The Pastor’s Church Finance Checklist

A consistent theme I have seen in many churches is in the area of church finances. Many church leaders operate out of a mode of scarcity instead of abundance. While I realize that churches cannot and should not spend foolishly, too many church leaders just don’t recognize that God has provided more than they think.

Often the issue is not lack of funds, but unwise choices of church expenditures. There are many reasons for this reality; I plan to address them in a future post.

A Checklist for Your Consideration

For now, I offer a checklist of questions. As you answer these questions, I hope you will be motivated to think how your church might look at its expenditures and budgets in a different light.

  1. If you were to start your church’s budget from scratch, how differently would it look than your present budget?
  2. Do you have programs and ministries that, if they were discontinued, would have little negative impact on the church or the community?
  3. How much of the church’s expenditures reflect “the way we’ve always done it”?
  4. Are there clear lines of accountability for spending at every level?
  5. How much of the church’s funds are used to impact the community?
  6. Is the church spending its personnel dollars in the most effective ways?
  7. Who are the true decision makers on how church funds are spent?
  8. Do some of the expenditures reflect preferential treatment toward some of the members?
  9. Is debt hindering your church from doing effective ministry?
  10. What are the potential unintended consequences of making significant changes in the budget and expenditures?
  11. Do you know clearly how church funds given to support missions are being used?
  12. Does your church spend too much or too little on physical facilities?
  13. Does the church have adequate funds for training and development of staff and laity?
  14. Does the church’s budget reflect faith, futility, or foolishness?

An Attitude of Abundance

If we really trust that God will provide for our churches in all areas, including finances, we may realize that we do not have a money problem; we may have a stewardship problem. These fourteen questions can be a starting point to help you move toward a realistic and faith-based approach to church finances.

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ABOUT THE AUTHOR

Thom Rainer

Thom Rainer

Thom Rainer is the president and CEO of LifeWay Christian Resources.  Prior to LifeWay, he served at The Southern Baptist Theological Seminary for twelve years where he was the founding dean of the Billy Graham School of Missions and Evangelism.  He is a 1977 graduate of the University of Alabama and earned his Master of Divinity and Ph.D. degrees from The Southern Baptist Theological Seminary. In addition to speaking in hundreds of venues over the past 20 years, Rainer led Rainer Group, a church and denominational consulting firm, from 1990 to 2005. The firm provided church health insights to over 500 churches and other organizations over that period. Rainer and his wife, Nellie Jo, have three grown sons: Sam, Art and Jess, who are married to Erin, Sarah and Rachel respectively.  The Rainers have six grandchildren: Canon, Maggie, Nathaniel, Will (with the Lord), Harper, and Bren. He is the author of twenty-four books, including Breakout Churches, Simple Life, Simple Church, Raising Dad, The Millennials, and Essential Church.  His latest book, Autopsy of a Deceased Church, was released in 2014 by B&H Publishing Group.

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COMMENTS

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Recent Comments
What happens when u dont have a meeting place any more. And u was forced out because the buliding wasnt available any more.
 
— Debra
 
If someone wants entertainment they're going to the wrong place. Church is not a place for entertainment...or in my opinion a barrage of coffee and donuts. Why are churches today bringing the world INTO them? Then there's the thing with children...age appropriate??? These little guys can pick stuff up in service. Besides Jesus said Suffer little children, and forbid them not, to come unto me: for of such is the kingdom of heaven. Mt. 19:14.
 
— Laurie
 
I love the intentionality here as well as the challenge to look at the data. That's missing so many times. I would like to offer a contrarian's take. Church members and regular attenders have so many ways to get information: Announcements, bulletins, social channels, relationships, and email being among the options. But brand new people are likely going to check out the website and that's it. It might be wiser for churches with limited time and resources to focus their website almost exclusively to guests. This group of people isn't looking for a calendar of events but wants to know about regular programs. They probably aren't interested in watching all of the messages but instead may want to preview one of the services. For the times we need church members to go to websites (sign up for camp, join a group, etc), we're probably better off designing and promoting a specific page rather than cluttering up the homepage.
 
— Michael Lukaszewski (@mlukaszewski)
 

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