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I wonder if young believers sense or see the effects of the economy on the finances of churches.  Many congregants struggle, but do they understand how their churches struggle to pay the bills and meet payroll? Here is what the Barna Group reports on church stewardship:

Like many other sectors, pastors and church executives admit that churches are feeling the results of the economic pinch, though for most congregations it has not been severe so far. Overall, 57% of pastors said the economy has negatively impacted their church over the last year. Still, only 8% of leaders said the effect was “very negative.” About one-third of leaders (35%) describe their churches as unaffected by the economy, while one of 11 churches (9%) defied the odds and described the last year as financially positive.

Across all Protestant churches, budgets are down about 7% from a year ago, though that indicator masks extremes. The typical “down” church has lost, on average, 14% of its budget. Among those churches with contracting income, smaller churches were the hardest hit: churches of 100 or fewer adults who had shrinking revenue had lost 16%; those with 100 to 250 adults were off by 13%; churches with 251-999 adults were down 11%; and churches of 1,000 or more adults were down 9%.

Some churches have been even more significantly hurt by the economy than others: one out of every 11 churches (9%) has lost 20% or more of their budget from 12 months ago. Within that proportion are 2% of churches with incomes off by 35% or more. Among the rare churches that have grown financially, the average annual budget increase was 10%.

I want to make a few suggestions to church staff members (yes, that means pastors and ministers) that may help improve stewardship in their churches:

1.     Adopt a June 30 yearend.  This gives you a chance to promote giving toward the budget not just at the end of the calendar year, but in the spring of the year as well.

2.    Find a cause that is bigger than you are and challenge your people.  I believe the next generation appreciates a challenge.  This especially relates to money and doing important ministry stuff.

3.    Engage more people in missions.  Missions opens the heart to giving like no other aspect of ministry.

4.    Adopt an assimilation strategy that includes stewardship education.

5.    Make sure people know all the ways they can give to the church, whether by check, online, credit or debit card, etc.

6.    Put a phrase about stewardship in your mission statement.

7.    Communicate better.

8.    Answer phone calls and e-mails.

9.    Visit people from the church, not only when they are sick.

10. Renew contacts with lapsed members.

11. Do not show favoritism (this is biblical).

12. Say thanks a whole lot.

Twelve is a good number to stop at.  These twelve suggestions are easy to adopt and should move you toward improved stewardship in the church.  Remember the next generation appreciates authenticity.  You may need to take a long hard look at yourself, pastor, and see where you line up with these suggestions.  Be genuine, be authentic, and be consistent.

Related Articles

• Improving Stewardship in Your Parish (palamas.info)
• The Problem with Pastor as Rock Star (challies.com)

• The proper response to a gift is gratitude.
• People have both the desire and need to give.
• Gratitude is expressed through giving.
• Giving amplifies the goodwill that one has received.
• Givers typically give without seeking or expecting recognition.

So the question becomes, “if we take away the gratitude, will we still be compelled to give?”  Or, “if something takes the place of gratitude, will we still be compelled to give?”

I wonder about the next generation and where they will be on this issue. Have we inculcated the next generation with an attitude of gratitude?  From a casual observation of students in my university town, it seems they care about social issues and about the issues that affect others.  That’s a good thing.  They seem intent on helping their fellow man and on practicing a lifestyle of concern for their fellow man.

But is gratitude motivating this giving and concern? Have they been the recipients of goodwill? Are they responding to the generosity that has been shown to them?  I wonder sometimes.  It appears that many in the next generation expected the things they got.  They laid claim to an education without seeing the connection that the general population sacrificed tax dollars so that they could have their education. Or if they received a private education die they realize how those who loved them paid for this?  Some of these students lived in homes worthy of a king, yet did they ever show gratitude to their parents for this?  How about the things they have and the things they have done.  Did they ever take time to express thanks to those who provided all of those things?  Did anyone ever thank God for His provision for their lives?

As Roger Scruton so well notes, if gifts are replaced by rights then gratitude is replaced with claims.   If there is one point we can drive home in the lives of the next generation, it is that all that they have are gifts ultimately from the hand of God who we need to show gratitude.  Yes, there may be a human agent that we show this gratitude to also and this is important to do.  But we have this life that ultimately is in the hands of Someone that enjoys our expressions of gratitude.

I would encourage the next generation to consider how to live a life of grace and a life of gratitude.  I want to practice this each day.  It might even be good for my health.  Thank you for reading this and I hope you explore further the attitude of gratitude!

Is it the same among Christians today?  When we want an answer to a question about the Christian life, do we Google it?  If there is a matter related to any of the same categories above and you are looking for an answer from a Christian perspective, do you Google it?  What about deeper issues of our faith and doctrine?  Let’s Google it and take a chance that what we see is biblical and correct.  What is the effect on the Christian mind when we do this?

This has been nagging me a lot over the past few years as a believer.   I have a hard time reconciling this with diligent, systematic Bible study.  After all, we are supposed to involved in studying the Scriptures, aren’t we?  Now I can even read the Bible in Tweets.  Maybe some of our brains can’t handle more than that anyway.  Leave it to the preachers to teach us.

But wait, now we just stay at home and get the preacher’s podcast.  I can lounge around in my pajamas Sunday morning and play the service in the background while petting the dog.  Get me a cup of Joe, the morning news, and my preacher on webcast.  Man, this Christianity thing is great!  I wonder what Jesus would do?  WWJD?

Well, apparently we are no longer asking “WWJD” but we are asking “WWGD,” that is, “What Would Google Do?”  The book has been written, I am not kidding.  The author Jeff Jarvis has prophesied in the new book What Would Google Do? that if we are not asking the question we are going to be left behind in the dust of some prior model of obsolescence.  Google is our new model for thinking, according to Jarvis, and it is hard to find a sector of life and business that has not already been affected by its influence.   Jarvis goes on to say, “Google is changing our societies, our lives, our relationships, our worldviews, probably even our brains in ways we can only begin to calculate.”

That’s where I got concerned for Christians.  We are new creations in Christ, the old has gone, the new has come.  Our minds should be set on what the Spirit desires as we live with the Holy Spirit within us; the mind controlled by the Spirit is life and peace (see Romans 8:5-8).  We read Scripture, we pray, we turn our minds toward God, toward His goodness, toward life in the Son.  Yet we seek quick answers to spiritual things by Googling it.  Dangers abound when we do.

Fight the reflex.  That’s right, fight the reflex to Google an answer to a spiritual question.  Go to the Source.  We are told to “take every thought captive to make it obedient to Christ” (2 Cor. 10:5).  We are even told we have the mind of Christ (1 Cor. 2:16).  Dwell on this a bit, and when you have a question go to God’s Word.  Ask the Lord to know your mind, to know your thoughts, and to lead you in the way everlasting (Psalm 139).

I know what I am saying may sound contrarian, but I maintain that Jesus was a contrarian.  So I am returning to WWJD next time I am seeking an answer.  I hope you will follow.

Have you noticed the lack of commitment by all the business experts?  Here’s an example, “All this austerity will pay off—eventually.”  Or Jack and Suzy Welch’s answer to the question “When will this *@&^ recession end?”  They answered, “How about sometime in 2010?  The problem with being more precise, you see, is the mixed picture out there.”

I would agree with that.  But just give me a straight answer.  I want to know whether the stimulus plan is working—plenty of hemmin’ and hawin’ when it comes to an answer to this question.  How many more banks will fail?  It depends on how you define “fail.”  Is there any hope for the automobile industry?  Maybe if they can come up with new and exciting products.  When will unemployment stop rising?  We may be near the bottom of readjustment, so we should see this trend slowing.

There is one question from this issue of Business Week that reveals where the American public seeks an answer.  They are seeking their answer from the White House, which may indicate that we are drifting toward increasing reliance on our federal government to solve everything.  The question:  “What one issue would matter most in your presidential vote?”  Over 50% of the respondents to the Pew Research Center poll answered, “Economy/Jobs.”  Moral values rated, but only at 10%.  Compare these figures to the same poll in 2004.  Terrorism/Iraq/Afghanistan garnered 36%, the economy 21%, and moral values 27%.

Of course the economy would rank higher in this year’s poll.  And it would seem reasonable for Terrorism/Iraq/Afghanistan shrinking to 8% as we move further away from 9/11/01.  My concern is the shrinking emphasis on moral values.  Just take a look at some of the moral issues we see around us, in particular among political leaders.  If we can’t have politicians who know how to act responsibly on a personal level, then we likely will not have politicians who can address major issues with the economy in a responsible manner.

We need men and women who will serve this country with dignity, that will set a proper example for the next generation.  Yes, the economy is perhaps the most significant issue of the day.  But let’s not throw out our morals.  This might just be the time when we consider that the really important things in life are the intangibles.  Our lives will be the richer for it.  Oh, and happy July 4th!

One such topic is making a living.  Yes, that thing we do upon finishing some level of education and enter the real world.  Maybe this is a Westernized notion, but we do need shelter and food on the table and the means to getting this here in the U.S. is through a job.

From some of my reading, I sense there is a redefinition of “making a living” in the works.  Particularly among the next generation, there appears to be a type of entrepreneurship going on that espouses linking a new startup venture with some technological discovery that will make millions.  For example, the rush to create new applications for the I-Phone seems to be a particularly ripe area for making money these days.  The number of new applications does appear to have a limit though.

Some like to refer to these entrepreneurs as “heroic,” that is, someone who ventures away from the common path to seek a new path of riches perhaps driven by a vision to make the world a better place for all of us.  Now this might be a stretch.  Can an I-Phone app make for a better world?  These things have a life span, you know, and they ultimately end up being replaced by something newer, faster, slicker.  Last time I checked my world was just fine even before the I-Phone.

This brings me to the point for the next generation—stick with the basics.  Begin by asking questions like, “What are the basic things needed in my life, the lives of the typical person or family here in this country?”  Or, “What are the basics for a successful business?”  We have pushed to the edge so much in recent years that I fear we have gotten away from an understanding of the basics.

Perhaps this is further clarified through a Proverb I read this morning.  “He who works his land will have abundant food, but he who chases fantasies lacks judgement” Proverbs 12:11.  Fantasies refer to schemes for making easy money.  Is that where we are today with the scads of schemes for making a buck on the web or with these unending myriads of applications for electronic devices?  Again, you can only carry these things out so far before they end up consuming the consumed.

The notion of “working the land” is what I would refer to as a basic.  Working the land implies a steadiness, a knowledge that there is a God who provides me something to do with my hands and helps me in this daily act of “making a living.”  If you work the land, you are dependent on good weather and regular attention to caring for the things you planted.  It seems that some of the next generation want to bypass the planting and get on to the reaping.  That is a rather short-term view.

Let’s return to the basics.  It may be more satisfying than you can imagine.

At the top of the list, Number 1, was this:  Jobs are the New Assets.  Was this supposed to make us feel better about the dwindling property and investment values we see around us?  Or was this a step toward some economic theory about human capital?  Maybe it’s a little of both.  It’s probably time to get out your Econ 101 book and revisit the section dealing with human capital.

The idea deserves merit.  Jobs define us, they give us an identity.  No longer will I look at my balance sheet for purpose in my life, I will look at each day with a job as something precious.  Is this too much a short-term perspective?  No, I think this thought contributes to the long-term notion that jobs represent the best assets a company holds.  If you have jobs, you have production.  If you have jobs, you have billable hours.  The corporate world lacks this long-term perspective when it rewards risk-takers with large bonuses at the expense of a steady, perhaps slower view that rewards dedication, dependability, and long-term value building.

Part of the next generation’s challenge with jobs will be to protect their human capital.  Don’t overlook the fact that skills require development.  Education helps.  An apprenticeship makes sense.  You can’t sit around in coffee shops day after day and expect to develop your human capital.  Get up and get moving toward some vocational outlet that intrigues you and maintains your interest.

Another thought about protecting your human capital’s worth:  stay healthy.  Years of smoking and drinking age you quickly.  Look at someone who does this stuff for 20 years and you’ll see the wear and tear on their physical bodies.  The scary part is not what you see, but what you don’t see.  Statistics from the Urban Institute in early 2009 show that about a third of all Americans develop some health-related limitation in their fifties and sixties.  As a result, many workers do not retire on their own timetable.

Some of the next generation seem to think they can ignore healthy habits.  It is strange, but many of those who call themselves “green” and seem more concerned about global warming than they do their own bodies probably lead the way in unhealthy habits.  The “greenies” tend to ignore their need for rest and use drugs and alcohol like they are necessary parts of a balanced diet (please excuse this short rant).

So, if you are your best asset, take care of yourself.  The next generation awaits.

Whatever happened to zero-based budgeting?  You know, where we figure out what is needed first and then assign a cost.  It seems we have reversed this process to something like, “How much money can we spend or print?” and then let’s start putting everything into categories of spending.  We can’t operate our own homes this way.

I looked over some of the numbers in the stimulus package and have never seen so many zeros in all my life.   There is $6,000,000,000 for the construction, repair, and alteration of Federal buildings.  How about $375,000,000 to rebuild trails on our Federal lands?  Or we have the Weatherization Assistance Program chiming in at $6,200,000,000.  By the way, what is that $500,000,000 of expenses included within this?  No detail, just half-a-billion dollars of expenses.

Perhaps in contrast, I became aware that Wycliffe Bible Translators launched the Last Languages Campaign.  This campaign focuses on translating the Bible into 2300 languages that remain on their list of people groups without a Bible in their native language.  Bob Creson, President of Wycliffe, gathered their staff together to pray and plan this campaign.  It was fueled by a donor who asked the question, “If I gave you $100,000,000 for your work, what would you accomplish?”  This is cold, hard cash.  The Last Languages Campaign will enable all of these remaining languages to have a translation started by the year 2025.  The price tag is $1,000,000,000 (give or take a few dollars).

This represents billions of dollars that will accomplish something far-reaching on a scope that influences many people groups on the face of the earth.  It is not an “invest in ourselves” mentality like the Democrats are proposing, but rather an “invest in others” plan that will influence untold cultures and societies for the better.  The lesson for us, and for the next generation, is to look at how we invest in others and how we learn to be a conduit for good while we inhabit a short time on the face of this earth.  The present fades away, the eternal endures.  This must become our focus.

This message will likely produce conflicting feelings of hope and despair for nonprofit leaders.  The hope is that Americans step up to the plate for their favorite causes and lend their support.  The despair is bound up in the uncertainty of the economy and whether Americans will respond to the message of hope they hear from our leader as 2009 progresses.

In his commentary in today’s issue of The Wall Street Journal, Arthur Brooks, president of the American Enterprise Institute, points to the Philanthropic Giving Index (PGI) perhaps as an indicator of where we may be heading in 2009 in the bigger scheme.  This index published by the Indiana University’s Center on Philanthropy shows that the PGI over the past six months dropped from 83 to 65 on a scale of 0-100. PGI is determined by nonprofit leaders and is similar to the Consumer Confidence Index.  As a tool, the PGI is useful but does not indicate where the pain may be or by how much donors may lower their giving.

Ministries and religious nonprofits should take heart, however, according to further research by Mr. Brooks.  The logic goes like this:  conservatives give more than liberals because conservatives are more religious.  Extracting this from its political implications, folks who attend church services and who consider themselves religious tend to out-give those who are not by more than $1,100 per year.  Mr. Brooks further shows that these same people decrease their giving less during economic downturns.

I am not sure of the age demographic for all of this information.  I suspect that the younger generation that responded favorably to the fund-raising appeal of the Obama campaign heard the words “hope” and “change.”  They thought electing a new president would result in the change.  Now the task is to get this next generation to step up and become responsible supporters of the causes they hold dear.  For next generation believers, it is time to consider what stewardship really means and which ministries merit their support.  This is the mandate for us all.

I thought back just a month or so earlier to news about a French financier’s suicide in relation to the Bernard Madoff scandal. He oversaw a fund largely invested with Madoff that lost close to $1.5 billion.

There are others. On the same day as the Merckle news, The Wall Street Journal listed 4 apparent suicides of high-profile business officials occurring recently. WSJ probably figures obituaries sells newspapers these days.

How can we take this news and use it as a teaching point for the next generation?

First, let’s stress the importance of keeping your identity free from notions of personal wealth. This is nothing new, for it seems that men continue to yearn for the type of power and recognition that wealth has to offer.  A person’s identity needs something much greater than this earth has to offer.

Next, focus on developing quality relationships with balanced people. I wondered many times about the relationships these reported deaths have left behind. Are there family members with broken hearts? Any other friends who might come forward to share something positive about these men? Strange, such reports elude our attention.

Also, develop personal interests other than the ones money can buy. I can think of a few that require relatively little investment of money: reading (check out local libraries), gardening, cooking (you’ve got to eat), walking, listening to music, developing a skill, outdoor recreation, etc. Creativity helps. Don’t give in to notions that you are not creative.

Finally, cultivate your spiritual life. My personal relationship with Christ takes on new meaning when the media shouts the word “uncertainty.” I know what certainty is, and that is having a hope and a future because of the saving grace of God expressed through Jesus Christ. This makes life worth living, this gives life worth. This is the type of wealth you want to share with others.

Next generation, please realize that change rests with you. Notions of wealth reside within each generation, so ask God to help you change your heart and influence the hearts of others with true notions of worth.

A little background here—for a country to merely remain even in terms of population, it requires a fertility rate of at least 2.1.  There are 45 countries in the world that are well below this rate.  These countries include much of Europe, Russia, China, and Japan among others.  Translated, this means that population growth is negative for these countries.  The U.S. maintains close to a fertility rate of 2.1 only because of the number of immigrants here.  Of all the countries, the lowest fertility rate according to one report I read was in Spain, which was near 1.15.

Think this through with me for a moment in relationship to the economy.  An older, graying population that is living longer these days will need healthcare, housing, pensions, and other retirement benefits.  The model for providing these needs includes economic input from the younger generations.  If the populations are declining, who will help fund these needs for the older generation?

The governments think they can help. But again, with declining populations the tax rates must be much higher to even make a dent in these needs. Today, the governments sit in the unenviable position of trying to figure out the current economic crisis and it appears they struggle each day to fix on a strategy that is elusive.  The quest for a solution lingers no matter what is done.

When I observe the next generation, I see a generation less concerned with wealth creation and more concerned with solving the world’s issues.  I might suggest to them that the economy is one of the single-most important issues.  This is not to say that we want to preserve certain negative aspects of wealth creation, but that we want to consider how wealth creation enables us to address some of the other issues we face. I would ask, “What are the positive aspects of wealth creation?” This might help us adopt a better way to solve economic issues while at the same time addressing other complex issues.  The world is changing, and the next generation needs to be in a position to wisely lead when the baton is passed.  Let’s make sure we help them understand the times and extend ourselves as counselors and mentors.