Tag: invest

  • Letter #38 (Treasure–1)

    Dear Small Church Pastor,

         Matthew 6:21 and Luke 12:34 state, “Where your treasure is there will your heart be also.”  Notice that the statement indicates your heart goes where you put your treasure.  In other words, where you invest your finances or other resources will reveal your priorities.

         If you will look at your banking app or your check register or whatever else you use to keep track of how you spend your money, you will see fairly quickly what you consider to be the important things of life. 

         We all know we have basic needs that have to be met—food, shelter, clothing and other needs essential to our existence.  Those are given expenses.  However, if you will look past those items to your expenditures other than those survival needs, you can see where you are prioritizing your spending.  Identify those things.  Then write them down somewhere and take a close look at the list.  These are your priorities.

         Now ask yourself a few questions:  How many of these things are luxuries instead of necessities?  Which items are purchased so I can keep up the appearance of success?  How many duplicates are there that are not essential to my existence?  Am I investing money in things that are satisfying desires and not needs?  How many of these items can I live without? 

         Two final questions:  Can I shift expenditures so I am benefitting others instead of myself?  How can I better use my money to benefit the Kingdom of God?

         If you can honestly answer these questions and make some decisions about how you are investing your money, you will be on track to using your money more efficiently and for better results, not just for yourself, but for the cause of Christ, too.

         Now, allow me to approach one of the controversial topics about money—tithing and free-will offerings.  Are you tithing and generous in your offerings?  If yes, great.  Keep doing that.  If not, start.  There is a definite spiritual principle involved in tithing and giving offerings.  You are demonstrating faith in God’s ability to help you survive on 90% or even less, depending on your offerings.  Remember all your blessings originate in God and His bountiful supply to His children.  The 100% came from Him.  It’s His anyway.  And God looks for our obedience in this area of using our money.  (Remember Malachi’s statements to Israel?)

         If your mind and bank account scream that you can’t make it on less than 100%, don’t listen to them.  If you honestly answer the questions about your spending from above, you should see areas in which you are spending money that does not just need to be spent.  There is a possibility that money should be your tithes and offerings.

         Allow a few examples, if you will.  How many times a week are you eating out instead of cooking at home?  Is lunch in a restaurant or out of a packed lunch from home?  Is the coffee shop one of your stops on the way to work, or are you bringing a thermos with a beverage you brewed for much less money?  How many full outfits of clothes are in your closet?  How often do you change vehicles and start financing all over again?  When was the last time you fixed something, instead of replacing it?  Do I need to continue?

         Please notice something about giving into God’s work—this will require obedience and self-discipline on your part.  It will require you to submit your desires and wants to God, as much as your needs, and to ask Him to show you how you can fulfill His will when it comes to your finances.  Please, please, work out your own giving through His guidance, and avoid the temptation to compare your giving to what others give.  The amount is not the critical aspect here.  The obedience is the important thing.  Obedience to God in giving will be rewarded.  It might not come this week or next month, but the reward will come.  God always honors diligent, persistent obedience to His spiritual principles.

         Another thought on this topic—be sure your people see you put your tithes into the offering plate or box or whatever system you use.  If you’re using all digital offerings and tithes, tell them that you have sent yours in and they can follow suit by making a few clicks, too.  Explain to them how to use the digital giving portal.   If you expect your people to give into the work of God, you need to show you are doing that, too.

         (This is probably enough to consider for this letter.  More about treasure in the next letter.)

    Sincerely,

    A Small Church Pastor

  • Letter #37 (Talents)

    Dear Small Church Pastor,

        (This one is a spiritual exercise as much as it is a letter.)

         Another indicator in determining your priorities is where you invest your talents (skills, abilities, God-given spiritual gifts).  You haven’t just learned knowledge that you can utilize.  You also have innate, natural abilities that come to you from your genetic makeup.  And the Holy Spirit has gifted you with one or more spiritual gifts as described in the New Testament letters.  All these combine to create a long list of talents you possess.

         Here are the questions you know are coming—How are you using your talents?  Where do you invest your knowledge and skills?  Have you shared your spiritual gifts with others to their benefit?

         Take a quick inventory.  What skills do you possess?  What specialized knowledge?  What spiritual gifts?

         Well, what are they?  I challenge you to make a list of what your talents are.  Go ahead.  Make an honest list.  Take a few minutes and write them down.

         Now that you have the list, what talents would you like to add to the list?  Write those down, too.

         How many of these talents are being used to bring glory to Jesus?  How many of them are strengthening the body of Christ?  How many of them are “the better gifts” that are designed to encourage and build up other disciples?

         At this point, it would be good for you to talk to the Holy Spirit and ask to be given the gifts He has available for you because scripture says He will give them out according to His will and His choice.  Then ask Him to help you develop any new gift He decides to give you and any new skill/knowledge He opens the door for you to acquire.

         Look at that list!  You are talented!  You have skills!  You have knowledge!  You have spiritual gifts!

         Use your talents to benefit the Kingdom of God.  If you are using some of them for other reasons than benefitting God’s Kingdom, ask yourself what those reasons are.  Then pray about the reasons that may not be helping others to get closer to God.  Ask the Holy Spirit for guidance if you believe you need to redirect some of your talents.  Ask God to show you how to use your talents best for your own growth, for our family’s future and for the advancement of the body of Christ.

         Remember, you will invest your talents into your priorities.

    Sincerely,

    A Small Church Pastor

  • Letter #35 (Priorities)

    Dear Small Church Pastor,

         Matthew 6:21 and Luke 12:34 both state, “Where your treasure is, there will be your heart also”.  It can also be said that you invest your time and your talents in those things that are important to you.  In other words, you will put your time, skills and money into those areas of life that you consider important enough to require your focus and devotion.  These areas can be referred to as your priorities.

         I don’t watch much television, but I recently happened to see part of a football game that was televised from a large outdoor stadium.  It was snowing and, based on the clothing people were wearing, quite cold.  According to an article from the New York Times from September 5, 2025, the average cost of a ticket to attend such a game is $279. 

         The typical pro game lasts about 3 hours.  That does not include driving time to and from the game or any side trips for meals or the famous tailgating parties.  Attending the game would essentially take the better part of a day and would, all incidental expenditures considered, involve a hefty empty space in each attendee’s wallet.

         Based on the money and time investments, I would venture to say that attending that game was a priority for the people sitting on those snow-covered bleachers. 

         Humor me and allow another example from a situation closer to home, so to speak.  A young couple we know came to worship complaining about not having enough money to repair their malfunctioning HVAC unit.  They talked about how their month seemed to always be more than their paychecks.  I knew the husband had a very nice newer truck, and the wife had her own vehicle, both with payments.  Then the wife said two statements that shed some light on their financial situation.  She first commented that they were going to be short on finances the whole season and did not know where they would get the money to pay all their bills.  Secondly, she revealed they would soon take a trip to a theme park that would cost them over $1,000 for a weekend stay at the park.  She had unintentionally revealed their priorities.

         Please do not misunderstand me.  There is nothing wrong with attending a sporting event or going to a theme park.  I have participated in similar activities.  However, I do understand we all will rationalize our “priorities” from time to time to make ourselves feel good about our expenditures of time, skills and money.  I’ve done that, and I dare think you may have, too.

         Here’s the rub with this priority topic—when we set our priorities, what do we use to establish a standard for setting those priorities?  Where do we draw the line on using our talents?  How much is too much to spend for something not already budgeted?  What is “wasting time” as opposed to “using time wisely?”

         Our priorities will determine the paths we take in life.  When we realize this fact, we should determine if our priorities are lined up with God’s will for our lives.  We must ask ourselves if our priorities demonstrate that we are living according to God’s call to minister to others for His kingdom’s sake.  We must take a serious look at those things we consider to be most important and determine if they coincide with what God says should be most important.

         Serious stuff, right?  Absolutely!  So, where do we turn to find out what God wants us to establish as our priorities?  You know the answers—scriptures and prayer.  But how often do we not go to those sources when we promote things in our lives into the position of being priorities?  How often do we do what we want, instead of seeking God’s guidance on how important something should be in our lives?

         Please do not take this letter as a personal condemnation.  It is a challenge.  Allow me to challenge you to sit down with whatever you use to take notes and begin to list where you spend your money, how you use your skills or talents and where you invest your time.  These three indicators will show you what you consider a priority.  Once you have done the identifying, then prayerfully go to scripture and seek God’s guidance on what you need to keep on the list and what you can reduce or eliminate from the list.  Remember, your priorities will motivate you and influence what you do, where you expend your energies, and how you invest your resources.  Just be sure your priorities agree with what God wants you to consider important.

    Sincerely,

    A Small Church Pastor