You Can Afford to Give, Here’s How

Every Sunday we take up an offering at our church. If you’re a pastor, you probably do as well. If not, you may not be a pastor for very long. The offering goes to pay for the building expenses, salaries, ministry expenses, and so on. All of these things work together to produce life change through Jesus.

I can’t think of anything better to give to. I think most church people would agree, however there is a large percentage of people within our churches that don’t feel like they can afford to give.

But they can, and I’m going to show you and them how.

Quick clarification, I’m not talking about tithing. I certainly believe in tithing, and I think more people should do it. Current estimates show that only around 5% of Christians in the United States tithe. That’s sad, but I can’t fix that in five easy steps.

But everyone can give…something.

And I’m not talking about your time or talent, although I certainly appreciate those who serve. But serving doesn’t take the place of giving in our lives.

I’m talking about taking some of the finances that God has allowed you to have and giving it back to the church to be used to advance God’s kingdom instead of yours.

You see most people who say that can’t afford to give to church have no problem spending money on themselves.

Nevertheless, even those people can afford to give, if they’re willing to make a few small sacrifices in their life.

Here are five easy ones.

  1. Cut your cable/satellite costs.

Do you really need 200 channels? How much TV are you really watching in your busy life? Consider downgrading your package, negotiating a new rate, or cutting your cable completely. With all the streaming options available to us today, there’s no reason the average American should still be paying over a $100 a month for cable or satellite. (Estimated Savings $15+ a month)

  1. Bring your lunch to work.

I like going out to eat. I think we all do. But I’ve discovered that you spend a lot of money going out to eat as opposed to bringing your lunch. You can easily save 50-60% by eating a frozen meal, or bring leftovers and save 100%. You don’t have to cut out all eating out. Cut back to once a week, and see the difference it makes. (Estimated Savings $40+ a month)

  1. Drink water when eating out.

If you do eat out, instead of ordering a soft drink, order water. Soft drinks can range from 99 cents to up to $4. That really adds up, especially when you eat out as a family. I don’t like water, but I’d rather drink it than pay for an overpriced Coke. (Estimated Savings $10+ a month)

  1. Adjust your thermostat.

The United States is one of the few countries where heating and air exist. So if you live in the U.S., you should be thankful, but you should also realize that it’s not necessary for your home to be 65 in the summer and 78 in the winter. Estimates show that you can save around 3% on your electric bill for every degree that you move up in the summer or down in the winter. That means adjusting just 3 degrees can net almost a 10% savings. (Estimated Savings $15+ a month)

  1. Dinner or a Movie.

I admit there are certain things that just go together, bacon & eggs, peanut butter & jelly, dinner & a movie. But what if you chose to do just one or the other? Instead of doing both, eat dinner at home then go to a movie, or go out to eat then come home and watch a movie. It would be a significant savings. (Estimated Savings $25+ a month)

If you add these all up, a person could potentially save over $100 a month, which means they could afford to give $20-$25 a week to their church. That may see like a small amount, but if those not giving in my church would just do this, it would result in over $100,000 more each year.

What would it mean for your church? What would it mean for your community? And why won’t more people choose to give? Let me know your thoughts by leaving a comment, and make sure to subscribe to the blog to get tips on church growth, leadership, and more delivered to your inbox each week.

Growing in Generosity

I recently had the opportunity to go on a Vision Trip with Compassion International to Kenya. Even though I’ve been back for a few weeks now, the things I experienced continue to impact me every day. The story that continues to inspire me the most involves a young man, a piece of candy, and a lesson in generosity.

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Whenever you go on a trip like this, you can’t help but fall in love with the kids.

They run to see you, they hold your hand, they want to be held, and they rub your arm hair. Rubbing your arm hair may just be a Kenya thing. I’m not sure, but they’re excited to be around you.

Throughout each day I found there was always one or two kids that I especially connected with for whatever reason.

On one particular day, we drove two hours outside the city of Nairobi to a very rural area to be with children who were part of the Maasai tribe.

The Maasai are known for very intricate bead jewelry, and many of the kids were wearing bracelets, necklaces, and other pieces of jewelry.

I told one young man I really liked his necklace, slipped him a piece of candy, and went about my day not thinking much about it.

Our group went on to explore the grounds, which included the church and school there, and later went to visit a child’s home so we could get an idea of how they lived.

In every home visit we made throughout the trip, I was constantly amazed by the conditions that these kids and their families are living in. This particular home was made of mud and sticks and may have been a hundred square feet total with a five-foot ceiling.

As we walked back to the project for lunch that day, the young man who I’d complimented on his necklace and given a piece of candy to came up to me with a gift in return.

He handed me his necklace.

The necklace he had spent hours on making by hand. The necklace, which was one of only a few possessions he would even have.

I was overcome with emotion and blown away by his generosity.

I told him I couldn’t take it, but he insisted.

I had blessed him by giving him a simple piece of candy, and he decided to bless me back by giving me much more than I deserved.

I’ve always felt like I was a generous person. I’m learning that I have a long way to go.

Have you ever been blown away by someone’s generosity? I’d love to hear the story. Make sure to leave a comment below, and if you haven’t already, make sure to subscribe to the blog to get tips on church growth, leadership, and more delivered to your inbox each week.

Creating a Simple Church Budget

It’s not uncommon for some small churches to operate without a budget because it’s not uncommon for many people to operate without a budget in their personal finances. The church I serve operated for the first few years without a budget. In their minds as long as the incoming was greater than the outgoing then everything was fine.

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In my mind, everything wasn’t fine, in my mind that seemed like a terrible way to handle church finances. They needed a budget, and your church does too.

A budget allows you to not only see where the money is going but gives you the ability to plan where the money is going.

The interesting thing was they weren’t opposed to a budget, they just didn’t know how to set one up. You may be in the same situation, so I want to show you how to create a simple church budget.

A budget is made up of income and expenses.

Income is pretty simple. It consists of tithes, offerings, and any other type of special giving. The income in your budget should reflect the average giving in your church over the last few years.

If your church has been growing or declining, it can be wise to look at the trends over multiple years. For example, say your giving in 2014 was $250,000, in 2015 it increased to $300,000, and you’re on track to receive $350,000 in giving in 2016. If this is the case, you may feel comfortable budgeting your income at $400,000 for 2017.

Remember you can always go back and readjust if giving is more or less than you expected.

Now, let’s move on to expenses. The great thing about tracking expenses is that you can see exactly where the money is going. To keep things simple, let’s put our expenses into five categories.

Employee Compensation

In this category you want to track salaries, but don’t forget about the additional employee expenses such as: housing, bonuses, insurance, retirement, payroll taxes, etc. All of these should be included in this category. The average Protestant church spends around 45% of their total budget in this category.

Facilities

Facilities include mortgages, leases, utilities, landscaping, and maintenance. We also include expenses like cleaning supplies, paper towels, hand soap, toilet paper, etc. This category should make up 20-25% of the total budget.

Ministries

For us this category consists of any expense related to the ministries in our church including: kid’s ministry, first impressions, small groups, student ministry, worship ministry, and leadership. This category should be around 10% of the total budget.

Outreach

Outreach includes foreign and local missions, marketing, and benevolence, as well as other administrative costs. This category makes up 5-10% of the total budget.

Weekend

This category consists of expenses directly related to the weekend worship experience. A large portion of this budget is related to special events like Easter, Mother’s Day, Father’s Day, Fourth of July, and Christmas. It also includes things like coffee, doughnuts, free gifts, and creative elements in the service. This category is around 5% of the budget.

Hopefully, if you’ve done the math correctly, you should have 5-10% of the budget leftover for savings. However, don’t be surprised if unexpected expenses arise that take a portion of this percentage.

If you’ve never had a budget before, you may have to guess on some of the expenses the first year. Don’t let this keep you from doing a budget. What you’ll find is that each year you’ll get better and better at knowing where the money is going, and that’s a very important thing.

Does your church have a budget? If not, I’d love to help you get one set up, just go to my contact page and send me an email. Also, if you haven’t already make sure to subscribe to the blog and get tips on church growth, leadership, and more delivered to your inbox each week.