Tag: money

  • Letter #39 (Treasure–2)

    Dear Small Church Pastor,

         There is a financial “rule of thumb” that deals with living within your means and has been around for a long time.  It states that finances should be arranged in a 10-10-80 ratio.  The idea is that, when it comes to budgeting and managing your treasure (money and other resources), you should give ten percent away (that’s your tithe), save ten percent and live from the remaining eighty percent.

         I understand that in today’s economic environment this rule sounds unreasonable, if not entirely outlandish.  The numbers don’t immediately seem to add up, considering existing incomes.  If a household makes $800 per week, that would mean tithing $80, saving $80 and living on the remaining $640.  If that system is followed for four weeks, you would have given $320 to God’s work, set aside $320 in savings/CD’s/IRA’s etc., and used $2,560 for living expenses.

         Here’s where your use of money is affected by your priorities.  If you will make a list of everything you spend your money on during the four weeks, you will see where it’s going and what you consider important. 

         Consider this example:  Housing/Utilities–$1,000; Vehicles–$750; Groceries–$600.  We’re up to $2,350.  You now have $210 for incidental expenses for the month.  This is a very simple budget, but I feel you get the idea.  That $210 will always be spent on your priorities.

         I remember when Kathy and I were first married.  We both came from working class families that had only one income coming into the household.  We had seen our families live modestly, because they had to do that.  We had realized our families had sacrificed taking care of some of their own needs in order for us to have a “better life.”  That realization became a foundation for our own lives.

         I remember eating out once a month, if that often, while I was working my way through college.  I remember that when Kathy and I married, we had a little over $25 in the bank, and most of that was spent on a dress she could wear as a bride and then wear to work the next week.  I remember the first time I made up my mind that we would tithe and then when we began automatically saving some of my paycheck for a rainy day, and both decisions were made with a degree of doubt that it would work out.

         I remember doing without luxuries.  I remember not buying new cars or trucks—ever.  (We’ve been married almost 52 years, and we have never purchased a brand-new vehicle.)  I remember having one nice suit of clothes for special occasions.  The rest of my closet was for work.  The old work clothes became my “grimy jobs” clothes.

         I understand having to do without.  I understand how there can be more month than money.  I understand working two jobs to pay the bills.  However, that lifestyle in our early years–all the tithing, all the saving, all the doing-without–has paid us dividends that I cannot completely describe except to say God made a way and has blessed us beyond our wildest dreams.  That lifestyle required some sacrifice on our part, sometimes serious sacrifice, but it has paid off in the long run, and, again, I give God the glory for His faithfulness over our years together.

        I challenge you to list all your monthly income and determine how much should be the tithe, how much should be placed into a savings account of some sort and how much you have left.  Then I challenge you to write out your expenses—every single thing you buy on a monthly basis, from your phone to your usual snacks.  Total it all up.  Now subtract the expenses from the 80% of your income.

         Do you have any money left from the 80%?  If you don’t, if you’re sitting with a negative balance, you are spending more than you are making.  If that’s the case, it’s time to take a serious look at your priorities.  Ask yourself what you can reduce or eliminate.  If you decide to reduce something, please do not make that something your tithe.  (Reduce your savings, if absolutely necessary, instead of reducing your tithe.) 

         If you cannot see how you can possibly live within your income, you need to seek counsel from a Christian financial professional.  The road out of financial bondage, debt and continual frustration may be long and require much self-discipline, but it will be worth it.  Your treasure can be a blessing, not a burden, but it will take submitting your lifestyle to God and allowing Him to work in you, for you and through you.

    Sincerely,

    A Small Church Pastor 

  • 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 #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

  • Letter #25–Generosity

    Dear Small Church Pastor,

         (This letter may strike a nerve or seem controversial, but I present it with all the grace and concern I can muster from my experiences.)

         According to a minister who was associated with it, there is a very small church located in our area that has a bank account totaling over $100,000 (That’s right–one hundred thousand dollars).  It has a small facility.  The congregation is quite small in number.  You might ask yourself how this could happen.  It may be that this happened because they did not share their financial blessings with anyone else over a very long period of time.  They merely banked them “in case we need the money.”

         The building is well-kept.  The grounds are neat.  They even have a newly designed sign out front.  But they are lacking something, and it reveals itself in the few cars and trucks parked on the grass when they meet.  They are so “thrifty” when it comes to spending money that, in the eyes of those who are familiar with their situation, they appear to lack generosity.

         The lack of generosity in financial matters has a way of spreading to every other area of a congregation.  Its insidious influence can be seen in the lack of outreach to a community.  It shows up in no new faces in the worship services for months, even years.  The lack of generosity is revealed in the percentage of income that is invested in local, regional, national and world missions annually.  It is evident in the lack of new salvations or re-commitments to God recorded during a calendar year.  It is demonstrated in the reality that few, if any, members of a congregation have ever shared their faith with anyone else.

         Generosity is a mind-set.  Generosity is a lifestyle.  Generosity is a valued characteristic of people who understand that blessings are designed to be shared, not hoarded in self-interest. 

         Generosity is the opposite of a clenched fist that desperately tries to hold onto blessings in fear of losing them.  Generosity is the open hand that freely gives because it has feely received.

         Allow me to encourage you to teach about, encourage and promote generosity in your people.  As you teach, encourage and promote, remember that generosity includes more than just money.  It also includes time and talents. 

         You might want to present a series of messages that show how time, talents and finances were generously shared in the Old and New Testaments through the free-will offerings as well as through tithes, through working together to achieve common goals and through dedicated time investments that benefitted people.  Then you might highlight examples of generosity from all three areas in your locale. 

         As you lead your people, provide opportunities for people to give their time, talents and money toward missions, community outreaches, local charities or joint work projects with other congregations.  Encourage them to be generous toward others individually as they encounter needs around them.

         Set an example of generosity in your own life.  If you are giving of your own blessings toward them and others, some of them will eventually realize you are practicing what you are preaching.  Examples are great teachers.

         One of our pastorates involved a congregation that had learned the value of generosity.  One year as I looked at what we had accomplished through outreaches into the community, I realized we had invested thirty-four percent of all our income into local, state and national missions.  I know that’s not a record, but I also am keenly aware of the limited incomes of the families in that congregation.  They gave in their own need.

         During that same year, we volunteered to provide labor to rebuild a home that was terribly deteriorated for a single lady.  The rebuild took months of weekends and vacation time to accomplish.  We also fed over 300 people each month at our missions dinners.  That congregation had invested themselves generously in the cause of the Kingdom of God by sharing the blessings God had sent to them.

         As with all aspects of ministry, developing an attitude of generosity will take some time if it does not already exist in the people.  If the attenders are already tithing, fostering generosity may be easier to accomplish.  If not, the people need to understand their responsibility to the tithe, a responsibility that reflects an understanding that God already owns all our resources and that we are simply giving back into His Kingdom work that which He can acquire in any method He chooses to use.  And tithing does involve generosity in general, in my opinion, because it involves giving from what we have into a need that should be met through the congregation.

         If you are blessed with a congregation that understands what a free-will offering of time, talents and treasure entails, you are at a definite advantage over someone who is having to start from scratch by teaching about giving in general.  Such an already generous congregation often will continue in their giving in ways that may surprise even a veteran pastor, because they are individually meeting needs that are never openly mentioned to the whole congregation.

         Example: I know of someone who often has helped older people who have trouble operating a new smart phone or a new laptop to access the internet.  (I suppose generosity can include sharing knowledge, too.)

         A final thought that may stimulate your curiosity—take a minute to search out the word “freely” in the Bible.  It can give you one starting place when it comes to promoting generosity.

    Sincerely,

    A Small Church Pastor