Years ago the home teachers were asked to distribute a pamphlet from the Church called "One for the Money" taken from a General Conference talk by Marvin J. Ashton in a Welfare session. It is the closet thing I know to official Church counsel on money. In it he said:

"Avoid finance charges except for HOMES, EDUCATION, AND OTHER VITAL INVESTMENTS. Buy consumer durables with cash. Avoid installment credit and be careful with your use of credit cards."

The whole talk may be read on the Church website at

"There is no place in this work for those who believe only
in the gospel of doom and gloom. The gospel is good
news. It is a message of triumph." --Gordon B. Hinckley
All my opinions are tentative pending further data. --JWR

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