Money & Debt

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.

January 12, 2018

Christian Standard

Open Your Eyes to Manage the Finances of the Church

By Brad Dupray We lived in fear. It could happen at any time. We stood with our freshly shined shoes on the edge of the carpet scanning the mall. Waiting. Watching. Our shoe store’s district manager would show up only about once a month, but when he did, we knew we were in for it. He had a knack for finding those things we didn’t see. We were “store blind.” Store blindness happens when the proprietor or employees of a retail store walk into the environment so many times that they simply don’t perceive the little things—the crooked table, the

January 10, 2018

Christian Standard

When Personal Finances Strangle Ministry

By Tom Burbrink, Kim Robinette, and Karen Isaacs People of all stripes have difficulty with personal finances, but it can be even more challenging for ministers. A minister’s life is an open book; his salary might be public knowledge. When a minister struggles with personal finances, it impacts his effectiveness and can even cause him to leave the pulpit. Some of the best ministers are terrible at handling their personal finances. Contributing factors include: A lack of financial training in seminary Absence of teaching on how to keep simple records of ministry expenses An unavailability of people with whom to

January 9, 2018

Christian Standard

How Budget Trends Are Affecting Missions

By Emily Drayne Missionary support, as most of us know, can be subject to change without notice. Consider the missionary on the field who hears her financial support is being cut by her top supporting church or individual. Time and again, a financially assured ministry has been deflated, usually without notice, in a single conversation. What causes such changes and what impact does it have on the missionary? Is there anything a missionary can do?   Finding Balance A recent trend is for churches to refocus their mission efforts on local community development. This is a viable choice, there’s no

January 7, 2018

Gary L. Johnson

The Solution to Our Money Problem

By Gary L. Johnson With his transmission, “Houston, we’ve had a problem,” astronaut Jack Swigert rather understatedly signaled to Mission Control on April 14, 1970, that there was an emergency. An explosion onboard the Apollo 13 spacecraft threatened the lives of three astronauts and NASA’s mission to the moon. We must declare that we also have a real problem. A serious one. It involves something that affects all of us—money. Money impacts every person every day, from putting gas in the car to food on the table. Many people struggle with money-related issues. Bills can’t be paid. Budgets go unfunded.

January 6, 2018

Jerry Harris

The ABC’s of Financial Freedom

By Jerry Harris One of the top-selling books of the recent past by an independent Christian church writer is undoubtedly Barry Cameron’s The ABC’s of Financial Freedom, which has sold approximately 250,000 copies since its release in 2001. The book has helped hundreds of churches and thousands of people across America turn their financial situations around, and it has helped churches raise millions of dollars for kingdom causes. Through the ABC’s, readers have discovered biblical principles to help escape the burden and bondage of debt, enabling them to declare their financial independence. Churches have reduced their debt and improved their financial

January 5, 2018

Christian Standard

ON-RAMPS AND EXITS: How to Help Your Children Reach Financial Freedom

By Barry Cameron The most visited museum in all of Scandinavia is in Stockholm, Sweden. It contains the world’s only preserved 17th-century ship—a Swedish warship built between 1626 and 1628 during the reign of King Gustav II Adolf, who is considered one of the great military minds in European history. The Vasa, built on the king’s orders as part of a military expansion during a war with Poland and Lithuania, was constructed from the timber of 1,000 oak trees; it had two gun decks with 64 bronze cannons and a mast more than 150 feet tall. The ship was covered

January 2, 2018

Jerry Harris

The Tyranny of Numbers

By Jerry Harris I live every day with the tyranny of numbers. It’s everywhere I look, around every corner, in every closet, reminding me of the truth, the oftentimes painful truth. When I get up in the morning, the tyranny of numbers is waiting on the bathroom scale display. It’s in my Weight Watchers app on my phone, in my budget, my bills, and my bank balance. As a pastor, I face the tyranny of numbers when I see last week’s attendance, the offering number, and the number of baptisms. I live with the tyranny of numbers when I look

December 29, 2017

Christian Standard

The Church Budget Shouldn”t Be This Hard!

How to Build an Effective Church Budget and Choose the Right Tool By Chris Boue Building a church budget can be hectic and complicated. Even if everyone agrees on how much the church should spend 12 months in advance, technical and administrative issues always seem to crop up. We send files back and forth, miss important email attachments, and lose track of the “right” version of that Excel file or tab. These types of problems can give everyone a bad case of heartburn. You know the budget process is going poorly when you hear statements such as, “I”ll just put

December 27, 2017

Christian Standard

The Future of Finances in the Restoration Movement

By Doug Crozier It was late August 1972 when I walked into one of my first college classes at the University of Nebraska in Lincoln. Accounting 101 was in a lecture hall large enough to hold more than 700 students. I learned a lot from Accounting 101 during that first semester, even though the large lecture hall was intimidating to this small-town kid. One of the key fundamentals of financial accounting I learned is a simple rule: Total Assets minus Total Liabilities equals New Worth (or New Assets in the not-for-profit world). In the mid-1990s, when I went work in

June 6, 2017

Mark A. Taylor

Credit Report

By Mark A. Taylor Some assume a magazine”s editor is alone accountable for the insights and errors that have appeared in its pages. But as I write this, my last editorial for CHRISTIAN STANDARD (indeed, my last piece of any kind as an employee of Christian Standard Media, known as Standard Publishing during almost all my 41 years here), I know better. I must share credit, along with some blame now and then, with a long list of encouragers, examples, and givers of advice. And in this space I have room only to summarize. I think first about a decades-long

February 27, 2017

Michael C. Mack

How Ministers Can Respond to Financial Pressures

By Michael C. Mack CT Pastors recently reported, “Today, 90 percent of pastors feel financial stress in their family and church work, 76 percent of pastors know other pastors who left the ministry due to financial pressures, 31 percent of pastors work a second job to help make ends meet, and almost 60 percent of pastors do not receive health insurance or retirement funds from their church.” We asked pastors: What would help, or what would have helped you in responding well to these circumstances? Here are a few of the responses: “Some problems, not all by any means, could

February 6, 2017

Christian Standard

8 Best Practices for Pastoral Financial Health

Take advantage of coaching networks available to pastors (yes, that may mean paying a coaching service for your long-term health in ministry). It”s an investment, not an expense, as seasoned ministers have years of advice for you. “¢ Participate in a financial acumen class (Financial Peace, Money Matters, any Larry Burkett program, and others). “¢ Opt for a non-Bible degree undergrad program. (Business would be a good option for ministers.) “¢ Take advantage of spousal insurance or retirement plans. (If your spouse is a teacher, maximize the benefit of retirement plans and paid health insurance.) “¢ Go bivocational. Many pastors

January 8, 2015

Christian Standard

A Healthy Church Manages Debt Well

By Don Anderson Thank you for even starting to read an article about an important topic that is seldom considered exciting. I am certain I could find church leaders who would argue that an indebted church cannot be considered “healthy.” And others would argue that debt has little to do with a church”s overall health. I think the truth lies somewhere between these two extremes. Debt can be like a noose squeezing the necks of leaders, or it can be a useful tool for eliminating real obstacles to growth, such as the lack of seating or parking. Debt and commercial

July 24, 2014

Christian Standard

Big Buildings, Big Holes

By Howard R. Brammer (From our series “The Best or Worst Advice I”ve Ever Received.”) A few weeks into my new ministry with Traders Point Christian Church, it became clear we weren”t growing as quickly as anticipated. We told no stories in the church newsletter of rapid growth and large worship service crowds””there were no such stories. Actually there were unprinted accounts of a few people who were leaving. My concern increased to the point that I brought the matter to the attention of church leaders. I didn”t anticipate I would receive timely advice I have applied to many ministry

July 20, 2014

Christian Standard

$hort, $imple, $ignificant

By David Eubanks (From our series “The Best or Worst Advice I”ve Ever Received.”) My deceased father-in-law, Joseph Perry of Williamston, North Carolina””farmer, church elder, Sunday school teacher, and one of the finest Christian men I have ever known””gave me my wife, Margaret, and through her to me, a piece of advice that we have tried to follow in our lives, our marriage, our home, and our work.  “Live within your income.”Â  Its shortness and simplicity belies its significance. Yet disregarding it destroys marriages, limits the spread of the gospel, corrupts and stymies government for the real benefit of the

July 10, 2014

Christian Standard

Better Leadership, Healthy Churches, Money Matters

By Ben Merold (From our series “The Best or Worst Advice I’ve Ever Received.”) The best advice I ever received came after I moved to Southern California in 1969, during the peak of a Pentecostal movement in that area. The movement was very sophisticated in its approach and seemed to touch every segment of that society. There were many good things about this, but there were also things that became very divisive to the work of a New Testament church. As a result, I went through a lengthy period of pressure and frustration in my ministry. One morning I accepted

June 29, 2014

Christian Standard

Enough Is Enough

See related article, “A Call to Sacrifice.” ________ By Jennifer Johnson Each time I move I”m keenly aware of how much junk I own. As I prepared to leave Nashville and join Matt in Philadelphia two years ago, my fourth move in 10 years, I was amazed at how much I”d accumulated””14 antique china plates and three matching cups (Grandma was prone to dropping things). Dozens of books I fully intend to read. Half-used hair products. Barbie dolls with complete outfits. The original packaging for Standard Publishing”s 1984 VBS craft kit featuring my smiling face. So, some seriously good stuff.

February 11, 2014

Mark A. Taylor

Living with Open Hands

By Mark A. Taylor The topic was consumerism, and I was ready with my questions for the three CHRISTIAN STANDARD writers who formed the panel at our Beyond the Standard BlogTalkRadio program last month. But soon they took the conversation much deeper than my concerns about defining wealth and deciding how much of our money we should give away. “Consumerism is a byproduct of bad thinking,” said E.G. “Jay” Link, head of Stewardship Ministries based in Mooresville, Indiana. “You can”t resolve the big issues of life simply by resolving to spend less. The basic issue is: I own nothing.” Link

January 16, 2014

Christian Standard

Consumer Christianity: Idol for Destruction

By J.K. Jones It is a plague that seeks to devour our churches, a spiritual disease as old as Adam and Eve. It is a sickness of the soul. It is a sleight of hand, a slick replacement of God with something that resembles him but is not him. Consumerism of the Christian kind is a making of God into our own likeness, wanting him on our own terms. At its most crass level, clearly evident in the North American Christian landscape, consumer Christianity is taking and never giving in return. It is a worldview, a way of living out

January 12, 2014

Christian Standard

Consumer Christians: Bad Bottom Lines

By Jeff Faull We used to call them “church shoppers.” It was often a pejorative term, intended to characterize those who were always looking to be served rather than to serve, to get rather than to give, and to consume rather than to contribute. Ironically, we often end up structuring the church in ways that encourage and cater to that consumer mind-set and behavior. In so doing we run the risk of reducing spiritual things to mere commodities. We dilute the gospel to palatable niceties. We obscure the concept of sacrifice and service. We run the risk of being people-centered

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