and advisors to look at their situation and see if a better value is available.” - Michael
Family Home Storage
|Longer-Term Storage: Legumes|
Beans, peas, lentils, and peanuts are all legumes. They are a mainstay in the longer-term storage. Below you will find resources on how much to store and how to use beans in your storage program.
Slide Show: Guide to Beans and Legumes-Mayo Clinic
How to store legumes for longer term storage.
Questions and answers on bean storage.
14 Things To Know About Cooking Beans
Long Term Food Storage: Beans- Video
Pressure Cooking Dry Beans In Under An Hour- Video (There is a discussion on replacing oils or butter in recipes with beans.)
Replacing fat in a recipe with white bean puree.
Removing Gas From Beans
Split Pea Burgers
Health Benefits of Lentils-Video
100 Bean/Legume Recipes
Split Pea Soup Recipe-Video
Black Bean Burgers-Recipe
Pinto Bean Pie: Sweet Not Savory
How to use bean flours.
Bean Cuisine-Bean Flour
Peanut Butter Lovers-A website for anyone who wants to know more about peanut butter. yes, there are recipes.
Peanut butter Cupcake Video Recipe-Lots of other peanut butter stuff, too.
Self-Reliance: Family Home Evening Ideas
Sharing Time: A Happy Harvest- This is a family home evening comparing the harvest to missionary work.
Watch the video and discuss with the family the blessing that have come to them as they live the gospel.
Here are some ideas to save money in the upcoming season.
Traveling This Autumn? Five Fun Activities for the Frugal.
Why Buy Coupons
Frugal Gifts- Prepare for the gift giving season now and save money.Halloween costumes-Ideas for costumes that don't cost a lot.
Cold storage is yet another way to store your harvest of foods. It is also called root cellar storage. We have been doing this in one form or another for over 10 years. We started with a metal garbage can buried in the back yard. Now it is a cold room in the basement. It is wonderful to eat fresh vegetables harvested from the garden all winter long!
Successful Cold Storage
Root Cellars: Handle Your Harvest With Care
Build a Basement Root Cellar
Roots Cellars-Maryland Cooperative Extension
Storing Fruits and Vegetables at Home-Washington State University Extension
A Taste of Gardening-University of Illinois Extension
More things to go with last month's discussion of dehydrating:
Advantages and Disadvantages of Vacuum Packing
Dehydrated Food Shelf Life
Seasonal recipes and info:
Nuts-How to select, store and preserve nuts.
Grapes-How to select, store and preserve grapes.