In this fourth of a five part series (part1, part 2, & part 3) 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.
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.
In the final post I want to consider how to grow a healthy church by deliberately staying in a place of financial need.
This is the third post on how to understand and respond to the financial pressures church-planting brings (part 1 & part 2 can be found here). 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?
- 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.
For a helpful introduction to the pressures of being a planter’s wife this interview with Christine Hoover is worth a look.
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
This piece in the Independent highlights both the extent of Christian persecution in the world today (did you know that 80 per cent of acts of religious discrimination occur against Christians and that 11 Christians die each hour for their faith) and addresses some of the reasons why the global persecution of Christians receives so little attention in our media and from our politicians.
(HT: Ted Turnau)
This is the second of a series for planters and gospel workers on keeping going through the financial stresses that often accompany ministry. If there is one mind-set change that I’m encouraging its this – support raising is not a precursor to gospel ministry but a necessary and valuable expression of gospel ministry. In other words financial stress is an opportunity to learn and live the gospel.
Few planters see support raising as gospel ministry (don’t we all just want to get on with preaching and evangelism?) and because we don’t see the opportunity for growth that comes to us through it we simply wish our financial pressures away. But what if God wants to keep us humbly dependent on him as individuals and churches? What if financial need is one of the ways God wants to grow us up in the gospel? That’s the shift in thinking I want to encourage.
One of the biggest challenges in embracing support-raising is a fear factor that comes from asking for money. Perhaps, like me, you have always found seeking support for ministry a little awkward, embarrassing or inappropriate. What would it take to persuade you that rather than an embarrassing request what you are offering is an open-door to gospel growth in the life of the person you are seeking support from?
Here is where we need to see what it means that the gospel transforms our understanding of what we are inviting people to do when asking them to partner with us financially. Through the lens of the gospel what we begin to see is that our attitude can and should be different because what we are inviting people to do is transformed by the gospel.
To help us understand how this works we will look at Philippians 4v15-20 and Paul’s words of thanks to the church in Philippi in light of the gifts that they have given to him. Here we will learn why we have unique gospel reasons in asking for support and in taking those reasons to heart enables us to ask boldly.
1. Support-raising is an invitation to share in giving and receiving
In v.15 (NIV) Paul writes that ‘not one church shared [ESV partnered] with me in the matter of giving and receiving, except you only.’ The key idea for us to grasp here is that support raising is an invitation to partner in ministry rather than simply give to ministry. We naturally think asking for money is one-way traffic. That we are asking for something at the expense of someone i.e. our gain is their loss but if they have enough Christian love they might just be prepared to sacrifice what they have for us. But Paul says it is not all one way traffic. The blessing flows both ways. It is a two-way street in which the giver actually receives and the receiver gives.
Now doesn’t that change the very nature of the request? No longer do we need to think that we are merely asking for something from a donor rather in our invitation we are asking for an opportunity to give something the person we are writing too. In essence Paul is saying that giving to gospel ministry is a way of receiving and receiving money for gospel ministry is a way of giving.
How does that work?
2. Support-raising is an invitation to receive eternal reward.
Only a Christian with an eternal perspective can say what Paul says in v.17. He desires not what might be credited to his account (the money he receives from them) but Paul can say to the Philippians ‘what I desire is that more be credited to your account.’In other words when the Philippians gave to him their own eternal bank-account was being credited. Fee writes ‘their gift to him has the effect of accumulating ‘interest’ toward their eschatological reward.’
Now it’s crucial that we grasp this because it means that Christian motives in fund-raising are altogether different from those used by the world. Only the Christian can appeal to eternity as a motive for generous giving. Only Christians can genuinely say that a decision to give is a two-way street because only the Christian can appeal to a motivation of reward in the light of the gospel for those who give generously of the resources God has given them now.
The result is that in support-raising we are offering people an investment opportunity rather than seeking to deprive them of their resourses. We are actually seeking to bless them! Many Christians have received a great deal from God and an invitation to support a gospel-work is an opportunity to put more of their money to eternal use.
Paul is affirming the words of Christ that ‘it is more blessed to give than to receive.’ Support raising is an opportunity, through pointing people to the gospel as their reason to give, to turn reluctant, occasional givers into joyful, generous, sacrificial givers who will share in a greater reward.
3. Support-raising is an invitation to experience God’s blessing now
Finally, Paul points out that those who give experience God’s blessing now as well as in the future. Paul writes in v.19-20 that ‘the gifts you sent. They are a fragrant offering, an acceptable sacrifice, pleasing to God. And my God will meet all your needs according to the riches of his glory in Christ Jesus.’ When we ask people to support our ministry we are giving people an opportunity to experience God’s blessing in his provision both now and in the future.
So don’t be embarrassed to use gospel-reasons to promote gospel-giving. You wouldn’t be embarrassed to bless people through prayer so why be embarrassed to bless people through an opportunity to give. Givers who give because of the gospel grow through the gospel – let’s make our motives and our method an opportunity for them to do just that.
At the Planting for Christ Conference held in May I lead a workshop entitled ‘Keep going…through the financial stress’.
Over the past 20 years of ministry I’ve gone through different phases of support and fund-raising from raising an entire salary through support for 3 years, to supplementing a church income and then seeking to lead a church for the past 15 years in which we are constantly seeking to raise new funds through the generous giving of members of the congregation.
Starting and growing a church plant without the necessary financial resources is one of the most significant challenges planters face. From the pressure of raising a family to the realities of an under-resourced plant, from feelings of inadequacy in fund-raising to a general uneasiness in asking others for money, the planter faces the daily challenge of leading a church by inviting people to embrace financial uncertainty. As plants become growing churches, or churches seeking to plant again so the need to keep raising funds over many years brings a different set of challenges and opportunities.
If you want to know the secret of keeping going through the financial stress then here it is:
Only a gospel mind-set that embraces financial pressures as a gospel opportunity for spiritual growth will get us going and keep us going.
How can we learn to rejoice rather than resent ministering in a context that requires us to give a disproportionate amount of time and energy to finances? As planters, with so many pressures on our time, we need to recognise the gospel opportunities inherent in leading a church through periods of financial stress.
In future posts I will be addressing issues such as ‘what is the impact of living in this way for you as a church-planting family?’, ‘how do you keep going as a family’, ‘what are the challenges and opportunities for the church plant when it comes to financial stress?’ and ‘how do we keep a church going and growing when we are constantly asking members for money?’
In this post I want to simply ask ourselves as church planters
Is depending on others for an uncertain income a good thing or bad thing?
Which church-planter doesn’t simply want someone to write a big cheque to bank-role the plant? But not only is that unlikely to happen but it might just be not very good for us. Perhaps a new mind-set shaped much more by the gospel than expediency or convenience can not only get us through the challenges but produce in us a much healthlier gospel-driven attitude to financing the church not just in a start up phase but for the long ter,
See support-raising as a ministry. It is often the last thing a planter wants to think about but as William Dillon suggests ‘support raising is a ministry. It is not begging people for money. Rather, it is an opportunity for you to share your vision. Support-raising provides opportunity for blessing to those who give to you. And God gives them credit for your fruit.’
Here are a couple of gospel reasons as to why we shouldn’t resent the pressure of living financially dependent on the Lord
1. It is biblical
- The Lord Jesus chose to depend on the generosity of others for his ministry on earth – Luke 8:1-3. It is truly remarkable that the same man who turned water into wine and multiplied the loaves and fishes deliberately decided to live in dependence not just on his father in heaven but on his father’s provision through the support of others.
- The Lord Jesus sent his disciples out depending on God to provide through others – Luke 9:3-4.
- The apostle Paul urged Christians to demonstrate the reality of their faith through partnership in mission – 2 Corinthians 8-9
- The apostle Paul highlighted the spiritual blessings that flowed to those who give generously to gospel work – Philippians 4:17-19
2. It is spiritually health-giving
DL Moody said ‘I show my faith when I go to men and state to them the needs of the Lord’s work and ask them to give it.’
- Raising financial support stretches your faith as you rely on God
- Raising financial support sharpens your vision for the plant as you set it forth to others
- Raising financial support trains and equips you to go on raising support for the plant
In the next post we will consider how the gospel enables us to ask boldly those we would like to partner with us in gospel ministry through financial support.
At our 2020birmingham conference last week I outlined 14 different reasons why UK cities would benefit from city-wide church planting movements and in an earlier post I outlined the first 7 reasons. Here we look at reasons 8-14.
8. The quickest way to reach a city is through a church planting movement of self-reproducing churches.
Churches typically plant churches in isolation, although some churches or networks may be able to plant small organic networks within a city. To reach a city requires a church-planting movement that can only be created by concerted collaboration between churches and networks over a period of time.
Reaching a city requires a self-sustaining movement of church-planting churches, something that has a life of its own. Movement dynamics are only generated and sustained when plants are happening in sufficient number which generates a tipping-point for planting. To change the metaphor what is needed is a concerted effort to generate enough ‘heat’ to sustain a movement. In most UK cities that won’t happen unless we reach outside of existing partnerships to work together. Momentum develops as a city network accelerates church-planting and creates a culture of planting across the churches that becomes infectious and as churches plant, share resources, ideas, recruit planters, train interns most quickly through a vibrant city-network.
Reaching new communities and thinking how to reach more challenging communities can best be done together. In Birmingham the challenge of establishing gospel-communities for every section of society and every people-group seems too big for us as busy churches and pastors – creative collaboration helps overcome inertia when it comes to the bigger challenges.
10. City networks invite and promote partnership with non-Church planting churches
Churches that would not identify themselves as church-planting churches have a role to play in a city network.
- Adopting a church-plant: prayer, giving, sending, training leaders
It also helps partner churches consider whether they might be able to church plant themselves.
11. Working together in cities is a powerful witness to the gospel
Jesus prayed in John 17:20 ‘My prayer is not for them alone. I pray also for those who will believe in me through their message, that all of them may be one, Father, just as you are in me and I am in you. May they also be in us so that the world may believe that you have sent me.’
Working with churches that differ from you on secondary issues requires three gospel qualities.
A generosity of spirit – working wherever we can with gospel churches
‘Invisibility’ – City movements do not ‘own’ the church-plants but instead bless and work alongside planters and their plants. That is something that happens quietly and behind the scenes. Members of the plant may not even be very aware of the support and help the planter is receiving. In Birmingham the ‘2020’ label does not appear
Kingdom mind-set – We must get the gospel out and rather than seeing other churches as unwelcome rivals we rejoice in the work the Lord is doing through planting across a city.
13. Working together is a massive encouragement to our congregations
Our experience in Birmingham has been that congregations thrive when churches work together. Many Christians long for greater unity across the churches and
14. Working at a city level allows for local, flexible expressions of partnership
City movement will need to look different from one city to the next. The model for such movements allow for a high degree of flexibility.
On Tuesday 2020birmingham held its annual conference with over 100 people representing 40 different churches and organisations – thinking, praying and planning to reach our cities for Christ. As part of a workshop for city leaders and catalysts I gave the following introduction to what we had discovered over the past 5 years.
Three gospel principles that compel us to partnership
Gospel partnership is borne out of gospel need – the size and scale of the task in reaching a city for Christ compels gospel churches to work together in planting. c.f. Romans 15:23-33
Gospel partnership builds healthier churches – working across denominations, being generous in giving-away resources (finances,people, training-time) to churches that don’t belong to our own organic networks, all demonstrate a kingdom-mindedness that honours Christ. Such sacrificial service of other individuals, plants and churches creates a culture that in turn builds a healthy local church. c.f. 2 Corinthians 8-9.
Gospel partnership blesses gospel churches – Christ honours those who display the unity for which he too prays and each church is encouraged and blessed by the fruit of working together. c.f. Philippians 4:14-19
So here, in bullet-form, are the first seven of at least 14 reasons why city movements are the best way to reach our cities for Christ.
1. Churches planted with local support have a better chance of succeeding
Better ‘real-time’ support, coaching and mentoring through regular meeting, prayer, etc. with fellow planters working alongside. In 2020 a new planter meets every 2 weeks with fellow planters in the city for the first 2 years.
The likelihood of a church survivability increases by 135 percent when the church planter meets at least monthly with a group of church planting peers. Ed Stetzer.
2. Working alongside other planters in a city gives you a real head-start in contextualisation
The challenges and needs of a particular city/community can be discussed, understood and worked through more closely and with greater understanding with the local knowledge that is available in a city network than that offered by national church-planting movements.
3. A church-planting movement in a city is best equipped to reach out into the neighbouring satellite communities.
A village or town of say 10,000-20,000 is unlikely to be the focus of a national network but often that town is relationally networked to a larger city and can be best reached as an extension of that network. It is an easier ask to persuade a planter and team to go into these communities that border a city than for someone to come from outside the area.
4. Working together enables speedy learning and quick responses
Along with meeting regularly with other planters, seeing what they are doing by visiting enables speedy learning.
5. It complements rather than competes with national denominates or networks
A city movement is not an alternative to being part of a national initiative but a natural complement. National initiatives will be best equipped to provide assessment, theological training, financial support, resources and people from outside of the city.
6. A city network facilitates fund-raising especially for plants that would otherwise go overlooked
- Being part of a local network can open up new contacts. One particular trust fund has now given to 4 of the 2020 plants who would never have known it existed. The trust fund, familiar with the aims and objectives of 2020 is keen to receive further applications and there is a mutual understanding that exists because of the previous applications.
- City patrons. Working together we can encourage greater generosity from those who are committed to the city of Birmingham as a whole rather than an individual community or national network/denomination
- Fund-raising together – 2020 Church Planters Fund is a pot of money available to planters from within the city movement itself. Churches in the city have given generously along with donors and we are in the process of fund-raising from other parts of the UK and wider afield.
7. It facilitates further expressions of gospel partnership as it builds relationships of trust between churches in a city
Working together in one area (church-planting) facilitates the relationships that encourage partnership elsewhere. For us that has included a number of plants working to establish a Christians Against Poverty Centre.
US Analyst puts Birmingham only behind Barcelona when it comes to cities to invest in across Western Europe.
A very helpful article on life in your 20′s.
(HT: Ash Cunningham)
Want to know what to do with your money? Randy Alcorn in his book The Treasure Principle highlights 6 keys to shape our attitude to wealth and giving.
Key 2: My heart always goes where I put God’s money. (Watch what happens when you reallocate your money from temporal things to eternal things.)
Key 3: Heaven, not earth, is my home. (We are citizens of ‘a better country – a heavenly one.” Hebrews 11:16)
Key 4: I should live not for the dot but for the line. (From the dot – our present life on earth – extends a line that goes on forever, which is eternity in heaven.)
Key 5: Giving is the only antidote to materialism. (Giving is the joyful surrender to a greater Person and a greater agenda. It dethrones me and exalts Him.)
Key 6: God prospers me not to raise my standard of living but to raise my standard of giving. (God gives us more money than we need so we can give – generously.)
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