Money & Debt gathers Christian Standard articles that offer biblical wisdom for managing finances responsibly and navigating the challenges of borrowing and repayment. Here you’ll find guidance on budgeting, contentment, financial stress, wise use of credit, getting out of debt, and building healthy habits that reflect stewardship and trust in God. These articles aim to help believers handle money with integrity, avoid the snares of materialism, and pursue financial decisions that support generosity, stability, and faithful Christian living.
April 7, 2026
Outside scholarships can significantly reduce college costs—especially when students use scholarship databases, ask guidance counselors about local awards, and explore community, employer, and church-based opportunities that often have smaller applicant pools.
April 7, 2025
The Lord has given us far more blessings than we deserve. So let’s hold our possessions loosely and cheerfully hand over anything the Lord can use to expand his kingdom.
January 13, 2025
God’s new covenant includes this welcome promise: “I will forgive their wickedness and will remember their sins no more” (Hebrews 8:12).
September 1, 2022
By Renee Little with Marshall Mead and Daryl Reed I sit through long meetings to review and approve loans twice each month. We review financials, discuss property location and value, and debate ratios of risk in order to decide whether to approve funding. As a lending institution, due diligence is required, but as lovers of Jesus, we have an even larger responsibility to review and discuss doctrine, leadership, and church direction. We are more than a lender; we are, in fact, a ministry partner. Our mission is to honor God, and the best way to honor him is not just
July 20, 2021
From a financial standpoint, most churches performed amazingly well during the course of COVID-19. Now, with unprecedented levels of cash on hand, church leaders must strategize how best to steward these resources.
January 1, 2021
When we began planning this month’s issue about how the pandemic (and other 2020 perils) have impacted church and parachurch finances, I figured this would be our “bad news” issue. O me of little faith. When I asked leaders to write about this topic, several apologized for having little or no bad news to report. A recurring theme through these articles is how much God blessed their ministries, how he opened doors like never before during the pandemic, how giving actually increased (exponentially in some cases), how God worked for the good in all the struggles to do what only
January 1, 2021
Three Leaders of Church-Lending Organizations Discuss How They Are Building on a Strong Foundation in Uncertain Times Early in 2020, as the global pandemic unfolded, the uncertainty and economic losses seemed to spell disaster both for churches looking to build or expand their facilities and for the financial institutions that provide loans to these ministries. How can churches expect to build when they can’t even safely meet in person? How can giving and lending hold steady when the economy is flailing and so many people are out of work? Now, mere months later—albeit long months—the worst fears did not happen.
January 1, 2021
Money helps fuel ministry, so it’s critical for leaders to pause and understand the state of their church’s finances as they start a new year. I encourage leaders to consider short-term strategies to keep their congregation focused on the mission and a long-term approach to develop disciples who are generous. Here are four steps you can take to improve the short-term and long-term financial health of your church. Conduct a “Giving Audit” People’s giving habits can be indications of their spiritual journey; a church typically has givers at various points on that journey. PushPay identified the following eight categories of
January 1, 2021
How Our Church Prioritized Our Spending and Resources During the Pandemic News about the coronavirus in mid-March sent fearful shockwaves down my spine. I had no idea what it all meant for the nation, for Southeast Christian Church in Parker, Colorado—which I serve—or for the people who call Southeast home. I had received no instruction in how to lead a church through a global pandemic, nor did I have practical experience in doing so. Consequently, while considering next steps for the church, I immediately thought of the worst-case scenario of people at Southeast—and young people especially—dying of COVID-19. There
April 1, 2020
By Renee Little Churches are eligible for economic relief related to the coronavirus pandemic, and the time to apply is NOW! The Paycheck Protection Program was approved through Congress and signed by the president. Approximately $349 billion in forgivable loans will be given out to small businesses (under 500 employees). Nonprofits, including churches, are included. Now is the time for church leaders to strongly consider whether to seek relief through this program and to take action. Here are the next steps: 1. See this page on the Vanderbloemen website that includes videos and other information providing the most recent updates
January 2, 2020
How Churches Are Erasing Health Care Obligations for Thousands of Families in Need _ _ _ “I was sick and you looked after me.“ _ _ _ By Justin Horey Julie was a single mother of two when she was diagnosed with breast cancer. Her health insurance helped cover the cost of treatments that ultimately put the disease in remission, but she was still left with $18,000 in out-of-pocket medical expenses. Despite the generosity of family members and her own personal commitment to making installment payments on the various bills, Julie was unable to pay it all. Like the estimated
July 22, 2019
By Kent E. Fillinger September is a prime time for churches to start planning next year’s budget, as most use a calendar year (January to December) budget cycle. To assist in your church’s budget projections, I’ll share some statistics and summaries on giving and debt from our 2018 church survey. Among church leaders, there are two distinct schools of thought about debt. Some are anti-debt and make being debt-free a primary goal of their church, while others see debt as a strategic tool to help finance the church’s vision. Whatever your thoughts, my hope is this data will help guide
February 26, 2019
By Chris Philbeck I have been in ministry for 38 years, serving as senior pastor of three churches: a church plant, a turnaround church, and a megachurch. Over those years, my churches have borrowed money for ministry expansion. Raising money was not something I knew much about when I was young, but time and experience have helped me grow in this area of leadership. As the result, two of the three churches I have pastored became debt-free, including the church I serve today. When I look at the opportunity being debt-free has provided those two churches to make a greater
February 26, 2019
By Matt Merold There are benefits that come when a church uses debt. Rich and wise Solomon, who wrote some of the strongest warnings against debt, took out a 20-year loan of sorts to help build God’s temple (1 Kings 9:10, 11). Certainly the Bible cautions us about being in debt. Scripture describes what may happen if we borrow money and fail to pay it back. Most of the counsel about financial debt in Scripture paints a picture of the rich exploiting the poor. However, it doesn’t say much about those who calculate the cost, take out a loan, and
February 2, 2019
By Chris Brown I remember my 11th birthday like it was yesterday. I was sitting on the floor of an empty, roach-infested apartment. There was no food or furniture in No. 217 of the Ocean Breeze apartments at the corner of Edwards and Warner on the wrong side of Huntington Beach, California. I was sitting there scared and confused. I remember staring out the second-story balcony window wishing my birthday could be different. I was hoping for bounce houses, presents, and perhaps some ice-cream cake. But I couldn’t help replaying the last several years of my life. I knew that
February 2, 2019
By Michael C. Mack The statistic is alarming. According to a Christian university study reported by the Center for Church Leadership, over a 10-year period 70 percent of ministers drop out of ministry. And some of the biggest reasons for that high attrition rate are financial. CCL’s September 2016 State of the Ministry research study of Christian church/church of Christ ministers reveals that 74 percent of responders who serve in vocational ministry have debt. It also found that 54 percent of churches do not provide retirement benefits and 47 percent don’t offer health/medical insurance. No wonder the survey determined 85
February 11, 2018
By TR Robertson A lifetime of ministry together has given Dennis and Linda Messimer a rhythm of talking—they often finish each other’s sentences—and a rhythm of serving God together. “Dennis would teach Bible studies and I would teach the kids,” Linda says, describing the arrangement they’ve followed hundreds of times, on three continents. “. . . But once kids came along,” Dennis adds, “Linda wasn’t as involved in the ministry work as she had been earlier.” Since the kids have grown, Linda says, “I’ve done Bible studies with women and he did Bible studies with men. We support each other
February 10, 2018
By Wendie Gabbard “The blessing God gave to both of us was that we grew up country kids.” Those country kids, Greta from Pennsylvania and Wayne from Kentucky, met as sophomores in college. Rules prohibited them from dating without another couple or chaperone present and the understood boundary was “six inches apart.” Even so, they quickly fell in love and married in Greta’s hometown the summer before their junior year. Pennsylvania law allowed marriage at age 21. As both were 20, their parents had to sign for them. Wayne and Greta Meece then returned to Kentucky Christian College, where she
January 16, 2018
By Kent Fillinger In a typical workplace, and in churches, workers don’t publicly discuss salaries and certain benefits they receive. But this trend is changing among millennials. Benefits consultant Mary Ann Sardone recently told the Wall Street Journal, “Pay and promotions are not secretive topics anymore. Companies are spending more time ensuring their pay decisions are fair and highlighting career paths under the assumption that the information is going to be widely shared.” Recent research showed “roughly one-third of U.S. workers ages 18-36 say they feel comfortable discussing pay with their co-workers, more than any other age group and about
January 13, 2018
By Darren Key and Mike Kocolowski Managing church finances can be like preparing for a hurricane—it’s best to have a plan in place before the wind starts to spin. That way, if the worst-case scenario develops, you’ll be prepared to weather the storm. Faith and Finances We have consulted with hundreds of churches on financial issues over the last three decades, and we know that managing a church’s cash flow is tricky. Seasonal cycles, unexpected events, and the inherent irregularity of income and expenses add to the complexity. For these reasons, keeping ample reserve funds is critical to your
April 7, 2026
John B. Penrose Jr
April 7, 2026
David Faust
March 27, 2026
Rick Cherok