Reaching people for Jesus costs money. Running a church with all its ministries costs money.
The truth is, your church needs money. Bills come in regularly for the electricity, gas, insurance, and on and on. Salaries must be paid. And vision needs to be funded.
Conversations about money make some people squirm. Especially if it is about their money.
As a pastor, you can talk about money in a number of different ways, some better than others. For example, you can hammer them with Old Testament scriptures and tell them they have to give, or you can tell them they need to pay for their ability to enjoy the services, like a user-fee.
MONEY AND DISCIPLESHIP
Or, instead, you can invite them to listen to God, and give as He directs. I like the idea of talking with the congregation about their discipleship and how being a follower of Jesus means allowing him access to all areas of my life, including my money. If we don’t give him control, money can become the root of all kinds of evil. Like anything else we don’t hand over to Jesus, it can become our god.
There are many great studies and programs that churches can use to help teach their congregation how to handle money as God would want them to, and help the congregation see how budgeting can help them handle their money with purpose. Tithing is an act of budgeting, even for those who do not have an actual budget. The effort of deliberately figuring out 10% is the beginning of budgeting.

You can teach them how even a little savings each month can add up over time for when they need to make a bigger purchase without borrowing. Borrowing money, using debt of any kind, always means the costs is actually higher. Saving ahead of time means you may not have to borrow, or not as much, when that big need comes along. My wife has been slowly putting money into a separate account over the last number of years. Her money, along with a tax refund I had, enabled us to recently have enough money for a down payment on a house. We can finally own a home again because of the savings she did!
MONEY AND VISION
I like tying any conversation about money, with vision. Clearly, to do this, you need to have a vision to point to. If you have a vision for your church that you and your leadership have prayerfully worked through, then you believe this is what God wants your church to pursue. Explain to your congregation how their funding of that vision will help make the vision a reality.
If your church’s vision includes winning youth to Christ, you might point to how their giving helps pay the Youth Pastor. If your church’s vision includes providing space for local 12-step programs, show how their giving helps provide a space for the community to meet. And just maybe, when those who attend the community programming are looking for a church, they will check out yours. You could even highlight a certain aspect of the church budget once a month and show how it enables your church’s vision to be accomplished.
And you could point to how sacrifice is an important part of the Christian life. Maybe your congregation needs a challenge, and maybe a bit of sacrifice, in order to accomplish great things for God in your community!
MONEY CONVERSATIONS
Be creative in how you talk to your congregation about money and their giving.
- I have used some video clips that were very well done and got the point across without me needing to say anything.
- Include a verse about money and giving with other onscreen announcements.
- Say a few pertinent words just before the offering is taken.
- Ask some people who are willing to share a short testimony about how God has guided them in their giving.
- And of course, don’t hesitate to preach a sermon, or even a series, on finances.
- And feel free to share about how you handle your own money.
It is important to highlight money and giving as part of discipling your congregation. You could schedule different creative methods to be used on a yearly calendar. Make talking about money a priority. Don’t be afraid to do it.
And keep looking up,
Andy
*If you are wondering how well your church is doing in light of its giving, and would like an outside voice, I can work through a Financial Audit with your church.