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Not mormon, but Dave Ramsey has great books on personal finances.
He is a christian. And his books relate the message.
Look for the books at your library or your bookstore.
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"one for the money"

do an Ensign search on lds.org for money management. This is what i have gleaned from all the information: in a nutshell, the lds way is 10% tithe, 10%retirement, 10% to debt repayment, and live on the remaining 70%. have an emergency fund and a food store. pay off your mortgage asap.

the church welfare section of LDS.org has a lot of info.

the dave ramsey way works too, but the LDS way , for me, is more sane and slow.

listen to this guy everyday http://www.daveramsey.com/radio/?#listenlive-tab
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Ya Dave Ramsey’s snowball financing is great. Thank goodness LDS don’t restrict sources of good information just because a person is a different faith.

LDS-Christian
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I have the "One For the Money" book and have read a few of Dave Ramsey’s books… both are great resources. You of course have to look at your own budget and see what you can afford.
We got into a LOT of debt, just being dumb, and now are trying to pay it all off quickly with work bonuses, tax returns, selling things, etc.
First thing – ALWAYS pay your tithing the very next Sunday after payday. Always. We sort of look at it as the most important "bill" we have. More than our mortgage.
Set goals. We set a goal to be out of non-mortgage debt by the end of this year and are working toward it.
Stick to your goals. It can be really hard sometimes but do it!
We don’t really have any money set aside for retirement… we don’t have any money to save right now, we are trying to get things paid off, but the 10/10/10 thing will work in a year or so.
We aren’t saving for missions because we have girls – we’ll cross that bridge if we need to later 🙂

Good luck! Just remember what the leaders have always said – don’t live above your means. Don’t spend every last penny just because you have it to spend.
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LDS

The answers given to you so far are just about what I have in mind. However, all those recommendations will not be of any good to you if you do not follow them seriously.

One of the things I do is make a budget which is also included in "One for the Money". I created a spreadsheet, through Excel, where I listed all my MONTHLY REGULAR EXPENSES. I summarized my last 3 months expenses and divided them by 3 to get the AVERAGE. If you know how much you want to spend for each item, go straight to creating the worksheet which follows.

The following are the columns in my spreadsheet:
Column 1 Description
Column 2 Average Expense (Budget)
Column 3 Actual Expenses
Column 4 Over or Under Expense

The average figures I got from my 3-month expenses become my Budget figures. As each expense comes in, I input the amount in Column 3 (Actual Expense). As each amount is inputted, your Column 4 (Over or Under Expense) automatically gives you the difference. You know at a glance how you are doing as days go by.

If your budgeted amount exceeds your incoming cash (wages or other income), you change right away your budget amount to coincide with how much you want to save or spend.

If you do not know how to use a spreadsheet, Excel (from Microsoft Office) or Openoffice (available free from http://www.openoffice.org), there are books from your local library that will show you how to use either one of them.

If you have some questions about using Excel, you can contact me. Your righteous desire to financial stability will be a great blessing to your family.
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