As a member of the Church of Jesus Christ of Latter-Day Saints, I believe in modern revelation and that we have prophets and apostles today that receive that revelation for the whole church. I am FAR from perfect at following all of their council, though I do try. Michael and I have had to make some tough decisions, and we often turn to our Heavenly Father and the council of our prophets when making those decisions. This is one example of a talk given that rang crystal clear to me. I pray, honestly pray in my prayers that others can understand this philosophy and support us, as we have counseled together. Sometimes even things that we want and that are really great things, are not realistic at the time. I included the link to the talk if you're interested in reading it, and I included some of the quotes that provided answer to my dilemma. Hi-lights added by me.
Provident Living by Elder Robert D. Hales
"All of us are responsible to provide for ourselves and our
families in both temporal and spiritual ways. To provide providently, we must
practice the principles of provident living: joyfully living within our
means, being content with what we have, avoiding excessive debt, and diligently
saving and preparing for rainy-day emergencies. When we live providently, we
can provide for ourselves and our families and also follow the Savior’s example
to serve and bless others."
"I have learned that the three most loving words are “I love
you,” and the four most caring words for those we love are “We can’t afford
it.”"
"There is an equally important principle underlying these
lessons: we can learn much from communicating with our husbands and wives. As
we counsel and work together in family councils, we can help each other become
provident providers and teach our children to live providently as well."