Principles of Financial Stewardship
Commended by Christ Church PCC, September 2003

Contents:
Introduction
Biblical principles for giving
Common questions and answers
Personal and K-group study
    1) Money: Your Attitude is Still Everything
    2) Money Matters
    3) A Foundation for Giving
    4) Guidelines for Giving
Why do people give? K-group exercise
Self evaluation
    Your church - What does it cost?
    How do I give?
    For your eyes only
Methods of giving to Christ Church
Appendix A - Why do people give?


Introduction

The purpose of this document is twofold; to challenge us to consider our response to Scripture on 'Giving'; and to allow freedom of response as the Holy Spirit leads. The document contains guidelines and suggestions rather than a list of do's and don'ts. It seeks to provide each of us with the tools we require to make an appropriate response to the needs of the church, and world. It is a working document to be pondered on, discussed and prayed over rather than a series of rules to be obeyed without thought or discussion.

Several key themes can be extracted from the information presented in the following "Biblical Principles of Giving" and "Common Questions and Answers":

Faith - A constant cry from God in Scripture is that we are to trust Him to take care of us. The story of God's people in the Bible is largely their failure to do so. One of the ways of building our faith is to trust God to use the resources he has given us. Only then are we fully relying on Him and not putting our trust in our possessions.

Stewardship - All of creation belongs to God and we are given the task of being stewards, charged with taking care of what is God's. All we have is from God and when we give, we give a proportion back to God of what belongs to him. We must make the best use of God's resources until Christ returns.

Sacrifice - The concept of personal sacrifice stems from the example of Jesus who gave up everything for the sake of the world. Throughout Scripture God's people are called to be willing to sacrifice what the world considers important in order to win something much more precious, eternal life. We should not cling to the world's view of treasure.

Generosity - Heaven is pictured as a place of banquets and treasure where God's generosity knows no limits. We experience that generosity not only in the giving of his Son Jesus, but also in the provision of the worlds resources. Generosity breeds generosity and so as followers of Jesus we are to display generosity in our dealings with one another. This especially applies to those who are poor or disadvantaged.

Radical Living - God's people are called to a radical lifestyle which does not mirror the way of the world. Our outward response demonstrated in our giving is evidence of hearts changed by our drawing closer to our Father God. Only then can we be 'salt and light' to the world

The PCC commends these themes and principles to the congregation as the basis of good corporate and individual financial stewardship.

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Biblical principles for giving

Giving is worship - how we express what God means to us (2 Samuel 24:24) ‘I will not sacrifice to the Lord burnt offerings that cost me nothing’

Giving is an expression of our worship. During services when the collection is prayed over, use the moment to remember what proportion of your time, talents and resources you are contributing to God's work that week

Giving is a response to the generosity of God - for all he has given us in Jesus Christ (2 Cor 9:10-11) ‘Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. You will be made rich in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God’

We give and work for God not because we expect more in return (thus avoiding false prosperity gospel teaching), but because we know and trust our Father and are thankful for that which he has given us.(Luke 19:11-27)

Giving back to God - all we have is his (1 Chron 29:11,14b) ‘Yours, O Lord, is the greatness and the power and the glory and the majesty and the splendour, for everything in heaven and earth is yours. Yours, O Lord, is the kingdom, you are exalted as head over all. Everything comes from you, and we have given you only what comes from your hand’

Called to 'radical living', we need to assess our whole lifestyle, not just the portion of money that we give to God. We are responsible for the way we live as well as what we give. What “story” does our personal or family income and outlay statement tell about our life and our worship? How does it show we value God's worth? The section ‘For Your Eyes Only’ is a self evaluation exercise and is included to help analyse and plan personal and family budgets.

Giving is an act of faith - trusting that God will provide for us (Gen 22:12) ‘Now I know that you fear God, because you have not withheld from me your son, your only son’

(Matt 6:33-34) ‘But seek first his kingdom and his righteousness, and all these things will be given to you as well. Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own’

Instead of relying on our own ability to provide for ourselves, when we give away our resources, we acknowledge and trust in God's promise to supply all our needs.

Giving is part of discipleship - facing the challenge and growing in trust (2 Cor 8:7) ‘But just as you excel in everything, - in faith, in speech, in knowledge, in complete earnestness and in your love for us, see that you also excel in this grace of giving’

Having the grace to give is both a gift from God and a learning process for the disciple of Jesus. It involves both our prayer and our practice. It is an aspect of our discipleship which we are all called to follow.

Giving is a joy - we find freedom in the act (2 Cor 9:7) ‘Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver’

We need to learn how to give graciously, enjoying the act rather than doing it from motives of guilt or legalism. We should find ways to celebrate the act if giving.

Giving is a sacrifice - a cost worth paying (Luke 21:4) ‘All these people gave their gifts out of their wealth; but she out of her poverty put in all she had to live on.’

This encourages us to give the 'first fruits' of all we have rather than from what is left after having paid for everything else. We are to offer sacrificially, the best we have to give.

Giving is a privilege - an opportunity to share in God's compassion for the world's poor (2 Cor 8:2-5) ‘Out of the most severe trial, their overflowing joy and their extreme poverty welled up in rich generosity. For I testify that they gave as much as they were able, and even beyond their ability. Entirely on their own, they urgently pleaded with us for the privilege of sharing in this service to the saints. And they did not do as we expected, but they gave themselves first to the Lord and then to us in keeping God's will.’

We are to take seriously the biblical commands to care for those who are at a disadvantage in society. We are to use the material resources God has provided to counter injustice, and the deprivation of men and women's spiritual, emotional and physical needs.

Giving is good for us - it frees us from materialism. ‘Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also’ (Matt 6:19-21). ‘For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs’ (1 Tim 6:10). ‘Whoever loves money never has money enough; whoever loves wealth is never satisfied with his income’ (Ecc 5:10)

By the simple act of giving away, we begin to free ourselves from a total dependence on material resources. Money and possessions no longer determine or dominate the way we live our lives.

Giving is proportionate - to income and personal needs (1 Cor 16:2) ‘… a sum of money in keeping with his income.’

We should be sensible about what proportion of our income is given to God's work, remembering we also have a God given responsibility to care properly for any who are dependent on us. We should regularly consider our giving in the light of rising or falling income and as family circumstances change over the years.

Giving should be regular and planned - (1 Cor 16:2) ‘On the first day of every week, each one of you should set aside a sum of money…’

Planned and regular giving is a good discipline for us to practice for it reminds us of our dependence on God. It also helps the church to budget well when the amount and timing of giving is generally known in advance.

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Common questions and answers

Should we see tithing (giving of a tenth) as the norm for Christians?
We find the first reference to tithing in Genesis 14:20 where Abram, after victory over an enemy force, thanked God by giving a tenth of the booty to God's priest. In Genesis 28:22, Jacob promises to give a tenth back to God of all that he receives as a thanksgiving for God's presence with him and provision for him. Later under the Mosaic law, the same provision of a tenth was made as a thanksgiving for God's continued blessing of his people, as a sacrificial offering to God and a way of meeting the physical needs of those who were unable to provide for themselves. This included the priests and Levites as well as widows and those who had fallen on hard times. Some of the tithe was also used by the community in celebration and feasting.

The New Testament is quiet about tithing but Jesus and the disciples would have practised it as Jews. More significantly, Jesus commends the widow's giving which is sacrificial in Luke 21.1-4 but condemns the Pharisees for sticking 'religiously' to tithing yet neglecting justice, mercy and faithfulness. Matthew 23:23-24.

Many Christians today use 10% as a basis for their giving and testify to the blessings which may flow from such giving. The tithing of our resources should not be seen as legalistic but as an outward expression of our thankfulness to God for his blessings and providing for the work of Christ's church to continue.

Tithing is one expression of the radical Christian living which Jesus calls all of us to.

How much then should we give?
The New Testament gives no percentage. However note - 'Do not muzzle an ox while it is treading out the grain' 1 Cor 9:9. We have a duty to ensure that those who labour amongst us are provided for as matter of basic justice. As a guide, we could apply 10% of gross income; or net income; or of legacies or inheritance. Exactly what constitutes net income will differ for people according to their stage of life and their current financial predicament. Those labouring under debt must be freed from that before they can give joyfully. Those in the early stages of paying a mortgage may need to exclude these payments from their netted income. Others will only exclude tax in net income.

Ultimately it is for you to decide before God what is appropriate for you but you might take 10% as something to aim for as the starting point of radical Christian living.

The remaining material in this booklet can be used to help you decide for yourself. Confidential help for those labouring under debt is also available.

How do we decide what to give to the local church and what to give to the wider church?
We need to ensure our local ministry needs are provided for. In modern ministry this includes operational costs (electricity, paper, building) as well as staff. This obligation is to be met regularly and faithfully, but also not forgetting the need to give to the wider church.

It might help to begin with 50% of our total giving for the local congregation and then the rest given to both local community needs and for the support of the world church.

The aim of giving to other than the local church should be to help relieve poverty and further God's Kingdom.

How do I control how the money is spent?
On one level, when you give to the work of the church you give up 'control' of the money to those who are to be good stewards of it..

Remember it is God's money and not ours.

Individuals exert power over their giving by deciding the split between local church and other needs. Individuals in a church must have a voice, but they must also accept the guidance and stewardship of the PCC. The PCC will make clear the options available for supporting specific ministries within the local church, including those that are “tax-effective” and those that are not.

Should 10% of Church Income from giving be released for mission i.e. 'given away'?
As a principle it avoids the danger of being too inward looking. It expresses our thankfulness as a community for all God's blessings to us. It is sacrificial. It encourages each church member to develop good stewardship habits. It facilitates equality amongst those who are being supported by the “non-local” giving of the church (2 Cor 8:13-15).

The churches mission giving should also model care for the poor as well as local and overseas mission.

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Personal and K-group study

These four studies can either be used consecutively as part of a sustained study of biblical teaching or can be used separately depending on your available time. It is important for there to be a practical outcome from what you are learning.


1) Money: Your Attitude is Still Everything

Luke 12:13-34 - The Rich Fool

What circumstances led Jesus to tell the parable about the rich man? (13-15)

What is the main point of the parable? (16-21)

How are we challenged to reorder our priorities towards possessions? (22-34)

Luke 16:1-13 - The Shrewd Manager

What can you learn about faithfulness with finances from Luke 16.10?

Why would handling money be a test for handling true riches? (11)

Why is it important to be a good steward if you only have a small amount of money? (12)

Why is personal financial management a true indicator of where your heart is toward God ? (13)

What one step could you take this week to put some of this teaching into practice?


2) Money Matters

1 Timothy 6:3-19

How would you characterize the 'great gain' Paul describes? (6)

How does Paul's advice to be content with food and clothing contrast to what society tells us we should have? (8)

How do you distinguish between your needs and wants?

Why is pursing riches a trap? (9)

Why is it dangerous to love money? (10)

How could you overcome a tendency to love money too dearly?

What advice does Paul give to those who have wealth? (17-18)

What are some ways we can share our material blessings with others?

What can you do this week to bring your finances under the lordship of Christ?


3) A Foundation for Giving

What enabled Paul to count everything loss compared to the greatness of knowing Christ? (Philippians 3:8-9)

How does James 2:14-16 speak to your present attitude of sharing with others?

In what practical ways can we help those with genuine needs?

Why should we link true contentment with avoiding love of money? (Hebrews 13:5)

What important principles of giving can be found from the meeting of Abram and Melchizedek? (Gen 14:14-20)

What similar principles about giving do we find in the Mosaic law? (Lev 27:30,32)

What can we learn about the importance of the tithe from Malachi 3:8-10?

What did Jesus find lacking in the Pharisees attitude toward tithing? (Matt 23:23)

What principle about giving can we draw from Jesus' warning to the Pharisees? (Matt 23:23)

How would you summarize the Bible's perspective on stewardship?

What can you do this week to begin to make a change to how you practice your stewardship?


4) Guidelines for Giving

2 Corinthians 8:1-15

What do we know about the Macedonian churches that might encourage Christians who are reluctant to give because they have few resources?

What had apparently happened to the original commitment made by the Corinthians? (6-15)

What important principles of giving does Paul teach here? (6-15)

2 Corinthians 8:16-9:5

What did Paul do to spur the Corinthians to action? (8.16-9.5)

Why is how much we give related to how much we will receive in return? (9.6)

Why is it important that we give "not reluctantly or under compulsion"? (9.7)

What is a "cheerful" (literally 'hilarious') giver? (9.7)

How does God reward faithful giving? (9.8)

Why does Paul sum up his discussion on giving with an expression of thanks? (9.15)

All that I have belongs to the Lord.

Keep only what I need to meet my needs and give the remainder to God's work.

How should you decide how much to give to God's work?

To whom should you give your contribution?

What is the next step you should take to make this a reality for you?

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Why do people give? K-group exercise

There is a variety of reasons why people give, or do not regularly give, money towards the day-to-day running of their church.

The aim of this exercise is to think through the reasons and consider ways of encouraging greater giving.

  1. List individually all the reasons you can think of which cause people:
    1. to give money to their local church.
    2. not to give money to their local church.

  2. Compare your lists in small groups and together make two large lists.

  3. Discuss these lists as a group and mark on them the three reasons which are:
    1. most likely to motivate giving
    2. most likely to discourage giving

  4. Next, consider what might cause a person to review their reasons for giving and increase or decrease the amount. Can you show any examples from your own experience?

  5. Choose a spokesperson to report back your findings.

    After the meeting consider your own personal motives for giving. Are there any obstacles which stop you giving even more to your church? How can you overcome them?

    You may want to compare your answers with those compiled by the Diocese of St. Albans. See appendix A on page 21.

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Self evaluation


Your church - What does it cost?

IncomeExpenditure
Planned givingParish share
Other givingParish life & worship
Tax rebateBuilding upkeep
Other incomeGiving to missions & charities
Miscellaneous
TotalTotal

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How do I give?

  1. Where do your church collections go?
    1. to the vicar
    2. to the diocese
    3. to run the church
    4. don't know
  2. All parishes pay a “Share” - but what is it?
    1. money for diocesan running costs
    2. money for the Church Comissioners
    3. a fair share of the cost of clergy and the diocese
    4. don't know
  3. How do you decide what amount to put in the collection?
    1. loose change at the end of the week
    2. the smallest amount I can give without guilt
    3. a proportion of my income
    4. a haphazard amount
  4. Do you help the church in other ways?
    1. I've no time available
    2. a little if asked
    3. yes, I have a responsibility in the church
    4. I try to avoid being asked
  5. What is Gift Aid?
    1. a church plan to get me to give more
    2. a way for tax people to interfere
    3. a way of increasing my giving at no cost if I am a tax-payer
    4. don't know
  6. Why do you give to your church?
    1. don't know
    2. I give to help run the church
    3. I give a s a response to God's love
    4. I do not give to the church
  7. How much does it cost to train, house, pay and pension a vicar for your church?
    1. nothing
    2. his expenses - a couple of thousand a year
    3. about £31,000 a year
    4. I don't have a clue
  8. Has your giving to the church increased at least by inflation over the last few years?
    1. No, why should it?
    2. No, I can't afford it
    3. Yes
    4. I've never thought about it
Now check the answers
Score: A=2 B=3 C=5 D=1

30-40 You are a dedicated and clued-up member of your church!
20-30 A very encouraging result, but there are a few things that you still need to know!
10-20 You and your church need to act now before the situation gets worse!

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For your eyes only

Complete this for a typical week, month or year, if you can. If you do not manage the money of the household you may not be able to use this form. Please adapt it if you can to your own circumstances.

Income (net)
(i.e. after paying income tax, national insurance, pension contribution)
Salary
Pension
Benefits
Investments

Expenditure
How much of your money do you spend on:
Housing (rent or mortgage)
Gas/electricity/phone bills
Insurance
Food
Family responsibilities (children etc)
Clothes
Car (petrol, insurance, servicing, etc
Travel to work (bus fare, season ticket, etc)
Yourself/pleasure/holidays
Miscellaneous

How much do you give away?
To your local church
To Christian mission
To Chirstian charities
To other charities

What percentage of your income after tax do you give away?


How does this compare with other items of expenditure?

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Methods of giving to Christ Church

Collection Boxes at Services

We usually have a brown wooden box near where the service sheets are given out, and you are welcome to place cash and cheques (made out to 'Christ Church, Ware PCC') in this box. If the gift is for a particular cause, please put it in a sealed envelope stating what the gift is for.

There are usually some pre-printed envelopes alongside the boxes for use if you wish the money to be 'Gift Aided' and you have not signed an enduring Gift Aid Declaration.

We do not normally pass a plate round the congregation during our popular services.

Standing Orders for Regular Gifts from your Bank Account

It greatly assists our treasurer and helpers when regular gifts are made by Banker's Standing Order, preferably monthly. Forms are available in the leaflet holder to the left of the main entrance to the church for you to send to your bank, or you can set up a standing order directly with your bank either by telephone or internet banking using these account details:

Account Name:Christ Church, Ware PCC
Account Number:00007093
Sort Code:40-52-40
Bank NameCAF Bank

Please also use a Gift Aid Declaration form if you are a taxpayer, as that will authorise us to ask HMRC and the Government to add 25% to every gift you make to Christ Church under the Gift Aid scheme. You can read more about Gift Aid here on the HMRC website.

'Give As You Earn' via an Employer's Payroll

Larger employers support giving to charities by their employees by allowing employees to send sums deducted from their gross pay (before income tax is deducted) to registered charities. This has similar benefits to Gift Aid; it saves the charity having to claim the 25% from HMRC, but there is a handling charge deducted (though generous employers increase the gifts to cover this).

Contact your company payroll department to define what you want forwarded from your payslip; our charity name is Christ Church, Ware PCC. You can read more about payroll giving here on HMRC's website.

Numbered Envelopes

Contact the office if you would like a set of monthly gift envelopes for regular cash gifts, especially if such cash gifts are to be under Gift Aid. These envelope sets have a personal number printed on them, making the gifts anonymous to everyone except the Finance Team.

CAFs, Impact, Stewardship Services and other Charitable Trusts

Cheques, Vouchers and Standing Orders from such trusts already include reclaimed tax, and are welcomed. Please write Christ Church, Ware PCC for the payee to enable us to receive the sum from the Trust.

How to Contact the Treasurer

Either by email at treasurer@christchurchware.co.uk or via the church office. The name of the current treasurer is printed on the Sunday notice sheets.

There is also a pigeon-hole for letters to the Treasurer (in the middle of the bottom row) to the right of the main entrance of the church, as you enter.

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Appendix A - Why do people give?

Obstacles to giving and ways of overcoming them

The following is a possible list of obstacles:
Low commitment
Poor understanding of teaching
Unclear purpose of the church
Misunderstanding of responsibility
Misunderstanding of needs
Weak leadership
Leadership style
Unwillingness to delegate
Cultural background
Lack of confidence in the institution of the Church of England
The church in pastoral mode
Family commitments
Personal priorities
Clergy unwilling to let go
Commitment has a different meaning today
Lack of confidence in oneself
Prior community involvement (e.g. school governor)
Meaness
Having a "private" religion
Office-holders unwilling to give up

Possible ways of overcoming the obstacles:
Growing in faith
A church with life and purpose
A church with well prayed-through and thought-out plans
Understanding who we are
Understanding our responsibility
Understanding the needs
A thankful attitude
Teaching
Leadership style
A church which includes people
A church which owns its purpose
Unselfishness
Good communication

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