lesson manual # 22: manage your finances 2018-02-05آ lesson manual # 22: manage your finances at...
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Lesson Manual # 22: Manage Your Finances
At BYU-Idaho, that distinctive role starts with the mission of the university to “develop disciples of Jesus Christ who are leaders in their homes, the Church, and their communities.”
Part of this is evident in the real-world preparation we provide to our students, which includes applied learning in the classroom, internships, leadership activities, and the BYU-Idaho Learning Model itself. All of these efforts happen in ways that provide a high-quality education at an affordable cost.
You are at a special and distinctive place where significant investment is being made on your behalf.
Do you start to sense just how committed the Lord and His Church are to you and your education?
To understand the implied responsibility each of you have as recipients of this investment, I want to share with you a story of someone who didn’t start with as much opportunity or life resources as many of today’s BYU-Idaho students.
Heber J. Grant was raised by a single mother. He grew up in poverty, in a home where his mother was forced to take in boarders to help provide for the family. And yet, despite these challenges, Heber J. Grant would go on to do remarkable things and later be called as an Apostle and eventually as the President of the Church. But despite his initial liability of growing up in poverty and without a father, Heber J. Grant did have one distinct advantage in his life.
After his father was buried, his bishop, Edwin D. Woolley, gave him a name and a blessing. In that
Assignments • Read excerpts from Children of Promise by President Clark G. Gilbert • Read You Can’t Take It With You by Kent W. Davis, biology faculty member at BYU-Idaho • Review Paying For College: Aid And Other Resources information • Complete Part 4 (key reflective insights) of the “ePrep” portion of your Journal document and submit this prior to the start of class.
Excerpts From: Children Of Promise President Clark G. Gilbert
Devotional Address - September 2016
Children of Promise
blessing, Bishop Woolley saw by revelation that the infant boy would one day become an Apostle of the Church (Craig K. Manscill, Robert Freeman, and Dennis Wright, “Presidents of the Church: The lives and teachings of the modern prophets,” Cedar Fort, Inc., 2008.) As President Henry B. Eyring later described, “People then and since have called Heber J. Grant a ‘child of promise.’ He was. But his departed father didn’t make the promises to the child, [nor did Bishop Woolley]. His Heavenly Father did” (Henry B. Eyring, “Child of Promise,” BYU Speeches, May 1986).
Like Heber J. Grant, the students of BYU-Idaho are children of promise; and while every one of us faces different challenges and constraints, we also have the same gifts Heber J. Grant had—supportive resources in the Church and the promise of a loving Heavenly Father who knows who we are and who we can become.
To realize our potential as children of promise, we have to work hard to put to work the resources the Lord has prepared for us. In this regard, we can learn from three characteristics in the life of Heber J. Grant: self-reliance, stewardship, and replenishment.
Self-Reliance President Grant was long known for establishing a Church welfare program on the principle of self-reliance. This principle goes far beyond the important idea of spending less than you make. Self-reliance also implies an ethic of personal responsibility that rather than sit back and wait for people to do things for you, you actively seek those resources yourself and use them responsibly and deliberately. As students at BYU-Idaho, this principle of self-reliance may apply in your search for financial resources. But rather than approaching the Student Financial Aid Office with the question of “How much can I get?” you might ask, “How much do I need?” which would require you to have built a budget and possibly find a part-time job.
Note that self-reliance is much more than a financial aid principle. If you are struggling in a class, being self-reliant means that you should consider going to the Tutoring Center for help.
Stewardship Each of you has talents that the Lord has given you. Some of those are individual spiritual gifts and personal strengths. For all of you, those talents include the remarkable resources the Lord, and His Church, has invested in you through the creation of this university.
Academic Stewardship The first is an academic stewardship. President Uchtdorf has said that “for members of the Church, education is not merely a good idea- it’s a commandment” (Dieter F. Uchtdorf, “Two Principles for Any Economy,” Ensign, November 2009). At BYU-Idaho, that education begins with the introduction of the Learning Model, where we invite you to take responsibility for your learning and become the natural leaders that President Eyring has described. That stewardship extends to planning your academic future and developing your grad plan at BYU-Idaho. Use the resources in the Academic Discovery Center to help you make wise choices about what to study. That stewardship also includes your time to graduation. Did you know that your probability of being an engaged future employee nearly doubles when you graduate on time and with modest college debt? (Gallup Purdue). Work hard in your classes. Take your education seriously.
Spiritual Stewardship Attend weekly devotional. Participate fully in your ward. Know and live the Honor Code. Live your best, and let this place change who you are spiritually.
Career Stewardship Do you realize that students who have meaningful internships become better students and have more- fulfilling careers?
Life-Skills Stewardship From family skills you will learn in the Eternal Family course and our Student Living program, to personal finance principles we teach in foundations and in the Financial Aid Office, to well-being principles taught in Student Wellness and the Counseling Center, we want you to learn to be a balanced, healthy, well-rounded individual who can
Children of Promise
manage your time and your life in ways that make you an effective future parent, citizen, and member of the Church.
Leadership Stewardship We expect that students of BYU-Idaho will go forth from this university to be leaders in their homes, the Church, and their careers.
President Henry B. Eyring called this “natural leadership” when he saw the future graduates of BYU-Idaho having lasting impact because of “their capacity to build the people around them and to add value wherever they serve” (Henry B. Eyring, “A Steady, Upward Course,” BYU-Idaho Devotional, September 2001).
Replenishment There is yet another way you can honor the investment and sacrifice that others at this university make in your behalf: give back and replenish the investment that is being made in you.
How can you give back? At some point, we hope you will contribute financially to the university and particularly to those in financial need. But since most of you live on a low-cost budget already, we don’t expect that now. What we do expect is that you give back, even during your time as a student, by finding another student in need and reaching out; by lifting someone up academically, emotionally, or spiritually. If you have had a great experience with the resources given to you on this campus, find someone else and share with them.
I hope all of you know you are children of promise. You have a remarkable future ahead of you. The Lord has given you talents and other resources you can draw on for that future. One of those gifts is this remarkable university. To realize that promise, you will need to become more self-reliant, strengthen your stewardship over the gifts you have received, and be willing to replenish what you have been given both now and in the future.
As you seek to realize these responsibilities, I know the Lord will bless you with added strength and capacity to become who He wants you to become.
Excerpts From: You Can’t Take It With You Kent W. Davis - BYU-Idaho Biology Faculty Member
Devotional - August 2013
We should also remember that while we can’t take our money with us into the next life, we will carry the consequences of our decisions about money with us into the eternities.
First, let’s be clear that the Lord does care about money, and is willing to help us care for it.
My family and I learned that the Lord is willing to help us in money matters years ago, while I was in my medical training in Salt Lake City. Sister Davis and I would have our small children say their prayers out loud with us. Our oldest boy, Taylor, gave a rather brief prayer one evening that consisted only of asking the Lord for $10 so he could buy a toy workbench. We both wondered whether a prayer like that was really okay or not, but decided to leave it alone. The next day, our 90-year-old neighbor from across the street, named Jim Downward, knocked on our front door. When Sonja opened the door, he handed her $10 and told her that it was for our little boy. She, of course, was surprised and amazed, and asked Jim why he had done this. He just answered that he didn’t know, and then turned around and returned home. Through that experience, we were reminded that the Lord hears and answers his children’s prayers, usually through the actions of others.
We have a good friend who lives with his family in a modest sub