Is Fundraising Biblical?

Sally Ferguson writes devotionals and articles of consequence, and she even wrote a coloring book for children. As a speaker, she helps women find encouragement from God's Word. She is also helps women plan women's retreats and leads them herself. In this Biblical Discernment UPGRADE, Sally asks a question about fundraising, a topic dear to her heart.

“I was surprised recently to learn some people don’t think churches and Christian ministries should do fundraisers,” Sally said.

Fundraising can be a hot-button issue in some Christian circles, but I (Dawn) think Sally explores it with both insight and compassion.

Sally continues . . .

As one who was in church with my parents every time the doors were open, I grew up with a well-rounded view of the church and money.

My sister and I were eager to put our coins in the offering plate when passed down the row. It was seen as a privilege to be a part of God’s work.

When I graduated to the youth group, we each became a part of the fundraising team to ensure all could afford our ministry opportunities.

Church camp and youth conventions were a time of teaching God’s Word and growing in relationships. We came home from our mountaintop experiences ready to tell our friends at school about the transformation we’d encountered and how Jesus could make a difference in their lives, too.

Had we not done fundraising, maybe half of the group could not have attended.

It’s unthinkable that some of us would not have been included in those trips.

In the years following, I’ve been a part of fundraising for all types of church events, so it puzzled me that someone wouldn’t consider it biblical. It made me want to find out for myself what God says about our finances.

Exploring Fundraising Biblically

1. We’re told in Malachi to bring a tithe to God.

That foundational gift is to honor God’s care of us. He gives us all things, but only requires a tenth given back to support the ministry of His House, as planned in Numbers 18:21.

“Bring your full tithe to the Temple treasury so there will be ample provisions in my Temple. Test me in this and see if I don’t open up heaven itself to you and pour out blessings beyond your wildest dreams” (Malachi 3:10 MSG).

2. The early church modeled community for us in the way they took care of each other.

Acts 2:42-47 tells us people sold their possessions in order to provide for unmet needs.

People were so excited about what they were seeing take place around them, they joined forces to expand their reach.

3. In Romans 15:27, Paul says it is right for us to share our material blessings with those who bless us spiritually.

Have you felt joy when you gave to another? It has a boomerang effect in blessing the giver as much as the receiver.

Not only has fundraising helped our church reach goals of sending people on mission trips and building campaigns to expand ministry facilities, but it has also helped to build camaraderie within the church.

The process of working together toward a common goal bonds us together and builds community.

When we witness something accomplished that is bigger than ourselves, we get a faith boost because we know God is at work in our midst.

“In the Messiah, in Christ, God leads us from place to place in one perpetual victory parade. Through us, he brings knowledge of Christ” (2 Corinthians 2:14 MSG).

So, let’s circle back to the beginning.

What Is Fundraising?

Fundraising is raising funds for a particular need that otherwise wouldn’t be met. It’s money pooled together above and beyond the general tithe for a specific occasion.

Maybe you would call it an offering or a gift, but fundraising can look like many different things:

• A new church van for picking up children for Sunday School
• Packaged goods for the church food pantry.
• Bottle and can drive for missions.

One more story.

Our church issued a Backpack Challenge for members to fill backpacks with school supplies. One little girl turned in hers with a request. She had added clothes in her size for another girl to have for the first days of school.

Our youth pastor agreed to pray for that specific recipient.

Later that week, she received a call from a local agency. Guess what they asked for? Yep, that specific size was needed for a little girl!

Two gals learned about the power of prayer and that God cares about the details—when one responded to a fundraiser.

It was a great reminder to all of us that the smallest can teach us the biggest lessons.

What does fundraising look like to you?

Proverbs 3:9 admonishes us to honor God with all of our possessions. May we do so with generous and joyful hearts and wallets, as we look for ways to enhance ministry opportunities beyond the walls of our church.

What do you think? Is fundraising biblical?

Sally Ferguson is a teacher of God’s Word and a student of people. Whether leading retreats or small groups, she loves to see the light shine when hope abounds. Sally lives in western New York with her husband and her dad. Her current project is a Bible study for caregivers. Catch up with her at sallyferguson.net.  

Honoring Heroes at Home

Ellie Kay is known as America's Family Financial Expert, but she's also the founder and CEO of Heroes at Home and an alumnus of the Military Family Advisory Network. She is an Air Force spouse, mother of seven—including three in the military—and the author of 15 books. In this July 4th UPGRADE, with a special emphasis on the military, Ellie shares financial tips for the military that are helpful for everyone!

"I looked out at the audience of 1300 young Airmen who had gathered at Sheppard Air Force Base to watch Heroes at Home Financial Education event." Ellie said.

"They were tired, hungry and had been told that: 1) they would skip dinner at the 1800 hour, and 2) they were going to sit in on a mandatory 2-hour financial brief.

"To say they were not a happy audience would be a gross understatement."

I (Dawn) got to know Ellie Kay because of her emphasis on financial freedom, but soon found out her strong passion for the military—which is why I wanted her to write something for July 4th. In this article, she combines two of her passions: financial freedom with helping our military Heroes at Home.

Ellie continues . . .

During our live Twitter contest, they were to tweet the best financial tips from the show and a winner got the prize.

Instead, they tweeted photos of hamburgers, tacos, and fried chicken.

One of our resourceful team members had a conversation with the powers that be and we got the chow halls to stay open past the normal time, so they could eat. When our emcee made the dinner announcement, it got the biggest applause thus far in our show!

But by the time we finished with our high-energy, quickly-paced show, they were smiling, happy and getting into the tips we shared. We are dedicated to helping military families and all Americans, find financial freedom. 

We celebrate Independence Day and the less than 1% of our nation’s population who serve in our military, to protect the rights and freedoms of the other 99% of us. 

But we can all support our military members by saying, “Thank you for your service,” and letting them know we appreciate their work on our behalf.

If you want to go above for those who have gone beyond, then you could also:

• send care packages during deployments,
• offer to do free yard work for the family left at home,
• or give a military family gifts cards for the movies, restaurants or other forms of entertainment.

One more way to thank our military is to help them with financial readiness.

Here are some tips that apply to everyone.  

1. Credit Scores

Military members can lose their security clearance if they get into trouble with credit, so their jobs depend on having a decent credit score and what that represents about their debt.

No matter what your financial picture is, it’s critical for every person to improve their own FICO (Fair Isaac Credit Scores). These scores determine not only the APR you pay on a home or car loan, but they also impact auto insurance premiums, whether you’ll get the promotion or the job (many employers check FICOS), whether you pay a security deposit for utilities, and much more.

You can go to Credit.com  or Experian.com to check your score and they’ll even give you specific ways to improve each area of your credit score.

You can improve your FICO in three easy steps:

• Pay early. Set up automatic payments online so you will never be late.
• Pay More. Add $5 to $10 more than the minimum balance that is due; this indicates you are paying down debt.
• Pay Proportionally. Also known as credit utilization, make sure that you don’t have more than 30% of the available credit charged on any one card at any time. For example, a card with a $5000 limit should never have more than $1500 charged.

2. Cut Existing Costs. 

It only takes 15 minutes to save hundreds of dollars. Once you save money in one area, then use those funds to pay down consumer debt or to build up a savings account.

• Auto Insurance. Once a year, compare policies by getting a variety of quotes. Take the cheaper price back to your existing provider and tell them you will switch companies unless they can match the price. Be sure to check out quotes from USAA.com since you are military and qualify to be a member.
• RetailMeNot. Download the RetailMeNot app or bookmark it on your computer. This is a code site that offers 400,000 coupon codes at any given time. Just enter the store’s name and you’ll see all the codes to get the better prices. Use this on entertainment, travel, electronics, or any kind of online shopping or in the mall.
• CouponMom.com. I was one of the original extreme couponers, and I saved 161k while raising my kids by using coupons. If you go to this site, she’s done all the work for you and will tell you what is on sale in your neighborhood, what codes are available, what coupons are out for the item and which stores double coupon. I calculated that over the course of twenty years, I saved our family over 160K!

3. Free Credit Counseling

With a slow economy comes an influx of those who want to "help" prepare you for the worse by consolidating your debt. However, most “for profit” debt-counseling companies charge a hefty fee for their services, which is usually tacked onto your debt load.

Instead, go to the National Consumer Credit Counseling Service found at www.nfcc.org and use their FREE services.

4. Budget Baby

If you don't have a budget as part of your lifestyle, then yesterday was the day to start.

Set one up with a budgeting app such as mint, Wally or Every Dollar.

The problem for a lot of families is not having a budget, it’s sticking to a budget.

Set up a “budget date” once a month with your spouse to revisit how the plan is working. This kind of regular accountability works as well in finances as it does in Weight Watchers. When you know there will be someone asking you why you bought that purple mohair sweater for $198, you’re less likely to give into the impulse to go off budget.

EVERYONE: During this time of the year, be sure to thank those Heroes at Heroes at Home—and if you know a Vietnam Vet, then say “welcome home” because most of them have never heard those words from a grateful American.

For more information on where Ellie Kay’s Heroes at Home is visiting next, explore their website at HeroesAtHome.org.

Ellie Kay is the best-selling author of fifteen books including Lean Body, Fat Wallet, and Heroes at Home. She is a Toastmaster Accredited Speaker as well as a popular international speaker and media veteran who has given over1,200 media interviews including appearances on ABC, CNBC, CNN and Fox News. As a popular columnist, she writes for six national magazines and has been a Subject Matter Expert for the Wall Street Journal, New York Times and Washington Post. Currently, Ellie provides financial education to military members through her “Heroes at Home Financial Event” sponsored for USAA. Ellie is married to LTC Bob Kay and they have seven children.

Graphic adapted, Flags of the Military, Wikipedia.

Financial First Aid for the New Year

Ellie Kay is one of the people I trust to always give wise financial counsel, and in this Financial UPGRADE, her "financial first aid" kit is a good place for everyone to begin if they want to prepare for a financially healthy future.

"If you want to set your family up for success in 2019, then you may want to create a financial first aid kit," Ellie says. "It’s a lot easier than you may think."

I (Dawn) know what Ellie says is true. My own financial advisor has wisely helped set up this "kit" for us, and it really eases my mind.

Ellie continues . . .

When our youngest son, Joshua, was born, we started saying, "If he had been our first, he would have been our last." That boy had more energy and could get into more scrapes than all our other children combined.

When he was 18 months old, he stripped down to his diaper, took a plastic sword, and chased his four older siblings around the house—thus earning the nickname, "Conan, the Baby Barbarian." By that age, he had also jumped off the top bunkbed (three stitches) and "flown" off our travel trailer (four stitches).

Joshua was the reason we purchased a serious first aid kit.

Just as every family needs a good first aid kit for those unexpected accidents, they also need a financial first aid kit, or practical ways to help safeguard their financial future.

1. An Emergency Savings Account

This account is not an investment account—it doesn’t include IRAs, retirement accounts or CDs. Its purpose is not growth, but safety.

These are funds that are accessed in the event of spouse unemployment, emergency home repairs, or unexpected auto repair bills.

The best way to build this account is to establish a family budget using an app such as mint, pocketguard or YNAB (meaning, You Need A Budget). I recommend automatically transferring funds from a paycheck or checking account into a savings account every week.

A good guideline is to save three months of living expenses for dual income households or six months for a single income family.

2. Life Insurance

This is an easy ingredient in your financial kit. You will need enough money so that your dependents could invest the money and live modestly on the proceeds.

Use a QUOTE COMPARISON site—it will not sell your info, it is confidential—instead of a LEAD GENERATION site (they will sell your info). You can try insurify, Policy Genius, or Nerdwallet.

3. A Will

Here’s another easy one—as easy as making an appointment with the JAG  (Judge Advocate) if you are military or your HR department to see if your company offers free legal service for wills.

The main section of this critical document will assign a guardian for your children.

In many states, the surviving spouse may only get one-third to one-half of the assets that were in your sole name. Your children get the rest and if they are minors, a court administrator could handle their money until they become adults.

Make sure the beneficiary designations on any 401(k) plans, IRAs, life insurance and bank accounts are also up to date. 

To find a free service for a will, just type “pro bono will” followed by your state’s name into an online search engine to see about programs that you might tap.

4. A Retirement Account

If your company offers a 401k, then you could be leaving money on the table by not taking advantage of the matching part of that vital retirement tool.

Set up an automatic withdrawal to fund this account or start a Roth IRA or Traditional IRA so that you can get started on tomorrow’s retirement today. As little as $50 a month will get you started and the earlier you begin this account the more you can take advantage of the miracle of compound interest.

A good place to being with as little as $500 in an investment account is with Emperor, who specializes in helping beginner investors. Be prepared to give your social security number and bank information on the secure site and enjoy the adventure of investing!

5. A Good Credit Rating

The best way to rebuild good FICO, or credit score, is found in three steps: 

• Pay more than your minimum payment (even if it’s only $5/month more).
• Pay a day early rather than a day late (set up automatic transfers from your checking account to your credit card company for minimum payments.)
• Pay attention to utilization and never let your available credit fall to less than 30% of the total credit available (for example, $2,000 on a $6,000 credit line.) 

Each year, get a free copy of your credit report by going to Annual Credit Report, or go into the base’s Family Support Center where they can also run a free copy of your report and check your score.

Do you have all these tools in a financial first aid kit? If not, get started soon to build the kit. Guard your financial health!

Ellie Kay is a best selling author of 15 books and a popular co-host of the Plutus Award finalist podcast that she hosts with her millennial daughter called The Money Millhouse. She is the mother of seven and a veteran speaker of 2,000 events. She’s the founder of Heroes at Home, a non-profit providing free financial education to military members. 

Graphic adapted, original courtesy of Gigabeto at Pixabay.

Setting Up a Successful College Transition

An accomplished speaker and writer, Ellie Kay is best known for her financial wisdom and work with Heroes at Home, but in this Financial UPGRADE, she branches out to a topic that’s especially important this time of year for many: high schoolers’ transition to college.

Ellie says, “I believe that every student can be successful in college by following the Do’s and Don’ts of a smooth college transition.”

My (Dawn’s) first granddaughter is entering college this fall, so that’s on my mind a lot these days.

Ellie hits on some points I’ve never considered, both for parents and their college-bound students.

Ellie continues . . .

How can you prepare for a smooth move to college that sets you up for success?

When my daughter was four years old, she came home from a friend’s house sobbing uncontrollably. While comforting her, she blurted out, “I don’t want to go to college!”

Apparently, her friend had an older sister going to college and my daughter couldn’t imagine leaving us. I reassured her that college was a long way away and by the time she left, she was ready.

When parents are preparing their kids for college, I think they may have flashbacks of them as four year olds. It can be hard to send them away.

As a mom of seven, I’ve found there’s some “homework” you can do in the summer to make college transitions more successful.

1. PRIORITIZE key relationships.

DON’T fill up free time with friends at the expense of family. 

• Friends come and go but family is forever.
• Only a small percentage of your friends from high school will still be your BFFs throughout college.
• Less than 2% of boyfriend/girlfriend relationships will last until college graduation.

DO tell your mama (and papa) that you love them.

• Mend fences and build bridges with family members.
• Expect there to be some pre-separation anxiety on both sides—parents and kids—so give each other lots of grace.
• Students, please understand that this is hard on your parents, especially if you are moving away to go to college.
• Parents, understand that this is hard on your child because they are about to do something they’ve never done before.
• Students, take the time now to thank your parents, grandparents, friends, educators and coaches for their help in high school.

2. PLAN Your Finances.

DON’T think that you are too young to budget the money you have.

Luke 14:28 says, “For which of you, intending to build a tower, doesn’t sit down first, and counts the cost, whether he have sufficient to finish it?” This verse reminds us that it’s important to plan when it comes to our finances. “

• You can set up a spreadsheet to track your money. We like to use mint because multiple people can track finances on the app.
• If your parents give you money for tuition, books, rent or food, then this gives them a right to see how the money is spent, so be prepared to share your budget with your financial sponsors. Their love is unconditional, but their money is an investment in your education and it has conditions.
• Be prepared to work hard and add income to your monthly budget through work-study programs, a part-time job or even an entrepreneurial source of income.

DO be prepared to develop good financial habits that will set you up for success before, during and after college.

• Do listen to fun, upbeat podcasts like The Money Millhouse to learn more about managing your money.
• Parents, you may want to get an additional card on your credit card to help your student build credit. These cards usually allow you to modify the spending limit.
• We added additional cards on American Express and put these under our kids’ social security numbers. They charged preapproved items and then we paid the bill in full (and on time) each month.
• By the time each of our children graduated from college, they had a 750 or higher FICO score which helped with everything from getting a lower rental down payment to paying less on car insurance.

3. PREPARE for Positive Changes.

DON’T make this all about you.

• Parents, don’t create drama before they go or after they’ve gone.
• Moms, don’t sob and cry and tell them you don’t’ know how you’re going to survive without them. Shedding a few tears is OK, but doing what Oprah calls “the ugly cry” isn’t.
• Don’t post a bunch of “poor me-isms” on social media because it distracts your student from focusing on a successful transition to college.

DO keep it positive and focus on faith.

• Do send happy texts, emails, cards, and care packages to your college student, these mean a lot. 
  
• Do tell your student funny stories about a younger sibling or the dog, it will make them feel more connected to home and send pictures of the dog or pet.
• Students, do clean up your social media channels because you never know what can come back to haunt you in college and you don’t want to embarrass yourself or become a target of unwanted attention.  
• Do subscribe to Our Daily Bread and consider joining CRU to connect with others in a safe, faith based community.
• Parents can join Moms in Touch or a Bible Study with parents in a similar situation.

Moving away from home can be hard but I believe that every student can find success by preparing your relationships, finances and faith as you make this journey into adulting.

What can you do today to prepare for success in college tomorrow?

Ellie Kay is the best-selling author of fifteen books including Lean Body, Fat Wallet, and Heroes at Home. She is a Toastmaster Accredited Speaker as well as a popular international speaker and media veteran who has given over 2,000 media interviews including appearances on ABC, CNBC, CNN and Fox News. She writes for six national magazines and has been a Subject Matter Expert for the Wall Street Journal, New York Times and Washington Post. She is the cohost of The Money Millhouse podcast. Currently, Ellie provides financial education to military members through her “Heroes at Home Financial Event” sponsored for USAA. Ellie is married to LTC Bob Kay and they have seven children. 

Graphic adapted, courtesy of YannaZazu at Pixabay.

Create More Opportunities for Margin - Part 1

More and more, people are talking about “margin.” Dawn Wilson tackles this topic in a Self-Care UPGRADE in a two-part post to encourage those who find themselves stressed and over-committed, exhausted and near burnout.

Marginless living is the story of millions of Americans today. That’s part of my story too. I desperately needed more margin.

In his book, Margin: Restoring Emotional, Physical, Financial, and Time Reserves to Overloaded Lives (NavPress, 2014), Richard A. Swenson, a medical doctor, points out the lack of margin in American society in spite of all the “progress” we have made.

“The disease of marginless living is insidious, widespread and virulent,” Dr. Swenson said. “We live with unprecedented wealth and all it brings. We have leisure, entertainment, convenience and comfort…. Yet stress, frustration and oftentimes even despair unexpectedly accompany our unrivaled prosperity.”

His book is an excellent study of the reasons for marginless living, and he offers wisdom for every area of life. (I recommend it to stretch your thinking.)

But even before I read his book, I was thinking about the reasons for my own stress. Here’s what I discovered.

When some people think about margin, they envision the word “boundaries”—the need to not let others overrun the priorities in their lives.

I totally understand that. It’s important to have biblical priorities and values for our lives and families. We have to learn to say no to others’ expectations when they don’t understand, or when they either intentionally or unintentionally try to push past our boundaries.

But I think that’s only one side of margin.

My version of margin includes freedom. It focuses on space and freed-up time.

I like to describe margin as “spacious opportunities.”

In other words, yes, we need to establish firm boundaries so people will not take advantage of our kindness and desire to serve. That’s a necessary part of healthy relationships.

We want to live in a sacrificial way, but the Lord still may direct us to say “no” to some intrusive or unnecessary things so we can say “yes” to other things that fit our calling and biblical priorities (Colossians 4:1-2).

But we have to be sure we’re creating space for those “yeses.”

If we don’t, we’ll simply be piling good things onto other good things and causing over-commitment and stress.

We all need positive space to think, create, and breathe. But our lives are so busy, we won’t have wonderful, spacious opportunities unless we're purposeful in making room for them.

There are some things we can’t (and shouldn’t change)—the priority of a relationship with God and the priority of our key relationships (Matthew 6:33; Mark 12:30-31).

But beyond that, we need to see and embrace opportunities for margin throughout our lives. It’s a wonderfully positive approach.

There are at least SEVEN WAYS to create more opportunities for margin—for what really matters.

1. Create more empty space in your HOME. We don’t have to stuff every closet and fill every shelf. It’s OK to leave some empty space. Even healthy and freeing.

Part of the Titus 2:4-5 mandate for women, even those who have careers, is to work at home—to manage the home well. It doesn’t have to be a duty or drudgery. Make it fun. Create a freeing space to minister to people in your family and neighborhood.

Join me in creating that freedom! Evaluate your “stuff.” Go through one room per week with a big box or bag. What can you find to give away? Ask yourself:

• “How many of these do I have?” (Why do you need 12 pair of scissors—and they aren’t even crafting scissors? Learn to practice contentment: Hebrews 13:5a)
• “Why am I keeping this?” (An out-of-date college textbook. A 10-year-old jar of face cream, probably rancid.)
• “Do I really need to have this object to keep a memory alive?” (A photo might suffice.)
• “Is this a legacy item—and does my family want it?” (And usually, our millennial kids don’t.)
• “Do I really need this?” or “Might someone else need this more than me? (Consider a homeless person, a struggling single mom, a low-paid teacher, etc.)

I have often used some of the home and office organizing techniques I've learned from "Organizing Pro" Marcia Ramsland in her book Simplify Your Life.

2. Create more space in your CALENDAR. Just as our homes can be cluttered with stuff we don’t need, sometimes our lives are cluttered with activity and our schedules need some paring down.

We need to plan “down time” as carefully—and with as much joyful anticipation and dedication—as work, event and activity times. Part of making “the best use of your time” (Ephesians 5:15-17) is understanding the Lord wants us to know when to stop working, to stop pushing… to just stop!

Plan breaks and times of refreshing on a regular basis: daily, weekly, monthly, yearly. God wants His loved ones to get “proper rest” (Psalm 127:2).

Again, Marcia Ramsland can help with her book, Simplify Your Time.

3. Create more space in your BUDGET. Rather than thinking, “How much do I have left to spend?” think, “How much can I save?” or “How much can I invest?” Thinking we have money to indulge our every whim is seldom wise.

Rather than letting covetousness rule, give money its proper place and think in terms of faithful and wise stewardship.

• Grow your finances strategically (Proverbs 13:11) with forethought (Luke 14:28-30) and honestly (Deuteronomy 25:13-15).
• Be vigilant (Proverbs 27:23), and know where and how to invest (Matthew 13:44-46; 25:14-30).
• Provide for your family, and don’t forget to develop a generous giving heart (1 Timothy 5:8; Luke 12:15).
• Create a legacy for your children and grandchildren (Proverbs 13:22).

When we plan wisely, we will feel more secure (Ecclesiastes 7:12); but remember the true Source of your security. Even so, it’s still smart to create sufficient financial margin—sometimes called a “cushion of funds”—to carry you over in times of stress or crisis. Financial experts may not agree on the exact amount, but they all agree on the necessity!

For financial wisdom beyond the scriptures, I seek out people like "America's Family Financial Expert," Ellie Kay and The 60-Minute Money Workout. I also learned so much from Ron Blue and Jeremy White's Faith-based Family Finances, Dave Ramsey's The Total Money Makeover and Randy Alcorn's Managing God's Money.

How can you create more spacious opportunities in these three areas: Home, Calendar and Budget?

Part 2 of this post will appear on January 31st,  with four more areas needing margin.

Dawn Wilson, founder and President of Heart Choices Today, is a speaker and author, and the creator of three blogs: Heart Choices Today, LOL with God (with Pam Farrel), and Upgrade with Dawn. She is a contracted researcher/reviewer for Revive Our Hearts and a writer at Crosswalk.com. She and her husband Bob live in Southern California and have two grown, married sons, three granddaughters and a rascally maltipoo, Roscoe.