We have been growing a deep conviction that the more willing we are to find ways to collaborate, the more effective we’ll be in reaching our city for Jesus. The more generous we are toward one another, the more God will bear fruit through us. Together for the City is our attempt to put into words what we have been discovering in practice.
In this fourth of a five part series on living with the financial pressures church-planting brings we move from considering the impact of financial stress on the planter and his family to its impact on the plant. How do you lead a church through the challenges of seemingly always needing more money to fund the ministries of a small but growing congregation? Essential to getting this right is seeing financial need as gospel opportunity. We grow up the church as we put the gospel to work in this area of church life.
It’s important to recognise that being in a church family with significant financial needs might be a whole new experience for members of a core-group or young plant. In fact some may never have had to live with financial uncertainty in church-life at all. Leading the church well involves recognising that some will be excited by the challenges ahead whilst others remain apprehensive. Over time if a plant remains in financial need, perhaps because growth means continually needing new resources, it could be that without good leadership some will grow weary of always needing to make up the money and others may even begin to resent it breeding disunity in the church.
Here are six principles to guide you in this area of leadership;
1. When will the plant be financially sustainable?
From the beginning be realistic and clear with the church as to when (if ever) financial sustainability is expected from the giving of the church alone. Some church plants get there in 1-2 years, most within 5, but others in more challenging circumstances or reaching more needy communities may always be reliant on outside support. Have a sense of how this might work out for your own plant.
2. Talk to the church about giving and do it regularly
Speaking as a British planter our culture makes us nervous, even apologetic, about talking money. But it is a big mistake to start a church where we do not regularly discuss giving.
It’s also a mistake to think we shouldn’t be talking about money in our public meetings simply because we expect and desire non-Christians to be present. It is not just believers who need to hear from the Scriptures how God, through the gospel, transforms his people into generous, joyful, sacrificial givers. What does need to be clear in our gatherings is that the plant does not ask or expect visitors to give financially to fund ministry.
3. Make vision the focus of giving
Vision is the place to keep your focus when it comes to financial planning. Don’t reduce any appeals to budgets and a list of what it might cost to meet your needs – rather envision people by painting a picture of what you hope to achieve through generous giving.
As a church this year we decided to highlight 12 things we wanted to do that would be possible through our Mission and Ministry Gift Day and we gave people good reasons as to why we needed them to give again on top of their regular giving. Some of the 12 things were new such as starting a youth program but other things were continuing ministries that God has chosen to bless that we wanted to continue. Asking for money for continuing ministries can be an important way of celebrating all that has been achieved through giving of previous years.
4. Turn giving into a sustainable financial plan
Whilst vision is crucial to raising funds it is also vital that you can demonstrate, if called upon, how you have arrived at your figures.
Know where you stand as a church and what your financial needs are… Budget well. What helps us in the task of budgeting for the future is that we ask every member as part of our annual Mission and Ministry Gift Day to indicate their level of giving for the year ahead. This is not a request that every member increase their giving in absolute terms, year on year, because we recognise every person’s circumstance will vary (eg some step out of paid employment to start families) but it is a request that we all prayerfully indicate what we expect to be able to give.
5. Use giving as a barometer that tests hearts.
It is a much bigger conversation than this blog post permits to answer the question should church leaders know what members of the congregation give? Our practise over the 15 years we have existed as a church is that only one individual, our church treasurer, knows the giving of each member. The advantage of this for me as pastor has been to help me avoid comparing members and preferring members simply on the basis of finances. It also ensures that I don’t avoid hard but necessary conversations with members simply because of its impact on their giving!
Having said that, how do I pastor a church member as to how Jesus is working in their hearts in their use of money and resources if I have no idea whether or what they give? Isn’t their giving a key aspect of their godliness? Should we not know who gives in our congregation? We would see it as our place to speak to a church member who stopped attending, or told us they never read their people or that they had started dating a non-Christian. Why not counsel them over their giving?
There is no easy way to resolve this tension. For now, my approach has been to ask our church treasurer to inform me if a member is not giving at all but otherwise to make my appeal for generous giving through preaching and vision-casting. God has honoured this approach and he has ensured we’ve always had just what we’ve needed.
6. Celebrate generous giving
When God has moved the hearts of your members to give generously, joyfully and sacrificially that is the gospel at work. Make time and take time to celebrate what God has done and use his provision as further ground for teaching and training the church.
This is the third post on how to understand and respond to the financial pressures church-planting brings. In this post I want to briefly consider how planting impacts the home.
What is the impact of living in this way for you as a church-planting family?
Financial stress and your relationship with your wife
Don’t expect your wife to naturally share, to the same degree, your passion for the sacrificial commitment planting a church will make. Particularly if you have a family, her focus and drive will be with providing for the needs of a family.
Don’t expect your wife to enjoy the same attitude to risk that you might be willing to bear. In my experience of working alongside planters their wives tend to me more risk-averse. It is certainly not sinful of them to struggle to adopt the same attitude.
Don’t plan to plant a church on the basis of your wife’s income. Don’t presume that your wife wants to go on working to bank-roll the plant and don’t plan presuming that she will, especially beyond the first 12-18 months.
Financial stress and your relationship (& witness) to your children
Do see planting as a family endeavour (on mission together!) and look for gospel-learning opportunities as you pray for God to provide and as you give thanks for meeting your needs. In planting you have an opportunity to experience in a more obvious and direct way how God graciously provides for his children –make good use of it.
Mothers are inclined to feel guilty that their husband’s calling is damaging to their children. But don’t overestimate that damage. It can be good to have less stuff. Their lives will be enriched in other ways. And God is good. Many pastors’ wives testify to God’s provision through surprising and delightful means. Julia Jones
Don’t ask your wife (and kids) to bear the sacrifice of living on less without seeking to compensate for it in other ways.
What might it mean for you to compensate for these financial pressures ?
There is probably not much you can do to change your circumstances. Money pressures are likely to be tight and not just for the short-term (see below). But as we have already noted that brings gospel opportunities to grow in gospel confidence as the Lord provides.
The one thing that must be avoided at all costs is asking wife and family to take the double-hit for a sustained period of time of being expected to sacrifice both time & money. That is something that breeds resentment. Dad not being around and then finances being tight is a danger to the spiritual well-being of our kids. So make time for family and make it a priority.
Financial stress and keeping going
Financial stress is not limited to the challenges of raising an initial income. In the medium to longer term some form of financial pressure will stay with you. For example, a planter’s income is not likely to increase significantly over time. Your family may grow in number as your salary does not. Moving to a larger house may not be an option even as family grows. Whilst others in your church family will move on up the career ladder and enjoy a greater disposable income you will not. All that means that a widening gap between a planter’s income and the income of church contemporaries is likely to become more apparent (not less) over time. The family holidays enjoyed by others may simply not be available to you etc.
How to be keep going
Learn to be content with what you have.
If you are an elder or core-group member with financial resources to spare look for ways to bless the planter & spouse (even small gifts like vouchers for a meal out) are really appreciated.
Teach your children what it means to rely on the Lord in all things as they see you relying on the Lord for finances.
In the busyness of planting don’t neglect the ministry of fund-raising and by doing so bring an unhealthy level of stress into your church and family life.
Don’t feel guilty in inviting people to partner with you. Remember, raising funds is ministry. The Lord is expanding your ministry to include people who will pray for and support your cause. Raising funds is ministry. William P. Dillon