Daily Repentance

"We all live on spiritual credit. In one way or another, the account builds and builds. If you pay it off as you go, you have little need to worry. Soon you begin to learn discipline and know that there is a day of reckoning ahead. Learn to keep your spiritual account paid off at regular intervals rather than allowing it to collect interest and penalties." -President Boyd K. Packer, "The Savior's Selfless and Sacred Sacrifice," April 2015 Ensign