How to overcome the end of year Financial Crisis

If you have been around churches long enough you will have seen or experienced a scenario something like the following. At the end of the year either the treasurer or the senior minister stands before the congregation and tells them that the church is behind budget and asks people to dig deep to make up the shortfall. There are lots of negatives here.

 First, while it may be necessary it doesn’t convey the feeling that the church is powering ahead and kicking goals for Christ’s kingdom.

Second, the appeal is framed in terms of need rather than vision. Remember that money doesn’t follow need, it follows vision.

Third, and this is closely allied to the above, the appeal  addresses budget shortfall. Budget is a perfectly acceptable word and very necessary in terms of responsibly running a church. However, the term should be banned in any discussion of raising money. Budgets don’t fire up the juices of the average parishioner who don’t want their money plugging up holes in a leaky ship.

Fourth, this request generally means the church is not having an alternative appeal such as a Christmas request for a mission project. The visionary project often gives way to the ‘stop the leak’ project.

It is not at all unusual for a church to be around five percent behind budget and while this should not be ignored neither is the sky falling in. So what should be done? In my book Giving Generously I detail how to raise money for local church ministry. If such a process is conducted prayerfully, boldly and sensitively people get excited about the ministry and will give to it. One of the items I describe, is a request to support up to six special projects. One of these projects was called ‘Our Church Our Ministry’. My successor at Figtree Anglican  Church helpfully broadened the name to ‘Our Church Our Community’.

What it is in effect saying, is, please contribute some funds that can be used by the church leadership in any way that is beneficial. Where people trust the leadership and are generally supportive of the ministry and direction of the church, this project is often amazing well supported. Naturally the funds can be used in a range of ways. One would be to assist the seed funding of a new staff member. Another may be topping up the shortfall in one of the other projects. Another might be paying for any expenses that may have been generated in running the financial campaign in the first place.

However, some of the funds can also be used to fill in any end of year shortfalls. Naturally this won’t the primary way in which the money should be used. It should go into visionary projects. However sometimes this is necessary and it is far better than going cap in hand to the congregation close to Christmas. An appeal at Christmas is an opportunity to stimulate generosity to an outside worthy cause. For more on this topic and raising money for ministry, see my book Giving Generously. https://givinggenerously.com/buy-the-book-2/

Midyear Appeal.

A church that my wife and I attend is having its annual midyear appeal. Yes we are asked for money. If fact the congregation was asked for an eye watering amount of $1.7 million. But as far as I know people do not seem to be aggravated, offended or annoyed. In fact there is a sense of excitement and  joy and positive emotion. What is going on?  I have been teaching on giving and generosity for nearly twenty years. I know it is a topic that exercises the minds of most ministers on a very regular basis. However, it is also a topic that can make some church leaders very edgy. The reason is that they do not want to manipulate their congregation or they do not see how to raise resources without embarrassment or antagonism.

So why were we happy to be asked to give to this appeal?

The first reason is that we basically trust the church leadership. We have known the senior minister and many of the senior staff for many years and firmly believe they are honest people who will act honourably and responsibly. This is huge. People will not give if they do not trust those asking.

Second, the church has an excellent track record. When they have asked for money before,  we are confident that it has used for the purposes stated.

Third, I am actually asked to give and give generously. There is no’ um’ ing and ‘ah’ ing around or hanging the head with a nervous embarrassment. It is clearly stated that, we are asking this year for $1-7 million dollars. Will you give generous towards the appeal? The simple fact is that if you want to raise money for ministry you have to ask and ask confidently.

Fourth, while we are asked confidently, the appeal is also transparent. We never get the feeling we are being tricked, coerced or manipulated.

Fifth, there is a spread of projects areas.  All the money will go to some form of ministry to further the outreach of the church. Some will go to support the church’s very impressive overseas mission work on which we are regularly updated. Some will go help the poor and refugees in our own community. Some will go to further the church’s counselling centre ministering to the church and community. Some will go to plant more churches in a roughly half an hour radius of mother church. There is a project in there that will stir the heart of almost every one.

Sixth, the message is communicated clearly and vibrantly and passionately. There is a month of messages where the themes of the appeal are repeated. But there are also testimonies from people who have had their lives changed  as a result of former appeals. Further, each week we are shown a different video highlighting work overseas or on other church campuses. These are powerful, well produced and engaging.

Seventh, the senior minister gave a lead in giving. It is a clear indication he has skin in the game as he asks us to play our part.

Finally, while most of the projects have some sort of social care element , they are all undergirded by a genuine desire to have people come to know Jesus as Lord of their lives and be transformed by His work and His love. This spiritual gospel dimension is not some sort of veneer on a social cake but informs every aspect of what the church does and what this appeal seeks to achieve.

So as we reflected on this experience this is why my wife and I are happy to give and we believe the vast majority of others feel the same. I don’t know what the results are as yet but even in challenging financial times we expect them to be good. We also expect to be asked on future occasions and we are totally fine with that.

For more on raising money for ministry, see my book Giving Generously : Resourcing Local Church Ministry. Buy The Book

Surprised by Joy: Some years ago I read C.S. Lewis’s autobiographical work Surprised by Joy, detailing his journey from atheism to Christian faith. I discovered the title was inspired by a poem by that name written by William Wordsworth, the master of Romanticism, lamenting the fact that he experienced a moment of joy but had lost in death his daughter, so the added joy of sharing the experience could not occur.

The phrase stood out to me recently with two events that captured the attention of the nation. The first was the Melbourne Cup, the race that stops the nation. I must confess that despite coming from a family where my maternal grandfather and grandmother were avid race horse owners and racing fans and punters, any gene for being addicted to the Sport of Kings lies completely dormant in my genome. Yet I am not insensitive to the excitement and joie de vivre that the race engenders in many in our community. The newspapers always publish photographs showing the sheer joy on the faces of the owners and jockey of the successful steed.

Yet somehow all of this was transcended, and even made to seem hollow, by the sheer wave of joy that swept the entire continent of Australia when the news emerged that little four year old Cleo Smith had been found alive and well. It was the culmination of a massive search by police and volunteers that stretched over eighteen days, where the authorities threw everything at it, including a one million dollar reward and simply did not give up. Everyone from seasoned policemen, politicians, news reporters and the average man and woman in the street seemed captivated by a feeling of joy that seemed somehow purer and deeper than even the most significant sporting achievement could ever engender. I am not a particularly emotional person but I was surprised by the overwhelming sensation that this rescue engendered, the sheer joy that this dear little girl whom most had feared lost and perhaps never to be recovered, was found apparently unharmed. 

It made me reflect and empathize more deeply than I ever had before on the parable of the lost sheep. Jesus tells the short story of a man who has one hundred sheep but loses one. Rather than write this animal off as the cost of doing of doing business, the shepherd searches and searches till he triumphantly brings the stray home. Jesus concludes with the famous words,

‘I tell you that in the same way there will be more joy in heaven over one sinner who repents than over ninety-nine righteous persons who do not need to repent.’ Luke 15:7.

Jesus spells out very clearly his heart and his priorities. His followers over two millennia have adopted this mission and feel a real rejoicing when any person puts their faith in Christ. For me, it simply reinforced the thought that the real overwhelming joy that I felt when I heard about Cloe Smith is really just a pale reflection the emotion I surely feel about the saving ministry of rescuing lost people with the gospel.

I have written a book about raising resources for ministry in the local church. It is called Giving Generously. One of the points I stressed in the book is that when properly and appropriately done raising money for ministry produces great joy. The reason for this is obvious.  No one gets excited about giving to paint the parish hall or buy a better dishwasher for the church kitchen. But when the object of the ministry is real kingdom work that involves heaven rejoicing as lost sheep are found, then people will give freely and generously and will be surprised by the joy it gives them.

Buy the Book

Almost everything you want to know about tithing

Landsell was born in Kent in 1841, son of a school master. He was a student at the London College of Divinity and was ordained priest in the Church of England in 1868. A teetotaller, he gained a reputation as a dynamic preacher, which he combined with a passion for missions. Obviously he was bitten with the travel bug, and not having been tied down by the incumbency of a parish, began a roving existence visiting many countries and distributing bibles and Christian literature as he did so. Initially he visited France, Germany and other western European countries but soon embarked on multiple journeys. These included Northern and Eastern Europe, and through Asia to Japan and across the Pacific to San Francisco.

Further travel followed. He reported on the conditions in Russian prisons, visited Mt Ararat in Turkey, the traditional resting place of Noah’s Ark, and attempted, with the blessing of the Archbishop of Canterbury, to meet the Dalai Lama. It was this latter trip that drew the attention of The Age newspaper.  Lansdell saw sights and places that were completely off the beaten track to westerners of his time. He blended in with the locals and photographs show him in highly unusual local costumes, hardly the image of a prim Anglican clergyman that gets aired on historical television shows. His energetic labours were recognised as he was elected a fellow of the Royal Geographic Society, a life member of the British Association for the Advancement of Science and was member of the Royal Asiatic Society. Lansdell died in London in 1921, survived by his wife Mary.

During his journeys he made an exhaustive study of the practice of tithing throughout the regions he travelled, delving  into local practices and history. His findings are recorded in his book The Sacred Tenth or Studies in Tithe Giving, Ancient and Modern. It is a monumental work with detailed discussion of tithing in the Old Testament, Apocrypha, New Testament, Jewish Rabbinical practice, Early Church Fathers, and subsequent church history. Equally interesting is his survey of the subject in non-Christian nations from the Middle East to China.

I will give two examples among so many that attracted my attention. First, I was surprised at how wide spread the practice of tithing was in the ancient world with almost every society paying tithes in some shape of form.  I had always been somewhat puzzled that some of the early biblical references,-Abraham paying a tithe to Melchizedek (Gen 14:18-20),-Jacob vowing to tithe (Gen 28:20-22) or the command in Leviticus 27:30-33- are discussed  out of the blue as it were, without any introduction. This becomes understandable when you consider that the scripture is probably referencing a practice that was widespread common knowledge.

Second, I had not realized that when Henry  8^th dissolved the monasteries,  around 1540 in England and parcelled out their lands to his aristocratic supporters, in many cases he also parcelled out the tithes to the new secular masters. I rather shared Lansdell’s indignation when I found that even at the end of the 19^th century, 350 years later, around one third of those tithes were still flowing into secular aristocratic pockets for their own personal use and not assisting Christian ministry.

Lansdell was a supporter of the practice of tithing. I recognize this is controversial but whether you believe that the tithe should be preached today or not, your knowledge and viewpoint will be greatly enhanced by reading this book which is still available online or in paperback. If you want to read more about raising money for ministry read my book Giving Generously: resourcing local church ministry. https://givinggenerously.com/

In my book Giving Generously, I have laid out what I believe is a clear, biblical, inspirational and ethical way to raise resources in a local church. This involves transparent communication of biblical principles, a compelling kingdom vison and a gracious direct request for support. In my former congregation I had many generous women who actively supported the ministry financially. So I read with some interest an article from the McKinsey Company written by four women and entitled: ‘Women as the new wave of wealth in US wealth management’. https://www.mckinsey.com/industries/financial-services/our-insights/women-as-the-next-wave-of-growth-in-us-wealth-management. In it they commented that up to very recently, most financial advisors were men and the industry operated under the assumption that men were the primary decision makers with the family finances. This, of course, is changing with women increasingly occupying prominent, well paid positions in the work force. Divorce is also a factor, generally making both parties poorer, but again meaning financial decision making is in the woman’s hands.

The particular issue addressed in the article is the massive transfer of wealth that is occurring within the baby boomer generation. Men are generally older than their wives by about four years and women outlive men by a further seven or so years. This means many women will have around a decade of widowhood where they will control the couple’s share of their often considerable baby boomer assets. This figure is in the realm of trillions of dollars over the next decade. The McKinsey article is written in the context of professional wealth management. It is advocating a client centred approach that not merely takes this shift into account, but is sensitive to the requirements and outlook of elderly female clients who may never have shown much interest in finances before.

In terms of giving, the professional literature also confirms that women differ from men in their motivations for giving. They score higher in measures of empathy, altruism, religious commitment and their self-perceived identity as kind, giving and caring.  The take away from this is that women have increasing control over considerable assets, and seem to respond differently to requests for financial support.

None of this should be interpreted as advocating a minister should target women in some exploitative, manipulative way. However, it is not inappropriate to consider women’s special perspectives when it comes to requesting support for kingdom work. Women have been supporting Christian ministry since before the term ‘Christian’ was in use. The gospel writer Luke, who seems to have a particular interest in the place of women, is the evangelist who tells us of the women who supported Jesus in his ministry. He writes:

‘the twelve were with him and also some women who had been cured of evil spirits and diseases: Mary (called Magdalene) from whom seven demons had come out: Joanna the wife of Chuza, the manager of Herod’s household: Susanna; and many others. These women were helping to support them out of their own means’. Luke 8: 1c-3

Naturally it would be wonderful to know more than this. How did these women come to give this support? Were they asked directly or did they volunteer? Were men also generous financial supporters? It is not difficult to imagine that they found the person and message of Jesus compelling and personally transforming, and were moved to assist the Master and his disciples. In other words, they saw a kingdom cause embodied in one who was eminently worth supporting.

So how might today’s preachers incorporate an appeal that includes women? Here are some strategies to consider.

1. Rejoice in and affirm women’s long history of gospel generosity.
2. Acknowledge that women are increasingly in control of their own financial destiny.
3. Recognize that there is a growing cohort of women in the senior age groups who have financial control for the first time in their lives. Many will give generously from accumulated assets to a large exciting gospel project.
4. Consult a group of generous female supporters about what would be an appropriate way to ask for financial support from the women in your congregation.
5. In sermons on money and generosity, address specifically the women in the congregation who can be moved by altruistic and compassionate goals more than men.
6. Interview women in the service or during a sermon on the particular issues that concern them when giving.
7. Remember that while confidence in the benefit of the project and the authenticity of the leader is important to both sexes, it is especially important to women who particularly value personal connection.

Finally and above all, never resort to manipulation or anything remotely dubious, but present a clear vision of how this request will glorify God and advance Christ’s kingdom.

Buy the Book