Despite counsel to live below our means, most people live at or above their means, regardless of income level. How can we recognize the difference between wants and needs? What are some practical everyday tips in budgeting, shopping, and saving to help live providently? Instead of having an abundance of "things", how can being financially responsible bring us happiness? What role does paying an honest tithing and fast offering play in financial security? Further materials and resources can be found at the BYU Marriott School of Management Personal Finance website at personalfinance.byu.edu.