In the past election, the economy was a huge factor. We realize that things are difficult for everyone financially. This is why we deeply appreciate the financial support you share with Crossroads on a regular basis. It has always been our commitment to use your dollars in the most effective way possible. We watch the expenses closely and look to get the best value we can.
As most of you know, we provide Financial Peace University on a regular basis. I believe in the program and in the principles that Dave Ramsey teaches. The leadership team has based our stewardship strategy on those principles. We remain dedicated to that strategy. In keeping with that strategy, we have made the following decisions.
1) We have cut staff salaries by $120 per week. It is not something we wanted to do, but the circumstances demanded it. We appreciate the staff and all the hard work they do. They have always gone above and beyond what we have expected.
2) We have indefinitely suspended doing the 3% for debt reduction. Given the current economic situation, we felt that we should be focused on funding our current programing and making our regular mortgage payment. Over one thousand dollars ($1000) of each offering goes just to cover the mortgage payment. The leadership team is still dedicated to reducing our debt. We will be discussing and proposing some future changes to our stewardship strategy in regard to it.
As difficult and challenging as things are financially for us as a congregation, they are even more so for those in our community who are poor. While you and I can financially “tighten our belts”, those who are less fortunate struggle for food, paying basic utilities, and even having gas in their car to go to work. This is where our benevolence ministry “My Brother’s Keeper” is desperately needed.
MBK is funded in several ways. First, it is funded through the two garage sales we have every year. Many of you have generously donated of your time and items for the sales. We also fund it through using the PayLess gift cards. Three percent (3%) of what you put on the card before you shop is donated to the ministry. You can use the gift card to buy groceries and even pay for gas as well.
Another way you can help MBK is to utilize their other program for purchasing gift cards for many popular restaurants and retail stores. These make great Christmas gifts and a percentage of price is given back to help those in need. For example, if you purchase ten $5 Starbucks cards, 10% of your $50 would be given to MBK. See Becky Holladay or Stacy Tilton for a list of merchants that participate in the program or use this link https://www.glscrip.com/downloads/2012giftguides/holiday_gift_guide1.pdf
The final way that we fund My Brother’s Keeper is through the second of our two annual special offerings. On November 18th, the Sunday before Thanksgiving, we will be taking up a special offering and ALL funds received will go to MBK. Remember this is a SPECIAL offering and should be “over and above” your regular tithing and giving to the church. It will NOT include any funds given online through our e-Give system. That means that you must come prepared to give either by a check or cash on that Sunday.
Please pray about this, and seek God’s direction. You folks blew my mind with the record special offering on Easter. I know that even in difficult times, God is still in control. Let your thankfulness and generosity be expressed as you consider how much you should give. As you do that, know this, that the funds you allow God to provide through you will make the difference in someone’s life. It will allow MBK to be the answer to a desperate person’s prayer for assistance.
See You Sunday,
Mike
Wednesday, November 7, 2012
Monday, October 8, 2012
Important Decisions
Here I am again, trying to establish the practice of blogging. If at first you don’t succeed, try again, again, and again I guess. I feel that the need to open up this important line of communication with members and friends of Crossroads. I hope that it can be an avenue for discussion and greater understanding.
Things around here are moving fast. We are already in the midst of our Fall programing. This month is filled with lots of events for both families and individuals. I will not mention everything that is going on, so please check the church website for full list of what’s going on.
We are really focusing on keep the website current. Sunday, we had our very first “official” meeting of our newly expanded eldership. I am really excited with the current make up of our leadership team. Each person brings a unique and valuable prospective to the table. As usually, we had some important decisions that we needed to make.
Dave Nance and I reported on a seminar we attended in Indianapolis on church compliance with the legal requirements of government. It was, as I anticipated, an eye opening experience for both of us. Basically, we learned that the government at all levels is looking very closely a churches and non-profits to see if they can get some revenue. As far as the federal government, they have created lots of new laws that we need to comply with or face fines, assessments, and even possible revocation of our non-profit status. This could mean that our members would no longer be able to claim their tithes and offerings on their taxes. In other words, these matters are serious issues that must be properly addressed.
In order to bring our congregation into full compliance with current law, the elders have made three important decisions I want you to be aware of. First off, the leadership unanimously decided to engage the services of StartChurch to assist us through this entire process of reviewing and updating our structure and processes. StartChurch is a company dedicated to helping churches deal with the increased scrutiny by the IRS. With over 12 years of extensively researching the laws that govern religious and non-profit organizations, they have compiled over 80 effective and user friendly manuals, using simple day-to-day language, and compliance software that makes church starts and management easier.
We have contracted with them to help us do a full audit of all our internal and financial processes, to incorporate our congregation, to update our constitution and by-laws, and resubmit our non-profit and tax exempt status to the state and federal governments. It will take the better part of year to complete this process. We will do our best to keep you informed as it goes forward. It is an expensive, but absolutely necessary process.
The second important decision dealt with our associate minister Dave Nance. Those of you who have been around here a while know the background. Dave has been an integral part of Crossroads for nearly a decade. He was our first paid student minister. A few years ago, Dave began internship with me preparing him for ordination. This included both practical coaching as well as intensive study program. We were extremely proud to ordain him as an evangelist and minister of the gospel.
I cannot tell how much I appreciate Dave’s work as our associate minister. He has been my right hand in the ministry here. The only difficulty has been that there is no provision for an unpaid associate minister in our structure or leadership. Dave has always been a voice on the leadership team, without an official seat at the table. We needed to correct this.
The leadership team unanimously decided to appoint Dave Nance to immediately begin serving as an elder of Crossroads until the December congregational meeting. At that meeting, we will vote on Dave as a congregation. I have no doubt that he will serve this congregation well in that capacity. Please keep him in your prayers as his responsibilities shift.
The third decision that was made in the meeting was the selection of a chairman. In the past, our leadership team was not formally structured with an official chairman. One of the lessons learned from the StartChurch conference was legal importance of such a structure, and need for such a position. This position is even more important now as we move forward in this process.
The leadership team unanimously determined that Dave Nance would be the best person to serve as our chairman this year. There were a number of reasons for this. One, he attended the seminar and is already up to speed on the process of review with StartChurch. Two, he is a detailed, high organized individual. Working through this process is going to require such person to keep it on track. Finally, Dave will have the time and availability to communicate and coordinate this process with StartChurch. He and I will continue to work closely with each other. The leadership team will also be greatly involved in this whole process as well.
As members of Crossroads, your participation in this process is going to be vital. We will keep you updated as things progress. I am certain that we will have some special congregational meetings to properly approve any changes made to our existing structural documents. I am equally certain that this audit and review is going to make us a better church as well as legally compliant with current law.
I want to close by encouraging you to consider your financial support of Crossroads. We are currently running nearly two hundred dollars behind our approved budget each week. Unless we see a significant increase in support these final months of the year, this shortfall will have to be reflected in next year’s budget.
If you have not signed up for e-give yet, please do so. The link can be found at crossroadschristianchurch.net If you need any assistance, ask Stephanie Guinn. She will be happy to help you. Try it, and I think you will like it. Even if you only use it to give a onetime gift, it will be greatly appreciated at this time.
I also ask for you to remember the leadership and the staff in your daily prayers. We live in exciting and challenging times. The key is going to be leaders guided by God's guidance and wisdom.
See You Sunday!
Mike
Things around here are moving fast. We are already in the midst of our Fall programing. This month is filled with lots of events for both families and individuals. I will not mention everything that is going on, so please check the church website for full list of what’s going on.
We are really focusing on keep the website current. Sunday, we had our very first “official” meeting of our newly expanded eldership. I am really excited with the current make up of our leadership team. Each person brings a unique and valuable prospective to the table. As usually, we had some important decisions that we needed to make.
Dave Nance and I reported on a seminar we attended in Indianapolis on church compliance with the legal requirements of government. It was, as I anticipated, an eye opening experience for both of us. Basically, we learned that the government at all levels is looking very closely a churches and non-profits to see if they can get some revenue. As far as the federal government, they have created lots of new laws that we need to comply with or face fines, assessments, and even possible revocation of our non-profit status. This could mean that our members would no longer be able to claim their tithes and offerings on their taxes. In other words, these matters are serious issues that must be properly addressed.
In order to bring our congregation into full compliance with current law, the elders have made three important decisions I want you to be aware of. First off, the leadership unanimously decided to engage the services of StartChurch to assist us through this entire process of reviewing and updating our structure and processes. StartChurch is a company dedicated to helping churches deal with the increased scrutiny by the IRS. With over 12 years of extensively researching the laws that govern religious and non-profit organizations, they have compiled over 80 effective and user friendly manuals, using simple day-to-day language, and compliance software that makes church starts and management easier.
We have contracted with them to help us do a full audit of all our internal and financial processes, to incorporate our congregation, to update our constitution and by-laws, and resubmit our non-profit and tax exempt status to the state and federal governments. It will take the better part of year to complete this process. We will do our best to keep you informed as it goes forward. It is an expensive, but absolutely necessary process.
The second important decision dealt with our associate minister Dave Nance. Those of you who have been around here a while know the background. Dave has been an integral part of Crossroads for nearly a decade. He was our first paid student minister. A few years ago, Dave began internship with me preparing him for ordination. This included both practical coaching as well as intensive study program. We were extremely proud to ordain him as an evangelist and minister of the gospel.
I cannot tell how much I appreciate Dave’s work as our associate minister. He has been my right hand in the ministry here. The only difficulty has been that there is no provision for an unpaid associate minister in our structure or leadership. Dave has always been a voice on the leadership team, without an official seat at the table. We needed to correct this.
The leadership team unanimously decided to appoint Dave Nance to immediately begin serving as an elder of Crossroads until the December congregational meeting. At that meeting, we will vote on Dave as a congregation. I have no doubt that he will serve this congregation well in that capacity. Please keep him in your prayers as his responsibilities shift.
The third decision that was made in the meeting was the selection of a chairman. In the past, our leadership team was not formally structured with an official chairman. One of the lessons learned from the StartChurch conference was legal importance of such a structure, and need for such a position. This position is even more important now as we move forward in this process.
The leadership team unanimously determined that Dave Nance would be the best person to serve as our chairman this year. There were a number of reasons for this. One, he attended the seminar and is already up to speed on the process of review with StartChurch. Two, he is a detailed, high organized individual. Working through this process is going to require such person to keep it on track. Finally, Dave will have the time and availability to communicate and coordinate this process with StartChurch. He and I will continue to work closely with each other. The leadership team will also be greatly involved in this whole process as well.
As members of Crossroads, your participation in this process is going to be vital. We will keep you updated as things progress. I am certain that we will have some special congregational meetings to properly approve any changes made to our existing structural documents. I am equally certain that this audit and review is going to make us a better church as well as legally compliant with current law.
I want to close by encouraging you to consider your financial support of Crossroads. We are currently running nearly two hundred dollars behind our approved budget each week. Unless we see a significant increase in support these final months of the year, this shortfall will have to be reflected in next year’s budget.
If you have not signed up for e-give yet, please do so. The link can be found at crossroadschristianchurch.net If you need any assistance, ask Stephanie Guinn. She will be happy to help you. Try it, and I think you will like it. Even if you only use it to give a onetime gift, it will be greatly appreciated at this time.
I also ask for you to remember the leadership and the staff in your daily prayers. We live in exciting and challenging times. The key is going to be leaders guided by God's guidance and wisdom.
See You Sunday!
Mike
Monday, January 30, 2012
Discipleship Strategy 2012
Dear Members of Crossroads Christian Church,
Crossroads is being transformed by God into a more effective tool for His Kingdom. This process is going to require significant changes to the way we do things and how we define membership. We have determined that we need to better clarify our mission and align our discipleship strategy with it.
We need a simpler and more direct strategy for making fully developed disciples. Every member and every convert should know HOW Crossroads does discipleship. For example if you had a friend or family member accept Jesus Christ, what would you tell them to do FIRST after being baptized?
To that end, it has been decided that after Sunday, February 26th, Crossroads will no longer have traditional Sunday school. This decision was not made lightly. Back in 2006, the leadership team formed a group tasked with doing an in-depth study of small groups. It was the unanimous recommendation of that group that we transition to small groups. It is time to make that transition complete.
Beginning with the first Sunday in March we will be concentrating all our efforts on making our worship experience awesomely inspiring to believers and compelling the lost. It will begin with what we are calling "Open Connection" at 9:30am. This will be a time of open fellowship. There will be pastries and coffee. Our children's area will be open to provide fun childcare while their parents mingle and talk.
During the month of March, we will be retooling our small group structure and recruiting facilitators and/or host locations. Our intention is to launch our new groups on Easter Sunday. They will meet on a weekly basis. It will be important for every member to be a part of a small group. The curriculum will be carefully selected to challenge each of us to be transformed more like Christ.
Joining a small group will be the NEXT step in our discipleship strategy. When someone comes to Christ, they will be encouraged to commit to a small group. The group curriculum will help them grow in their spiritual walk. The relationships they develop will encourage them to remain strong.
One of the main objectives of each group will be to challenge members to serve. This is the NEXT step in our strategy. We want everyone to be involved in ministry. Our ministry teams are the critical element at this point in the process. It is through serving that we begin to find our purpose in the body of Christ.
The FINAL step in our discipleship strategy will be to develop a greater personal sense of God's Great Commission. Each of us is called to making disciples in our own way. Our intention is to facilitate members being involved in a variety of mission opportunities locally, nationally, and cross-culturally. This will hopefully sensitize their hearts for the lost and lead them to guide others to Jesus Christ.
There are many details yet to be worked out. However, we wanted to keep everyone informed as these changes develop. As always, your input is greatly appreciated, as is your prayers.
The leadership Team
Ron Holladay, Fred Townsend, Troy Yeoman, Dave Nance, Michael Duff
Crossroads is being transformed by God into a more effective tool for His Kingdom. This process is going to require significant changes to the way we do things and how we define membership. We have determined that we need to better clarify our mission and align our discipleship strategy with it.
We need a simpler and more direct strategy for making fully developed disciples. Every member and every convert should know HOW Crossroads does discipleship. For example if you had a friend or family member accept Jesus Christ, what would you tell them to do FIRST after being baptized?
To that end, it has been decided that after Sunday, February 26th, Crossroads will no longer have traditional Sunday school. This decision was not made lightly. Back in 2006, the leadership team formed a group tasked with doing an in-depth study of small groups. It was the unanimous recommendation of that group that we transition to small groups. It is time to make that transition complete.
Beginning with the first Sunday in March we will be concentrating all our efforts on making our worship experience awesomely inspiring to believers and compelling the lost. It will begin with what we are calling "Open Connection" at 9:30am. This will be a time of open fellowship. There will be pastries and coffee. Our children's area will be open to provide fun childcare while their parents mingle and talk.
During the month of March, we will be retooling our small group structure and recruiting facilitators and/or host locations. Our intention is to launch our new groups on Easter Sunday. They will meet on a weekly basis. It will be important for every member to be a part of a small group. The curriculum will be carefully selected to challenge each of us to be transformed more like Christ.
Joining a small group will be the NEXT step in our discipleship strategy. When someone comes to Christ, they will be encouraged to commit to a small group. The group curriculum will help them grow in their spiritual walk. The relationships they develop will encourage them to remain strong.
One of the main objectives of each group will be to challenge members to serve. This is the NEXT step in our strategy. We want everyone to be involved in ministry. Our ministry teams are the critical element at this point in the process. It is through serving that we begin to find our purpose in the body of Christ.
The FINAL step in our discipleship strategy will be to develop a greater personal sense of God's Great Commission. Each of us is called to making disciples in our own way. Our intention is to facilitate members being involved in a variety of mission opportunities locally, nationally, and cross-culturally. This will hopefully sensitize their hearts for the lost and lead them to guide others to Jesus Christ.
There are many details yet to be worked out. However, we wanted to keep everyone informed as these changes develop. As always, your input is greatly appreciated, as is your prayers.
The leadership Team
Ron Holladay, Fred Townsend, Troy Yeoman, Dave Nance, Michael Duff
Friday, December 2, 2011
Thanksgiving Surprises
I hope you all had a great Thanksgiving. My wife and I were invited to the home of my son's new in-laws. They were were very gracious hosts and we felt quite welcome. We enjoyed getting to know them and had a great time.
The highlight was my son and his new bride announcing that she is pregnant. Having just been married in October, they obviously did not waste any time. They are going on their official honeymoon at the end of December. Please keep both Mitch and Melissa in your prayers and ask God for an uneventful pregnancy along with a healthy baby.
As most of you know, the Sunday before Thanksgiving is designed as My Brother's Keeper Sunday. On that day, we take up our special offering for our benevolence ministry. This year we received over $4400 to help those in need. Given the state of our economy and our own financial difficulties as a congregation, this is truly a testament to the graciousness of God working through His people.
This is just the beginning of what I know God is going to do through My Brother's Keeper. With a new team of people, the ministry will grow and touch even more lives than it already has.
The highlight was my son and his new bride announcing that she is pregnant. Having just been married in October, they obviously did not waste any time. They are going on their official honeymoon at the end of December. Please keep both Mitch and Melissa in your prayers and ask God for an uneventful pregnancy along with a healthy baby.
As most of you know, the Sunday before Thanksgiving is designed as My Brother's Keeper Sunday. On that day, we take up our special offering for our benevolence ministry. This year we received over $4400 to help those in need. Given the state of our economy and our own financial difficulties as a congregation, this is truly a testament to the graciousness of God working through His people.
This is just the beginning of what I know God is going to do through My Brother's Keeper. With a new team of people, the ministry will grow and touch even more lives than it already has.
Transformation or Degradation
My wife reminded me that Sunday (first Sunday in October)was my tenth anniversary as the preacher of Crossroads. Whether you see that as a good thing or a bad thing depends on your prospective I guess. For me personally, it has prompted some deep introspection. It is not that I don't have regrets because I do. If you have ever tried to do anything worthwhile for God, you will make your share of mistakes. The secret is to learn from them, not dwell in them. The source of my personal reflection is that I have been long enough to see the long term results of my labors.
I continue to be amazed by the transformation God has brought about in the lives of some of our members. I am equally concerned when I see that some people have not grown at all in nearly ten years. I wonder what can we do as a congregation to inspire more transformation in the lives of individuals. The business axiom "the system you have is perfectly designed to produce the results you are getting" keeps coming the mind.
I am researching this subject and praying that God will open my eyes to areas where we can improve. It may be that we need to totally rethink our whole structure. At this point, I am open to suggestions and invite your comments.
I continue to be amazed by the transformation God has brought about in the lives of some of our members. I am equally concerned when I see that some people have not grown at all in nearly ten years. I wonder what can we do as a congregation to inspire more transformation in the lives of individuals. The business axiom "the system you have is perfectly designed to produce the results you are getting" keeps coming the mind.
I am researching this subject and praying that God will open my eyes to areas where we can improve. It may be that we need to totally rethink our whole structure. At this point, I am open to suggestions and invite your comments.
Friday, November 4, 2011
Changes Coming to My Brother's Keeper
In the month of November, we will be receiving our second special offering of the year for our benevolence ministry, My Brother's Keeper. We celebrate the ministry and receive the offering on the Sunday before Thanksgiving (November 20th). In its brief history, you have exceptionally embraced this ministry, as a congregation. Your contributions have helped many families in need. You have been faithfully using your PayLess gift cards, as well as participating in our two garage sales.
There are two important changes being made in the ministry. The first is that I will be turning over the primary responsibility for MBK to a team of members. The team will be headed up by Mark Gosney, who did an outstanding job serving on our management team. He will be working with Tonya Grimm, Becky Holladay, Stacy Tilton, and Jeff Parks.
I am excited by this change for a number of reasons. First and foremost, these folks are very connected to the community around our church. They know the needs of the families in our neighborhood. They are also very creative and resourceful individuals who will be able to grow the ministry.
The second change is that the ministry will now be handling all of our benevolence needs for members and non-members. It is more efficient to have one system dealing with this type of need than two separate systems. This will mean that MBK will need to develop additional revenue streams to cover its expanded responsibilities. Look for new opportunities to support this key ministry.
However, by far, our special Thanksgiving offering is the single greatest source of revenue for MBK. Please keep this offering in your prayers. I fully realize that these are challenging financial times for all of us. We need to remember that we serve a great God who is bigger than our present difficulties. Keep in mind that what you give needs to be over and above your weekly tithe or offering. I encourage you to think of something you can do or not do in order to give generously to this offering.
There are two important changes being made in the ministry. The first is that I will be turning over the primary responsibility for MBK to a team of members. The team will be headed up by Mark Gosney, who did an outstanding job serving on our management team. He will be working with Tonya Grimm, Becky Holladay, Stacy Tilton, and Jeff Parks.
I am excited by this change for a number of reasons. First and foremost, these folks are very connected to the community around our church. They know the needs of the families in our neighborhood. They are also very creative and resourceful individuals who will be able to grow the ministry.
The second change is that the ministry will now be handling all of our benevolence needs for members and non-members. It is more efficient to have one system dealing with this type of need than two separate systems. This will mean that MBK will need to develop additional revenue streams to cover its expanded responsibilities. Look for new opportunities to support this key ministry.
However, by far, our special Thanksgiving offering is the single greatest source of revenue for MBK. Please keep this offering in your prayers. I fully realize that these are challenging financial times for all of us. We need to remember that we serve a great God who is bigger than our present difficulties. Keep in mind that what you give needs to be over and above your weekly tithe or offering. I encourage you to think of something you can do or not do in order to give generously to this offering.
Thursday, October 6, 2011
Our Stewardship Strategy
At Crossroads, we have a comprehensive strategy when it comes to stewardship. It is comprised of four (4) key elements. Each element is critical to the overall success of our congregation financially.
The first element is that we, as a congregation, tithe of our income. Ten percent (10%) of every dollar we receive in our general offerings goes into a separate checking account to be distributed by the missions team. The purpose for this is simply to honor God as the source of all our resources.
We also want encourage all of our members to be tithers as well. While this would obviously bless the church, the greater benefit would be to the individual member. If you are not currently tithing, it will take you to a whole new level spiritually speaking as well as financially.
The second element of our strategy is debt reduction. The wise leadership of the past has provided us wonderful facilities with a manageable amount of debt. Our current mortgage balance is around $480,000. While we have always made our payments, we feel strongly that we need to pay off this debt as quickly as financially feasible.
To that end, we have committed three percent (3%) of every general fund offering to reduce the principal balance of our mortgage. This might not seem to be a big amount, but every dollar paid now saves us a great amount of interest over the length of the loan. Coupled with that commitment is our pledge to never borrow money to pay operational expenses. This is why we have an emergency fund set aside to handle unexpected expenses.
The third element of our strategy is prioritized spending. Our annual budget is divided into two (2) sections. The first section is essential expenses. These are the basic necessary expenditures of the church. These include such things as insurance, mortgage, utilities, and staff salaries. These are fixed expenses that really must be paid.
The second section is what we call discretionary expenses. These are resources we give our ministry coordinators to carry out their individual ministry. While they are somewhat flexible and less time sensitive, they are important. For example, teaching materials are a discretionary expense. Our coordinators work hard to get the greatest value they can out of each and every dollar spent.
The final element of our stewardship strategy is radical generosity. Twice a year, we provide any opportunity to outrageously give to God through a special Sunday offering. Our first special offering of the year is taken on Easter Sunday. This is dedicated to special purpose or project. This year's offering was used to replace our outside playground equipment. We received over $12,000 on that day.
The second special offering is taken on the Sunday before Thanksgiving. All the funds received go into our benevolence ministry called "My Brother's Keeper". These funds are combined with proceeds from our garage sales and the Pay Less gift card program to help those with financial needs. We have expanded the program to provide assistance to both non-members and members of Crossroads.
Just like the legs of a table, these four elements provide a solid foundation for our stewardship. However every member of Crossroads has a critical role to play. Unless everyone does their best to become effective stewards of what God has given them, we will not have the proper amount of resources to operate effectively. We have provided tools to help you manage your giving to the church. One of those tools is online access to your giving record. Once you enroll, you can check your giving at anytime, print a statement, and even set up automatic drafting of your giving.
I especially like this feature of online giving and highly recommend it. Never again do I have to remember to write out a check before leaving for church. All I had to do was set up how much I wanted to give and how often I wanted to give it. Dave Ramsey calls this "automated discipline". It also benefits the church as well because there is no paper check to mess with and take to bank. My giving record is updated automatically and the funds instantly available to be used.
If you ever have a question about your giving, contact Stephanie Guinn. If you have any questions about our stewardship strategy, feel free to ask me or one of the elders.
The first element is that we, as a congregation, tithe of our income. Ten percent (10%) of every dollar we receive in our general offerings goes into a separate checking account to be distributed by the missions team. The purpose for this is simply to honor God as the source of all our resources.
We also want encourage all of our members to be tithers as well. While this would obviously bless the church, the greater benefit would be to the individual member. If you are not currently tithing, it will take you to a whole new level spiritually speaking as well as financially.
The second element of our strategy is debt reduction. The wise leadership of the past has provided us wonderful facilities with a manageable amount of debt. Our current mortgage balance is around $480,000. While we have always made our payments, we feel strongly that we need to pay off this debt as quickly as financially feasible.
To that end, we have committed three percent (3%) of every general fund offering to reduce the principal balance of our mortgage. This might not seem to be a big amount, but every dollar paid now saves us a great amount of interest over the length of the loan. Coupled with that commitment is our pledge to never borrow money to pay operational expenses. This is why we have an emergency fund set aside to handle unexpected expenses.
The third element of our strategy is prioritized spending. Our annual budget is divided into two (2) sections. The first section is essential expenses. These are the basic necessary expenditures of the church. These include such things as insurance, mortgage, utilities, and staff salaries. These are fixed expenses that really must be paid.
The second section is what we call discretionary expenses. These are resources we give our ministry coordinators to carry out their individual ministry. While they are somewhat flexible and less time sensitive, they are important. For example, teaching materials are a discretionary expense. Our coordinators work hard to get the greatest value they can out of each and every dollar spent.
The final element of our stewardship strategy is radical generosity. Twice a year, we provide any opportunity to outrageously give to God through a special Sunday offering. Our first special offering of the year is taken on Easter Sunday. This is dedicated to special purpose or project. This year's offering was used to replace our outside playground equipment. We received over $12,000 on that day.
The second special offering is taken on the Sunday before Thanksgiving. All the funds received go into our benevolence ministry called "My Brother's Keeper". These funds are combined with proceeds from our garage sales and the Pay Less gift card program to help those with financial needs. We have expanded the program to provide assistance to both non-members and members of Crossroads.
Just like the legs of a table, these four elements provide a solid foundation for our stewardship. However every member of Crossroads has a critical role to play. Unless everyone does their best to become effective stewards of what God has given them, we will not have the proper amount of resources to operate effectively. We have provided tools to help you manage your giving to the church. One of those tools is online access to your giving record. Once you enroll, you can check your giving at anytime, print a statement, and even set up automatic drafting of your giving.
I especially like this feature of online giving and highly recommend it. Never again do I have to remember to write out a check before leaving for church. All I had to do was set up how much I wanted to give and how often I wanted to give it. Dave Ramsey calls this "automated discipline". It also benefits the church as well because there is no paper check to mess with and take to bank. My giving record is updated automatically and the funds instantly available to be used.
If you ever have a question about your giving, contact Stephanie Guinn. If you have any questions about our stewardship strategy, feel free to ask me or one of the elders.
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