For a church, borrowing is never only a financing decision. It is a ministry decision that commits future resources to a present opportunity.

Churches may borrow for many faithful purposes. A growing congregation may need classrooms, worship space, or renovations that expand ministry. A loan may support staff additions when new leadership is essential before giving has fully caught up. Churches also borrow to purchase property, construct new facilities, repair roofs or mechanical systems, improve accessibility, install safety or technology upgrades, refinance costly obligations, or acquire vans and buses for children, youth, senior adults, and community outreach. In some cases, financing allows ministry to begin now while the cost is shared by those who will benefit over many years.

A Wesleyan and Biblical Framework

John Wesley’s guidance to gain all we can, save all we can, and give all we can provides a useful framework. A proposed loan should strengthen the church’s ability to make disciples and serve its neighbors—not simply satisfy institutional ambition. Wesleyan stewardship also values prudence, simplicity, accountability, and care for the vulnerable. The question is not merely whether the church can make the payment, but whether the commitment leaves room for generosity, mission, and changing needs.

Scripture commends both vision and careful preparation. Jesus tells builders to count the cost before beginning (Luke 14:28–30). Proverbs teaches that plans benefit from many advisers (Proverbs 15:22) and warns that borrowers become obligated to lenders (Proverbs 22:7). At the same time, the parable of the talents calls God’s people to put entrusted resources to fruitful use (Matthew 25:14–30). Together, these passages encourage neither fear nor recklessness, but prayerful courage supported by sound analysis.

Weighing Benefits and Challenges

Debt can accelerate ministry, preserve cash reserves, match payments to the useful life of an asset, and prevent one generation from bearing the entire cost of a long-term facility. However, debt also adds interest expense, creates fixed monthly commitments, and may restrict ministry during declining attendance, leadership transitions, or economic stress. Finance committees should test conservative giving assumptions, review reserves and deferred maintenance, evaluate insurance needs, communicate clearly with the congregation, and obtain appropriate legal and financial counsel.

Terms That Leave Room to Respond

Church loans commonly include a 15- to 25-year amortization schedule, monthly principal-and-interest payments, and a 5- to 10-year maturity when the remaining balance must be renewed, refinanced, or paid. Rates may be fixed for the full loan or only for an initial period. Lenders may also require an appraisal, loan-to-value limit, debt-service coverage, financial reporting, and approval of major changes. Terms vary by lender and project.

Flexibility matters because ministry rarely unfolds exactly as projected. Churches should ask about penalty-free prepayments, extra-principal options, interest-rate adjustment provisions, renewal expectations, construction draw procedures, and the ability to modify payment timing if circumstances change. Flexible payoff terms can allow a capital campaign, unexpected gift, property sale, or season of strong giving to reduce debt quickly. They can also preserve room to respond when God opens an unanticipated ministry opportunity.

Begin the Conversation

A well-structured loan should serve the church’s mission rather than define it. Begin with prayer, a clear ministry purpose, realistic projections, congregational trust, and terms that support both responsibility and responsiveness. Churches considering a loan are encouraged to contact Todd Marion for an introduction to our lending partners, assistance with initial loan inquiries, and further information about the financing process.  You can reach Todd at todd@methodistfm.org or by calling the Foundation at 601-948-8845.

Debt is not merely a mathematical issue; it is a spiritual and practical commitment that shapes our freedom, relationships, generosity, and peace.

The Saving Grace approach invites us to view money through the lens of faithful stewardship. Everything we possess ultimately belongs to God, so the central question is not simply, “Can I borrow?” but, “Will this obligation help me use God’s resources faithfully?” Debt is not automatically sinful, yet Scripture consistently treats it as serious because it limits future choices and places a claim on tomorrow’s income.

When Debt May Be Necessary

At times, borrowing can provide access to something important that would otherwise be out of reach. A reasonable mortgage can secure stable housing. Education or vocational training may increase a person’s ability to serve and earn. A carefully evaluated business loan may create productive opportunity, and emergency borrowing may be necessary when health, safety, or essential transportation is at stake. In these situations, debt can spread the cost of a long-lasting benefit over the years it will be used.

The Benefits—and the Challenges

Wise debt can build an asset, address a genuine need, or improve future earning capacity. It can also provide flexibility during an unusual season. Yet every loan has a cost. Interest raises the true purchase price; payments reduce future cash flow; variable rates create uncertainty; and excessive debt can bring anxiety, conflict, and less freedom to save or give. Consumer debt is especially dangerous when it finances a lifestyle that current income cannot support. What begins as convenience can become bondage.

Biblical and Wesleyan Wisdom

Proverbs 22:7 warns that “the borrower is servant to the lender.” Romans 13:8 urges believers to “owe no one anything, except to love one another,” emphasizing the faithful fulfillment of obligations. Jesus also teaches us to count the cost before beginning a commitment (Luke 14:28). Together, these passages call for honesty, foresight, contentment, and repayment—not fear or shame.

John Wesley’s counsel to “gain all you can, save all you can, and give all you can” offers a practical test. Borrowing should never depend on harmful earning, careless spending, or the sacrifice of generosity. Wesleyan stewardship seeks simplicity and freedom: we earn without harming others, avoid waste, provide responsibly for our households, and direct resources toward God’s purposes. Debt that repeatedly postpones these practices deserves careful reconsideration.

A Wise Path Forward

Before borrowing, pray, seek trusted counsel, compare the total cost, and test the payment against a realistic budget. Distinguish needs from wants, preserve an emergency reserve when possible, and choose the smallest obligation with the clearest repayment plan. If debt already feels overwhelming, begin without shame: list every balance, stop adding new consumer debt, make consistent payments, and seek reputable help. Grace meets us where we are, while wisdom helps us take the next faithful step.

Personal Reflection

1. Which of my current debts supports a genuine need or lasting benefit, and which may reflect impatience, pressure, or lifestyle spending?
2. How are my monthly debt payments affecting my ability to save, give generously, care for my household, and respond to God’s call?
3. What one practical step can I take this month to borrow more wisely or move toward greater financial freedom?

Healthy churches recognize that faithful stewardship requires more than meeting today’s bills. It also means preparing wisely for tomorrow’s ministry opportunities. Church leaders often think in terms of two categories of savings: short-term operating reserves and long-term endowments. Yet there is a valuable third category that deserves equal attention—intermediate savings.

Understanding the difference between these three types of savings can strengthen a church’s financial health and increase its ability to respond faithfully when ministry opportunities arise.

Short-term savings exist to support the day-to-day operation of the church. These funds provide liquidity for payroll, utilities, insurance premiums, ministry programming, and unexpected operational expenses. They ensure that ministry continues uninterrupted even when giving fluctuates or unforeseen costs arise. These funds should remain readily available because they may be needed at any time.

Long-term savings, on the other hand, are invested for ministry that has not yet been defined. Endowment funds and permanent reserves are established to bless future generations. We do not know exactly what opportunities God will place before the church decades from now, but we trust that faithful stewardship today will provide resources for tomorrow’s mission.

Between these two categories lies intermediate savings—funds intentionally set aside for a ministry need that is already known, even if the exact timing remains uncertain.

Every congregation has projects like these.

The HVAC system has served faithfully for many years, but everyone knows its replacement is approaching. The fellowship hall needs renovation to better serve the congregation and community. A church van will soon be needed to expand the senior adult ministry or transport youth to camps and retreats. A mission trip is already planned for next spring. Perhaps the congregation anticipates expenses related to welcoming a new pastor or launching a new outreach ministry.

These are not unexpected emergencies, nor are they distant dreams. They are known ministry needs that simply require preparation.

Rather than waiting until the need becomes urgent, churches can establish intentional intermediate savings goals. Leaders can estimate the expected cost, determine a reasonable timetable, and calculate how much should be saved each month or quarter. As progress is tracked, the congregation gains confidence by seeing tangible movement toward a meaningful ministry objective.

Intermediate goals also create wonderful opportunities for stewardship education. When members understand the vision behind a project, generosity often follows. Special offerings, designated gifts, memorial contributions, matching campaigns, or focused fundraising efforts can all accelerate progress toward a clearly defined goal. People enjoy giving to a purpose they can see, understand, and celebrate.

Another advantage of intermediate savings is that these funds often have an investment horizon longer than operating reserves. Because the project may be several years away rather than several months away, churches can consider investment strategies that seek greater returns while maintaining a level of risk appropriate for the expected timeframe. The investment strategy should always match the anticipated use of the funds. Resources needed in the near future should remain conservative, while projects several years away may allow for a modestly higher allocation to growth-oriented investments. Matching investments to the project’s timeline allows the church’s resources to work productively while preserving an appropriate level of prudence.

When the savings goal is reached and the project is completed, the congregation has another opportunity—to celebrate. Whether dedicating a renovated fellowship hall, commissioning a mission team, welcoming a new pastor, or placing a new church van into service, these moments become visible reminders of God’s provision and the congregation’s faithful stewardship. Celebration reinforces the value of planning and encourages future generosity.  Celebration acknowledges God as the provider and giver of all resources.

Church finance leaders have the privilege of helping congregations think beyond today’s budget and tomorrow’s uncertainties. By intentionally distinguishing between short-term, intermediate, and long-term savings, churches become better prepared to respond to God’s calling.

In simple terms:

• Short-term savings provide for known operational expenses and unexpected day-to-day needs that require immediate access to funds.
• Intermediate savings prepare for known ministry projects and capital needs that are expected in the coming months or years, even if the exact timing is uncertain.
• Long-term savings invest for future ministry opportunities that are not yet known, ensuring that generations to come will have resources to continue Christ’s work.

Each category serves a unique purpose. Together, they create a balanced stewardship strategy that equips the church to serve faithfully today, prepare wisely for tomorrow, and leave a lasting legacy for the future.

The Methodist Foundation of Mississippi would be honored to help you navigate the steps of setting financial goals, establishing a fund raising strategy and investing funds for growth.  Please reach out to Todd (662-770-0375 or todd@methodistfm.org) or Michelle (601-948-8845 or michelle@methodistfm.org) to discuss how we can partner with you in these areas.

John Wesley encouraged believers to “gain all you can, save all you can, and give all you can.” Those familiar words remind us that faithful stewardship is never simply about accumulating resources—it is about using God’s gifts intentionally to accomplish God’s purposes. The Saving Grace curriculum teaches that financial stewardship begins with recognizing that everything belongs to God and that we are called to be faithful trustees rather than owners. Once we embrace that truth, setting financial goals becomes an act of discipleship.

Scripture teaches us to approach planning with wisdom and purpose. Proverbs 21:5 reminds us, “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Likewise, Jesus encouraged thoughtful preparation when He asked, “Which of you, desiring to build a tower, does not first sit down and count the cost?” (Luke 14:28). Planning is not a lack of faith; rather, it is faithful stewardship of the resources God has entrusted to us.

The first step in biblical goal setting is to establish clear, prayerful goals. Ask questions such as: How can my spending better reflect my faith? How can I reduce debt? How much should I save for emergencies? How can I become more generous? Churches might ask similar questions: How can we strengthen our mission budget? Build an endowment? Eliminate debt? Expand outreach? Clear goals provide direction and allow us to intentionally align our financial decisions with God’s calling.

The second step is to track progress consistently. Goals that are never measured are often forgotten. Whether using a written budget, savings tracker, or regular financial reports, reviewing progress helps us remain focused. Saving Grace emphasizes that stewardship is a lifelong journey of intentional choices, not a one-time event. Small, faithful decisions made month after month often produce significant Kingdom impact over time.

Third, invite accountability. Wesley understood that spiritual growth flourishes in Christian community. The early Methodists met regularly in class meetings where believers encouraged one another toward holy living. Financial stewardship benefits from the same approach. Married couples should regularly review goals together. Church finance committees should celebrate progress and discuss challenges openly. Trusted friends or mentors can provide encouragement, wisdom, and accountability when motivation begins to fade. As Ecclesiastes 4:9-10 reminds us, “Two are better than one…for if they fall, one will lift up his fellow.”

As goals are accomplished, it is important to pause and reassess. A family that reaches its emergency savings goal may now focus on eliminating debt, increasing generosity, or preparing for retirement. A congregation that completes a building project may shift its attention toward missions, scholarships, or community outreach. Stewardship is dynamic because God’s mission continues to unfold throughout our lives. Reaching one goal often creates the opportunity to pursue an even greater Kingdom purpose.

Finally, celebrate what God has done. Celebration reminds us that every accomplishment is ultimately the result of God’s provision and our faithful response. In Scripture, God’s people regularly paused to remember His faithfulness before moving on to the next season of ministry. When a family becomes debt-free, when a church funds a new ministry, or when generosity changes someone’s life, we should give thanks together. Celebration strengthens our faith and inspires others to become faithful stewards as well.

One of the greatest gifts we can give the next generation is teaching children and young adults to set financial goals early in life. Encourage them to divide money into categories for giving, saving, and spending. Help them save for meaningful purchases rather than relying on debt or impulse buying. Invite them to participate in family giving decisions and celebrate when they reach savings goals. These simple habits cultivate patience, gratitude, generosity, and wisdom—qualities that will serve them throughout their lives. As Proverbs 22:6 teaches, “Train up a child in the way he should go; even when he is old he will not depart from it.”

Faithful stewardship is not measured merely by the size of our bank account or church budget. It is measured by whether our financial decisions reflect our trust in God and advance His Kingdom. Prayerful goal setting, diligent tracking, loving accountability, thoughtful reassessment, and joyful celebration enable us to become better stewards of all that God has entrusted to our care.

Reflection Questions

1. What financial goal is God calling you—or your church—to pursue over the next twelve months, and what first step can you take this week?
2. Who can serve as a trusted accountability partner to encourage you and help you remain faithful to your stewardship goals?
3. How will you intentionally celebrate God’s provision when a financial goal is reached, and how might that celebration inspire greater generosity and Kingdom impact?

Healthy churches do not simply manage money month to month—they develop faithful financial strategies that sustain ministry for both today and tomorrow. One of the most overlooked areas of church stewardship is the importance of building intentional savings into the church budget and teaching the congregation why those savings matter for future ministry impact. 

In the Saving Grace curriculum by Abingdon Press, stewardship is consistently framed as discipleship. Churches are called not only to encourage generosity, but also to model wisdom, planning, and faithful resource management. Saving is not a lack of faith; rather, wise planning allows churches to remain stable during uncertainty and prepared for future opportunities God may place before them. 

Scripture repeatedly affirms the value of preparation and wisdom. Proverbs 21:20 reminds us: 

“The wise store up choice food and olive oil, but fools gulp theirs down.” 

For churches, this principle means financial planning should include intentional reserves and savings strategies. A church budget should not simply account for immediate expenses, but also include planning for future ministry needs, emergencies, capital improvements, mission opportunities, and long-term sustainability. 

Many churches operate with little financial margin, leaving ministries vulnerable during economic downturns, unexpected expenses, or seasonal giving fluctuations. Developing savings within the church budget creates stability and flexibility. It allows church leaders to focus on ministry rather than constant financial crisis management. 

An effective church savings strategy recognizes that different funds often have different time horizons and purposes. 

Short-term reserves should remain liquid and easily accessible. These funds may cover operating fluctuations, emergency repairs, payroll protection, insurance deductibles, or unplanned ministry needs. Churches benefit from having reserves that are stable, accessible, and earning competitive returns while remaining available for ministry deployment. 

Intermediate-term savings may support future building improvements, equipment replacement, ministry expansion, or anticipated capital projects over the next several years. These funds can often be invested with a balance between growth and stability, recognizing that the church may not need immediate access but still desires prudent stewardship. 

Long-term funds and endowments often support future generations of ministry. These resources may be designated for scholarships, missions, outreach, clergy support, or permanent ministry initiatives. Long-term investment strategies allow churches to pursue growth over time while helping sustain ministry far into the future. 

Church leaders should also carefully consider how church savings are working while they are waiting to be deployed for ministry. Too often, substantial church balances remain idle in low-earning accounts for extended periods of time. Every dollar entrusted to the church represents Kingdom resources that should be stewarded wisely and intentionally. Church savings should not only remain secure and accessible when needed, but should also work productively to strengthen future ministry opportunities. 

John Wesley’s teaching to “Gain all you can, save all you can, give all you can” reflects a balanced understanding of stewardship. Wise saving strengthens the church’s future capacity for ministry and generosity. 

Equally important is teaching these principles to the congregation. Churches should encourage families and individuals to develop their own faithful financial plans that include giving, saving, and wise spending priorities. Financial discipleship is an important part of spiritual discipleship. Congregations benefit when church leaders openly model healthy stewardship, planning, and transparency. 

The church has an opportunity not only to teach generosity, but also to teach wisdom, contentment, planning, and long-term stewardship. When churches model these principles institutionally, they reinforce those same values personally within the lives of their members. 

Now is an important time for churches and church leaders to evaluate their financial strategies, reserves, and long-term ministry sustainability plans. The Methodist Foundation of Mississippi stands ready to help churches engage in thoughtful conversations about stewardship strategy, savings structures, investment options, long-term ministry impact, and faithful financial planning for future generations of ministry.  Please reach out for more discussion through Michelle Veazey (601-948-8845 or michelle@methodistfm.org) or Todd Marion (662-770-0375 or todd@methodistfm.org).  Please visit our website at methodistfm.org

 In the Saving Grace study by Abingdon Press, one of the foundational truths emphasized is that everything we have ultimately belongs to God. Psalm 24:1 reminds us, “The earth is the Lord’s and everything in it.” As Christians, we are not owners of our resources—we are stewards entrusted with managing God’s blessings faithfully. That stewardship includes not only giving generously, but also saving wisely and planning responsibly for the future. 

John Wesley famously taught: 

“Gain all you can, save all you can, give all you can.” 

Wesley did not promote saving simply to accumulate wealth. Rather, he believed wise saving allowed Christians to care for their families, avoid unnecessary debt, prepare for future needs, and create greater opportunities for generosity and ministry. 

For many families today, developing a savings plan can feel overwhelming. Rising costs, raising children, housing expenses, healthcare, education, and daily living demands can make saving seem impossible. Yet faithful stewardship begins not with how much we make, but with how intentionally we manage what God has already entrusted to us. 

A healthy savings strategy begins with prioritizing your spending plan. Saving should not be treated as “whatever is left over at the end of the month.” Instead, it should become a regular discipline built into the family budget. Just as we intentionally plan for housing, groceries, transportation, and giving, we should intentionally plan for saving. 

One helpful principle from Saving Grace is the importance of aligning our financial decisions with our values. Every dollar we spend reflects our priorities. Jesus said in Matthew 6:21: 

“For where your treasure is, there your heart will be also.” 

A practical way to begin is by developing a simple spending plan that prioritizes four areas: 

1. Giving  
2. Saving  
3. Essential living expenses  
4. Lifestyle spending  

Too often, families reverse this order and save only after all discretionary spending is complete. Faithful stewardship encourages us to give and save first, then structure the remainder of our spending around what is truly necessary.

Building savings also requires establishing different goals with different time horizons. Not all savings should be invested the same way because different needs arise at different times. 

Short-term savings should focus on safety and accessibility. Emergency funds, monthly reserves, and anticipated expenses such as car repairs, insurance deductibles, or home maintenance should generally remain in stable and liquid accounts such as savings accounts, money market funds, or short-term investment funds. Financial experts often recommend building three to six months of living expenses in emergency savings over time. 

Intermediate savings goals may include future vehicle purchases, children’s education expenses, home improvements, or ministry opportunities. These funds may have a time horizon of three to seven years and can often tolerate a moderate level of investment growth while still maintaining reasonable stability. 

Long-term savings, particularly retirement and legacy planning, can typically withstand greater market fluctuations because they have a longer time horizon. Historically, diversified long-term investments have provided greater opportunities for growth over time. Ecclesiastes 11:2 encourages wise diversification: 

“Invest in seven ventures, yes, in eight; you do not know what disaster may come upon the land.” 

Diversification reminds us not to place all of our resources into one place or one strategy. Wise stewardship includes balancing safety, growth, liquidity, and long-term planning. 

For growing families, saving can feel especially difficult during seasons filled with childcare costs, activities, medical expenses, and education needs. However, those seasons are precisely when intentional planning matters most. Small, consistent habits often produce long-term results. Even modest monthly savings can grow significantly over time through consistency and compound growth. 

Families should also regularly evaluate spending habits and distinguish between needs and wants. Wesley warned against unnecessary luxury and impulsive spending that distracts us from faithful stewardship. Saving Grace teaches that contentment is a spiritual discipline. In a culture driven by consumerism, Christians are called to practice gratitude, restraint, and intentionality. 

One of the most powerful ways to strengthen a family’s financial future is to teach these principles to children and other family members. Children learn stewardship not only from what we say, but from what we model. Parents and grandparents should openly discuss budgeting, saving, generosity, and wise financial decisions in age-appropriate ways. 

Children can begin learning stewardship by: 

• Setting aside portions of money for giving, saving, and spending  
• Participating in family giving decisions  
• Learning delayed gratification  
• Understanding the difference between needs and wants  
• Seeing parents model contentment and discipline  

Church leaders also play an important role in modeling faithful stewardship. Congregations are strengthened when pastors and leaders openly encourage biblical financial management, generosity, and wise planning. Financial discipleship is spiritual discipleship. 

Saving is not about fear or hoarding. It is about preparation, wisdom, and faithfulness. Proverbs 21:20 teaches: 

“The wise store up choice food and olive oil, but fools gulp theirs down.” 

Wise saving allows families to weather unexpected storms, support future ministry, reduce financial stress, and create opportunities for generosity. It provides margin for both ministry and life. 

As Saving Grace continually reminds us, stewardship is not merely about money—it is about discipleship, priorities, and trust in God. Developing a personal savings strategy is one practical way we honor God with the resources entrusted to us today while preparing faithfully for tomorrow. 

Reflection Questions: 

1. Does my current spending plan reflect my spiritual values and long-term priorities?  
2. What practical steps can I take in the next 30 days to begin or strengthen my personal savings plan?  
3. What financial habits and stewardship principles am I modeling for my children, family members, or others who are watching my example? 

In today’s volatile market environment, church leaders and finance committees face a critical challenge: how to faithfully steward long-term financial resources while navigating short-term uncertainty. Market swings, inflation concerns, and global instability can create anxiety, but they also present an opportunity to reaffirm a disciplined, long-term investment strategy grounded in both financial wisdom and theological conviction.

The reality is that volatility is not new—it is a normal part of investing. Even well-diversified portfolios experience fluctuations as markets respond to economic cycles. Investment leaders consistently emphasize that returns will “rise and fall with the value of the investments held,” reminding us that short-term variability is expected and should not drive long-term decision-making.

For church finance committees, the key is to remain focused on mission, not momentary market movement. Long-term investment strategies are designed to grow assets over time, supporting future ministry, expanding outreach, and creating sustainable income streams through endowments.

This is where the strength of disciplined, professionally managed funds becomes evident. The Methodist Foundation’s Long Term Fund has demonstrated solid performance, with returns of 11.6% over one year and 9.7% over three years. Similarly, the Methodist Foundation Wespath Long Term Fund has delivered 12.0% over one year and 9.2% over three years. These results reflect the power of diversified, long-term investing strategies that are built to weather market cycles while pursuing growth.

Such performance underscores an important principle: time in the market matters more than timing the market. Churches that remain invested through periods of volatility are positioned to benefit from recovery and long-term appreciation. Attempting to move in and out of the market based on short-term concerns often leads to missed opportunities and diminished returns.

Beyond performance, long-term funds serve a deeper purpose in the life of the church. They enable congregations to think generationally. Endowments funded through long-term investments provide ongoing income that can support missions, scholarships, staffing, and community outreach for decades to come. In this way, financial stewardship becomes a form of legacy ministry—impacting not only today’s congregation but future generations as well.

At the same time, prudent financial management requires balance. While long-term investments focus on growth, churches also need liquidity and stability for operational needs. The Methodist Foundation of Mississippi addresses this through its Short Term Fund, which offers a stable rate of 5.35% on the daily balance, recently affirmed by its Investment Committee. This fund provides full liquidity, no fees, and consistent returns, making it an ideal solution for reserves, operating funds, and near-term ministry needs.

Together, these strategies—long-term growth and short-term stability—form a comprehensive approach to church financial management. Finance committees should consider allocating resources across both types of funds, aligning investment horizons with ministry timelines.

Leadership also plays a crucial role in communicating this vision to the congregation. Transparency, education, and a clear articulation of purpose help build trust and encourage generosity. When members understand that their giving is not only meeting immediate needs but also building a foundation for future ministry, it deepens engagement and commitment.

Ultimately, managing church investments in a volatile market is not about avoiding risk entirely—it is about stewarding resources wisely in light of God’s mission. By embracing long-term growth strategies, leveraging stable short-term options, and maintaining a disciplined perspective, church leaders can navigate uncertainty with confidence.

In doing so, they position their churches not just to endure market volatility, but to thrive—creating lasting impact and expanding ministry opportunities for generations to come.

The Methodist Foundation of Mississippi is grateful for your partnership and always enjoys discussing these principles with you and your Finance Committee.  Please reach out to Todd Marion (todd@methodistfm.org) or Michelle Veazey (michelle@methodistfm.org) or call us at 601-948-8845.  We would be honored to come and visit with you and your church.

In the Wesleyan tradition, financial management is never merely about numbers—it is about discipleship. John Wesley’s well-known guidance, “Gain all you can, save all you can, give all you can,” offers a framework that aligns closely with the principles found in the Saving Grace series. At its core, Saving Grace teaches that money is not an end in itself but a tool entrusted to us by God for faithful living. Developing a personal spending plan is one of the most practical and transformative ways to live out this calling.

Session one of Saving Grace, “All Manner of Good,” reminds us through James 1:17 (ESV) that “Every good gift and every perfect gift is from above.” This truth reframes our understanding of income: what we “earn” is ultimately a gift from God. In Wesleyan theology, we are not owners but stewards. Psalm 24:1 reinforces this perspective: “The earth is the Lord’s and the fullness thereof.” A personal spending plan, then, is not simply about controlling money—it is about aligning our financial decisions with God’s purposes.

Creating a spending plan begins with awareness. This involves tracking income and expenses honestly and thoroughly. Wesley encouraged Methodists to practice disciplined self-examination, and this principle applies to finances as well. Where is your money going? Does it reflect your values, your faith, and your commitments? A spending plan helps answer these questions with clarity.

The next step is intentional allocation. In Wesleyan thought, financial priorities are shaped by love of God and neighbor. This means giving is not an afterthought—it is a first response. 1 Timothy 6:17–18 (ESV) calls believers “to do good, to be rich in good works, to be generous and ready to share.” A faithful spending plan reflects this by prioritizing generosity, then addressing essential needs, saving responsibly, and managing debt wisely.

Saving also plays an important role in Wesleyan stewardship. While Wesley warned against hoarding wealth, he affirmed saving as a means of avoiding waste and preparing to meet future needs. A well-crafted spending plan includes setting aside resources for emergencies and long-term goals, enabling stability and reducing financial anxiety. This, in turn, frees us to be more generous and responsive to God’s call.

Equally important is the discipline of contentment. A spending plan grounded in faith resists the pull of consumerism and cultivates gratitude. It helps individuals distinguish between needs and wants, making room for a simpler, more purposeful life. In this way, financial planning becomes a spiritual practice—one that shapes the heart as much as the wallet.

Ultimately, a personal spending plan is not about restriction but about freedom—the freedom to live intentionally, give generously, and trust God fully. By integrating these teachings and principles from God’s Word, individuals can transform their financial habits into acts of worship and stewardship.

Reflection Questions

1. When you examine your current spending habits, what do they reveal about your priorities, values, and trust in God’s provision? Where might God be inviting you to realign your financial life?
2. How can you intentionally structure your spending plan so that generosity becomes a first priority rather than a leftover? What specific changes would that require?
3. In what ways does your financial behavior reflect contentment or discontentment? How might adopting a Wesleyan perspective on stewardship reshape your approach to saving, spending, and giving?

In today’s volatile market environment, church leaders and finance committees face a critical challenge: how to faithfully steward long-term financial resources while navigating short-term uncertainty. Market swings, inflation concerns, and global instability can create anxiety, but they also present an opportunity to reaffirm a disciplined, long-term investment strategy grounded in both financial wisdom and theological conviction.

The reality is that volatility is not new—it is a normal part of investing. Even well-diversified portfolios experience fluctuations as markets respond to economic cycles. Investment leaders consistently emphasize that returns will “rise and fall with the value of the investments held,” reminding us that short-term variability is expected and should not drive long-term decision-making.

For church finance committees, the key is to remain focused on mission, not momentary market movement. Long-term investment strategies are designed to grow assets over time, supporting future ministry, expanding outreach, and creating sustainable income streams through endowments.

This is where the strength of disciplined, professionally managed funds becomes evident. The Methodist Foundation’s Long Term Fund has demonstrated solid performance, with returns of 11.6% over one year and 9.7% over three years. Similarly, the Methodist Foundation Wespath Long Term Fund has delivered 12.0% over one year and 9.2% over three years. These results reflect the power of diversified, long-term investing strategies that are built to weather market cycles while pursuing growth.

Such performance underscores an important principle: time in the market matters more than timing the market. Churches that remain invested through periods of volatility are positioned to benefit from recovery and long-term appreciation. Attempting to move in and out of the market based on short-term concerns often leads to missed opportunities and diminished returns.

Beyond performance, long-term funds serve a deeper purpose in the life of the church. They enable congregations to think generationally. Endowments funded through long-term investments provide ongoing income that can support missions, scholarships, staffing, and community outreach for decades to come. In this way, financial stewardship becomes a form of legacy ministry—impacting not only today’s congregation but future generations as well.

At the same time, prudent financial management requires balance. While long-term investments focus on growth, churches also need liquidity and stability for operational needs. The Methodist Foundation of Mississippi addresses this through its Short Term Fund, which offers a stable rate of 5.35% on the daily balance, recently affirmed by its Investment Committee. This fund provides full liquidity, no fees, and consistent returns, making it an ideal solution for reserves, operating funds, and near-term ministry needs.

Together, these strategies—long-term growth and short-term stability—form a comprehensive approach to church financial management. Finance committees should consider allocating resources across both types of funds, aligning investment horizons with ministry timelines.

Leadership also plays a crucial role in communicating this vision to the congregation. Transparency, education, and a clear articulation of purpose help build trust and encourage generosity. When members understand that their giving is not only meeting immediate needs but also building a foundation for future ministry, it deepens engagement and commitment.

Ultimately, managing church investments in a volatile market is not about avoiding risk entirely—it is about stewarding resources wisely in light of God’s mission. By embracing long-term growth strategies, leveraging stable short-term options, and maintaining a disciplined perspective, church leaders can navigate uncertainty with confidence.

In doing so, they position their churches not just to endure market volatility, but to thrive—creating lasting impact and expanding ministry opportunities for generations to come.

The Methodist Foundation of Mississippi is grateful for your partnership and always enjoys discussing these principles with you and your Finance Committee.  Please reach out to Todd Marion (todd@methodistfm.org) or Michelle Veazey (michelle@methodistfm.org) or call us at 601-948-8845.  We would be honored to come and visit with you and your church.

In the Wesleyan tradition, financial management is never merely about numbers—it is about discipleship. John Wesley’s well-known guidance, “Gain all you can, save all you can, give all you can,” offers a framework that aligns closely with the principles found in the Saving Grace series. At its core, Saving Grace teaches that money is not an end in itself but a tool entrusted to us by God for faithful living. Developing a personal spending plan is one of the most practical and transformative ways to live out this calling.

Session one of Saving Grace, “All Manner of Good,” reminds us through James 1:17 (ESV) that “Every good gift and every perfect gift is from above.” This truth reframes our understanding of income: what we “earn” is ultimately a gift from God. In Wesleyan theology, we are not owners but stewards. Psalm 24:1 reinforces this perspective: “The earth is the Lord’s and the fullness thereof.” A personal spending plan, then, is not simply about controlling money—it is about aligning our financial decisions with God’s purposes.

Creating a spending plan begins with awareness. This involves tracking income and expenses honestly and thoroughly. Wesley encouraged Methodists to practice disciplined self-examination, and this principle applies to finances as well. Where is your money going? Does it reflect your values, your faith, and your commitments? A spending plan helps answer these questions with clarity.

The next step is intentional allocation. In Wesleyan thought, financial priorities are shaped by love of God and neighbor. This means giving is not an afterthought—it is a first response. 1 Timothy 6:17–18 (ESV) calls believers “to do good, to be rich in good works, to be generous and ready to share.” A faithful spending plan reflects this by prioritizing generosity, then addressing essential needs, saving responsibly, and managing debt wisely.

Saving also plays an important role in Wesleyan stewardship. While Wesley warned against hoarding wealth, he affirmed saving as a means of avoiding waste and preparing to meet future needs. A well-crafted spending plan includes setting aside resources for emergencies and long-term goals, enabling stability and reducing financial anxiety. This, in turn, frees us to be more generous and responsive to God’s call.

Equally important is the discipline of contentment. A spending plan grounded in faith resists the pull of consumerism and cultivates gratitude. It helps individuals distinguish between needs and wants, making room for a simpler, more purposeful life. In this way, financial planning becomes a spiritual practice—one that shapes the heart as much as the wallet.

Ultimately, a personal spending plan is not about restriction but about freedom—the freedom to live intentionally, give generously, and trust God fully. By integrating these teachings and principles from God’s Word, individuals can transform their financial habits into acts of worship and stewardship.

Reflection Questions

1. When you examine your current spending habits, what do they reveal about your priorities, values, and trust in God’s provision? Where might God be inviting you to realign your financial life?
2. How can you intentionally structure your spending plan so that generosity becomes a first priority rather than a leftover? What specific changes would that require?
3. In what ways does your financial behavior reflect contentment or discontentment? How might adopting a Wesleyan perspective on stewardship reshape your approach to saving, spending, and giving?

Wesleyan church leaders are entrusted with a sacred responsibility: to steward resources that ultimately belong to God for the sake of His mission. In seasons of market volatility—when headlines are unsettling, portfolios fluctuate, and uncertainty feels close at hand—it becomes even more important to anchor our decisions not in fear, but in faithful, long-term vision.

We are living in a time where financial markets shift rapidly. Inflation concerns, interest rate changes, geopolitical tensions, and economic uncertainty all contribute to short-term swings in market value. These fluctuations can tempt leaders to react quickly—pulling back, moving to cash, or attempting to “time the market.” While such responses may feel prudent in the moment, they often undermine the very goals we seek to accomplish for long-term ministry impact.

As stewards of God’s resources, we are called to something deeper than reaction—we are called to wisdom.

A Wesleyan understanding of Biblical stewardship recognizes that God is the owner of all things, and we are trustees. This perspective changes how we approach investing. We are not merely protecting assets; we are cultivating them for future Kingdom work. Endowments, reserve funds, and long-term investments exist not just for today’s needs, but for tomorrow’s ministry—funding mission, supporting clergy, resourcing outreach, and ensuring that the church remains a vibrant witness in its community for generations to come.

This is why a long-term view is essential.

Historically, financial markets have demonstrated a consistent pattern: short-term volatility, but long-term growth. While any given year—or even several years—may include downturns, the broader trajectory of diversified market investments has been upward over decades. This long-term growth is what enables church funds to outpace inflation, preserve purchasing power, and expand their capacity for ministry.

When we focus too heavily on short-term fluctuations, we risk missing this larger picture. Selling investments during downturns locks in losses. Sitting on the sidelines waiting for the “right time” often results in missing the market’s recovery—periods that can be both rapid and significant. In contrast, a disciplined, long-term approach allows us to participate in the full arc of market growth.

Emotional investing is one of the greatest threats to faithful stewardship. Fear during downturns and overconfidence during peaks can lead to decisions that are inconsistent with sound financial principles. As leaders, we must resist the urge to react emotionally and instead remain grounded in a thoughtful, well-constructed investment strategy aligned with our mission and time horizon.

Scripture calls us to wisdom, patience, and trust—qualities that are especially important in times like these. Just as a farmer does not uproot crops at the first sign of a storm, we do not abandon long-term investment strategies in response to temporary market conditions. Instead, we remain steady, trusting that faithful cultivation over time yields fruit.

A long-term investment approach also aligns with our missional calling. When we prioritize growth and market value over time, we increase the resources available for ministry. This means more scholarships, more outreach, more support for congregations, and a greater capacity to respond to the needs of our communities. By maintaining a long-term perspective, we are not just managing money—we are multiplying impact.

This does not mean ignoring risk or avoiding prudent oversight. It means building a diversified portfolio, setting clear objectives, and regularly reviewing performance—always with an eye toward long-term outcomes rather than short-term noise.

In volatile times, steady hands and faithful vision matter most. As trustees of God’s resources, we are called to look beyond the immediate moment and invest with confidence in the future God is still shaping. The markets may rise and fall, but our mission remains constant—and our stewardship must reflect that enduring purpose.

Thank you for your faithful trust and partnership with the Methodist Foundation of Mississippi.  We are honored to be the shepherd of your church’s funds.  Please reach out to us with any questions, concerns or thoughts as we all navigate today.  We always enjoy an opportunity to come visit or talk on the phone.  You can reach us at 601-948-8845, via email at todd@methodistfm.org or our website at www.methodistfm.org

In Wesleyan theology, as reflected in Saving Grace (Abingdon Press), the Gospel does more than secure our eternity—it reshapes our daily lives, including how we view and use money. Our financial decisions become an expression of discipleship. The question before us is simple but profound: Are we living as foolish owners, or faithful trustees?

Jesus offers a sobering warning in Luke 12:

“Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.”

And he told them a parable, saying, “The land of a rich man produced plentifully, and he thought to himself, ‘What shall I do, for I have nowhere to store my crops?’ And he said, ‘I will do this: I will tear down my barns and build larger ones…’ But God said to him, ‘Fool! This night your soul is required of you… So is the one who lays up treasure for himself and is not rich toward God.”
—Luke 12:15–21 (ESV)

The rich man in this parable was not condemned for being productive or successful. His folly was deeper—he believed the resources were his, for his purposes, and for his security. His language reveals it: my crops, my barns, my goods. This is the worldview of ownership, where money becomes a source of identity, control, and false assurance.

This mirrors the broader cultural narrative. The world tells us that money is ours to earn, ours to spend, and ultimately, ours to define our success. Accumulation becomes the goal, and self-sufficiency the measure of security. Yet Jesus calls this way of thinking foolish—not because wealth itself is evil, but because misplaced trust is.

In contrast, the biblical vision is one of stewardship. Scripture consistently teaches that God is the true owner of all things: “The earth is the Lord’s and the fullness thereof” (Psalm 24:1). We are not owners—we are trustees. A trustee manages resources on behalf of another, with accountability and purpose.

To live as a trustee is to recognize that every dollar entrusted to us carries a divine assignment. It shifts the question from “What do I want to do with my money?” to “What does God want me to do with His?” This perspective frees us from the anxiety of ownership and invites us into the joy of participation in God’s work. A Biblical view of stewardship transforms not only our hearts but also our habits—aligning our financial lives with God’s kingdom purposes.

Practically, this stewardship touches five key areas of our financial lives:

• Earning – Honoring God through diligence and integrity in our work
• Giving – Reflecting God’s generosity as a first priority, not an afterthought
• Saving – Exercising wisdom and planning for future needs
• Debt – Avoiding bondage and pursuing freedom
• Spending – Making intentional choices that align with our values

At the center of these is the discipline of a spending plan. A spending plan is not about restriction—it is about alignment. It ensures that we direct the money entrusted to us, rather than being directed by impulse, culture, or circumstance. When we assign purpose to every dollar, we move from reaction to intention, from anxiety to stewardship.

A simple approach begins with clarity: understand your income, prioritize giving, allocate for essentials, plan for saving, and set boundaries for discretionary spending. The goal is not perfection, but faithfulness—bringing order to our finances so they reflect God’s priorities.

In the end, the difference between foolishness and faithfulness is not measured by how much we have, but by how we see it. Are we owners building bigger barns, or trustees building God’s kingdom?

Questions for Reflection:

1. In what ways do my financial habits reflect ownership rather than stewardship?
2. How might my decisions change if I truly viewed all my resources as entrusted by God?
3. What is one step I can take this week to better align my earning, giving, saving, debt, or spending with God’s purposes?

One of the most important reminders I share with groups often is the importance of talkingabout the important topics – especially money. Faithful stewardship and generosity are not side conversations in the life of the church—they are central to discipleship. In fact, apart from the gospel of Jesus Christ itself, money, possessions, generosity, and stewardship are among the most frequently discussed topics in all of Scripture. Jesus spoke about money not because it was trivial, but because it is deeply connected to our hearts, our trust, and our witness.

For Wesleyan churches, this creates both a responsibility and an opportunity. Finance committees are not merely tasked with balancing budgets and reviewing reports; they are stewards of a larger vision. The question before us is not simply “How do we fund the church?” but “How do we form a congregation that understands generosity as a joyful response to God’s grace?”

That kind of formation does not happen through a single sermon, a once-a-year pledge card, or a budget presentation in the fall. It happens when stewardship becomes part of the ongoing narrative of the congregation throughout the year. Like other important areas in the life of the church, an intentional plan around generosity and stewardship will ensure the narrative is happening throughout the year in our churches.

Why a Plan Matters

Without an intentional plan, stewardship conversations tend to be reactive—showing up only when giving is down or expenses are rising. With a plan, generosity becomes proactive, pastoral, and spiritually grounded. A year-round stewardship plan allows the church to teach, celebrate, invite, and testify to God’s faithfulness in ways that feel natural rather than transactional. Finance committees can play a key role by partnering with pastors, teachers and laity to weave stewardship into the life of the church across multiple touchpoints.

Practical Ways to Build Stewardship into Church Life

Email and Written Newsletters

Rather than focusing only on numbers, newsletters can regularly highlight stories: a ministry made possible through generosity, a mission partner supported, or a testimony of faithful giving. A short “Stewardship Moment” once a month can remind readers that giving fuels mission, not maintenance. These stories highlight the impact of our giving.

Social Media Communication

Social platforms are powerful storytelling tools. Brief posts can celebrate volunteers, share Scripture related to generosity, or spotlight community impact. A simple post such as, “Because of your generosity, this happened…” keeps stewardship visible without pressure.

Bulletins and Worship Materials

Bulletins can include rotating Scripture verses on stewardship, brief prayers of thanksgiving for offerings, or short explanations of how giving supports ministry. These small cues reinforce that generosity is an act of worship.

Sunday School and Small-Group Curriculum

Stewardship education should not be limited to adults during budget season. Incorporating age-appropriate lessons on money, contentment, and generosity into Sunday School and small groups helps form disciples at every stage of life. Wesleyan theology offers a rich framework for teaching money as a tool for holiness and love of neighbor.

Volunteer and Service Opportunities

Generosity is not only financial. Connecting giving to hands-on service—food ministries, mission trips, local partnerships—helps congregants see stewardship as a holistic way of life. Service often becomes the bridge that opens hearts to financial generosity.

Sermon Preparation and the Church Calendar

Finance committees can support pastors by encouraging stewardship themes to align with the church year—gratitude during Thanksgiving, simplicity during Lent, mission during Pentecost. When preaching on stewardship is planned thoughtfully and biblically, it becomes formative rather than uncomfortable.

Moving from Anxiety to Faithful Confidence

Talking about money in church can feel risky, but avoiding the conversation is far riskier. Scripture reminds us again and again that “the earth is the Lord’s, and everything in it.” We are not owners; we are stewards. When congregations understand this truth, generosity becomes an expression of trust rather than obligation. With a clear, prayerful, year-round plan for stewardship education, churches can move from anxiety about funding to confidence in God’s provision. As generosity becomes part of the shared story of the congregation, the mission and ministry of the church—and the flourishing of the surrounding community—can be faithfully and sustainably funded.

Stewardship is not about asking for money. It is about inviting people into a deeper, freer, more joyful way of following Christ. Remember, the Methodist Foundation is here to partner with you to equip, educate and invest. We like to help you equip and educate your congregation on the critical matters of stewardship and generosity. We are able to do this through written materials, seminars, and small group sessions, presentations and group or individual meetings.

As an investment tool, we offer two long-term funds and a short-term fund. Our short-term fund currently pays 5.35% interest on the daily balance with full liquidity, no minimum amount and no fees. Your are able to access your money at any time.

Please reach out to Todd Marion (todd@methodistfm.org) or Michelle Veazey (michelle@methodistfm.org) or call us at 601-948-8845.

Saving Grace is a series which explores money management from a Wesleyan perspective with the goal of teaching God’s children to have a Godly and healthy relationship with money. I encourage you to explore the depth of resources available in this series, however, I want to walk you through an overview of each Session of the book throughout this year.

Session One: All Manner of Good — A Faithful Beginning

In our first session of the Saving Grace curriculum, we begin with a simple but life-shaping truth: everything we have is a gift from God, entrusted to us for His purposes.

The apostle James reminds us, “Every good gift and every perfect gift is from above, coming down from the Father of lights” (James 1:17, ESV). This verse anchors our understanding of stewardship. What we possess—our income, homes, retirement accounts, talents, time, influence, and relationships—does not ultimately originate from our own effort. They are gifts flowing from the gracious heart of God.

King David declares in Psalms 24:1, “The earth is the Lord’s and the fullness thereof, the world and those who dwell therein.” Nothing falls outside the scope of God’s ownership. When we confess this truth, our posture shifts from ownership to stewardship. We move from asking, “What do I want to do with my money?” to “Lord, how would You have me use what already belongs to You?”

The apostle Paul exhorts believers in First Epistle to Timothy 6:17–18 not to set their hopes on the uncertainty of riches but on God, “who richly provides us with everything to enjoy.” Notice the balance—God provides richly, and He invites enjoyment. Stewardship is not rooted in guilt or fear. It is grounded in gratitude and trust. Paul continues: “They are to do good, to be rich in good works, to be generous and ready to share.” In other words, our financial lives are meant to overflow into “all manner of good.”
The Methodist tradition captures this beautifully in the words of John Wesley: “Gain all you can, save all you can, give all you can.”

Wesley did not see financial discipline and spiritual devotion as opposites. Rather, he saw them as companions. We work diligently. We steward wisely. We give generously. The goal is not accumulation for its own sake, but faithful participation in God’s redemptive work in the world.

In a culture that often equates success with consumption, our faith calls us to something deeper. The world tells us money is security. Scripture tells us God is security. The world tells us money is identity. Scripture tells us we are children of God. The world tells us money is power. Scripture tells us generosity is power—because it reflects the very heart of Christ.

When we allow God’s Word to shape our thinking, stewardship becomes an act of worship. Every budget becomes a spiritual document. Every act of generosity becomes a testimony. Every decision about saving, investing, or spending becomes an opportunity to reflect the character of our generous God.

For church leaders especially, this vision is essential. Congregations often learn more from what we model than from what we teach. When leaders approach money prayerfully, transparently, and generously, the church becomes a community where resources are aligned with mission—supporting ministry, caring for the vulnerable, forming disciples, and expanding the Kingdom.

But this journey begins personally. Before policies and programs, there must be hearts transformed by grace. Stewardship is not first about percentages; it is about trust. It is about recognizing that God has entrusted us with resources so that we may participate in His goodness.

As we reflect on this first session, consider these questions prayerfully:

1. How has your view of money been shaped by your faith or culture? Have you absorbed messages that conflict with Scripture? Where has God’s Word corrected or affirmed your assumptions?
2. What does it mean to see money as a gift entrusted by God? How would your daily decisions change if you truly believed you were managing God’s resources rather than your own?
3. Where do you see opportunities for money to be used for good in your life? In your family? In your church? In your community? In ways that reflect Christ’s love?

May this first step in Saving Grace reorient our hearts. May we become people who gain faithfully, save wisely, and give joyfully. And may our stewardship—shaped by Scripture and empowered by faith—bear witness to the abundant generosity of our Lord. Let’s walk a journey towards a deeper understanding of God’s principles on stewardship, money and all He has entrusted to His children together through the year.

(The Saving Grace Series is published by Abingdon Press)