Ten Things the Government Needs to Learn About Budgeting That I Learned From Running a Church

Here we are again. It’s crunch time and the politicians are making a big fuss about the budget. Democrats blame the Republicans, Republicans blame the Democrats, the sky is blue, grass is green… Such is life.



In the past two years, I have become the Senior Pastor at a small church here in Phoenix. As a youth pastor for years, I never had to worry much about the budget, the elders and Senior Pastor did that. Now, it’s my job and I’ve learned that it is harder than I ever realized. Running a church is really just running a small business from a financial point of view*. Running a Government is no different from running a small business, either, just a matter of scale.


I’m still trying to get my mind around all of the issues of the business side of church, but here are some lessons I’ve learned that might just help Congress.


1. It’s easy to nickel and dime your way to deficit spending.


Most of the issues I’ve encountered when it comes to going over budget aren’t about the big expenses. Yes, occasionally an AC compressor will give out in July or an irrigation accident will destroy a neighbor’s yard and require repair, but the truth is, it’s all the little expenses here and there that build up. Paper is $35 a case. Toner is $120 a cartridge. We chose to print a hundred of those posters and suddenly, we are over budget. Workday projects, repairs, and maintenance always cost twice what you expected and necessitate three trips to Home Depot. Whoops, we did it again. This is what makes budgeting so hard, because $28 here and $55 there doesn’t sound like much until you do it too many times.






2. It’s easier to spend when it’s someone else’s money


My family is all about debt-free living. We don’t use credit cards, we don’t get car loans, and we try very hard to consider our expenses so we don’t overspend. However, when it comes to making choices of what to buy or not to buy at work, it’s easier to think, “Oh, we’ll just move the money over from another area to cover it,” or, “This item is on sale and we’ll surely use it someday, so we’ll go ahead and buy it now and replenish the fund later.” The problem is: it’s much easier to be brutally realistic about finances when you are talking about paying the rent to keep the roof over your head and paying the electric bill to keep your own lights on.



3. You don’t reduce the deficit, cut it entirely and work on paying off debt.


My earliest recollection of politics comes from the budget fights of the early eighties. I remember the politicians saying, time and time again, “We must cut the deficit.” Even as a teenager, that sounded very weird. I wasn’t even good at math, but I knew that a negative is a negative whether it was $1000 or $1 billion dollars. That’s like trying to dig yourself out of a hole by using a trowel instead of a spade. Either way, you’re still digging a deeper hole. Nope, you gotta learn to live within your means and NEVER spend in the negative.






4. There’s always a bunch of good things to do with the money, but not always a bunch of money to do good things with.


Church is all about this. There’s always someone who has a ministry need. The homeless need fed. The orphans need shoes. People in Africa need medicine. People in Japan just had a natural disaster. Poor families need Christmas presents. Missionaries need sent. Tots need toys. Trees need angels. Drives need canned food. On and on and on and on. All of these are good things, and all cost money. The simple truth is we just cannot do them all. We have to say, “No,” to some of them. That hurts, that’s difficult, and that’s absolutely necessary.


5. Look at your priorities.


Yup, that’s what this comes down to. Prioritizing. Sounds easy, right? List all your bills in order of urgency. Begin dividing up your money to pay for those. Then, create a rainy day fund and put a good percentage of money into that account to cover unforeseen problems. Then, if (IF) there is money left over, begin adding those things you want to do in priority order. Parcel out any remaining funds for those items until you run out of money. Then, say, “I’m Sorry,” to the rest of the items.






6. Consider other options to pay for things.


So, there are good things leftover from your list (see items 4 & 5 above). Gosh, there is one of them that you really, really want to do. It’s such a good idea, but we just don’t have the money in the budget for it. Great. Let’s do it. Here’s how: go to the people and sell it to them. Tell them what a great idea it is and why we should do it. If they’re on board, then they’ll help pay for it. If not, then back to the drawing board. What other ways might we fundraise for this? Who else can we get behind this idea that might help? Where else can we cut or where else can we earn the money to make it happen? What if the church as a whole doesn’t provide for it, but individuals within the church who are passionate about it get creative and make it work?


This leads us to an especially important message for the American People and our Silly Politicians. Are you ready… Wait for it…


The Government is not the only one who can provide money for good things to happen! Whoa! Step Back! You mean that private investors can do charity? You mean that churches and community groups can be responsible for some of this stuff? You mean families can actually help each other? You mean communities can get together and make something work? All of this without our Mommy the Government doing it for us?


Abso-stinkin-lutely!



7. Good stewardship matters for good character.


I know you may not believe it, but church is not about money. Our message is one of hope and truth. We point people to a righteous God. But, our message gets awfully muddled when we misuse the money that is entrusted with us. Why would someone trust us to listen to our message if we aren’t open and transparent about something as basic as our finances? Why would someone believe that God wants us to care for the poor if the church community spends all its money on events for themselves? Where is our integrity when we say we care about the poor in third-world nations who live on less than a dollar a day, but we spend $50 million on a new building for our church to meet in? As a church, the message is simple: people see the way we spend our money and it reflects on their perception of the truth of our message.


Dear Congress, this applies to you. America was once a shining beacon in the world. Is it anymore? If we expect people in developing nations to believe that democracy works, we’d better be showing them that it does. Our message of the American Way is marred by our financial failures.


8. Someone has to pay the bills and it ain’t fair to leave it for someone else.


A house of cards is bound to come tumbling down someday. It’s funny, but there is a parable about building your house on sand versus building it on solid rock. Now, Jesus wasn’t talking about our budget there, but the lesson still rings true with our finances. We may be able to spend in a deficit for a few years (or generations if you are the government). We can get away with it for a little while, but eventually the bills are going to be called in. It will be time to pay up. It just isn’t right to spend freely now, knowing our children will one day face crushing austerity measures and crumbling economy, just so we selfishly can have everything we want now. For a household, this may mean bankruptcy. For a church, it could very well close us down. For a nation, the end results are almost unthinkable.






9. Brutal Realism is Required.


This is true of thousand dollar family budgets, hundreds of thousand dollar church budgets, multi-million dollar industry budgets, and trillion dollar governments. When it comes time to cut, EVERYBODY must give a little. Pet projects must go by the wayside. If they are good, then maybe they can return someday. This is probably the biggest problem we face as a nation. Everyone agrees that the budget must be cut, but nobody is willing to give away their pet project. The arts community wants the budget cut, just not the National Endowment for the Arts. Soldiers want the budget cut, just not a dime from the military. Teachers want the budget cut, but nothing from the schools. Seniors talk about how they lived through tight times in the depression, but the AARP isn’t about to discuss ANY changes to Social Security or Medicare. It doesn’t matter whether you are a Republican or a Democrat, you want everyone else to tighten their belt, just not you. It’s time to cut everywhere. It’s hard, but sometimes you have to go through EVERY line item on the budget and make adjustments. It hurts, but it is necessary.


10. Yes, budgeting is Hard – Quit Whining About It.


I hate numbers. I detest accounting. I loathe detail work. So what? It’s my job and I have to buckle down and do it. Every year, we have to look at the budget. We have to crunch numbers. We have to make hard decisions. We have to give up things. We have to say, ‘No.’ So, I get a cup of coffee, treat myself to a donut that I’m not allowed to have, I sigh a little; and then I get to work.


Dear Congress and Mr. President (of any administration and any party). Despite what you may have been led to believe, we did NOT send you there to enrich yourself. We sent you there to make hard decisions and to be leaders. Please listen clearly to the following Public Service Announcement: “Suck It Up!!!” Quit whining, work together, give till it hurts, and tell the lobbyists and your own constituents, “I know you want this, but we just can’t afford this, so the answer is No.”






There are some who would say all of this is naïve. Sure, this stuff applies to households and small businesses, but the government just doesn’t work that way. Well, they are right about that last part: it doesn’t work. What we are doing with our money doesn’t work; it is a house of cards that is past due for a collapse. We, the American people of any party, truly are naïve if we think this can continue much longer.


I don't have all the answers, and trust me, this is still a work in progress in my own life.  But, I do know that this lesson will be learned someday... The easy way or the hard way.



* Oddly enough, I wasn’t required to take a single class in Bible College or Seminary called How To Run A Small Business 101.

Will the band play on?

This blog originally posted Tuesday, April 7, 2009 at 2:50pm

If you haven’t seen the movie, “The Matrix,” I strongly urge you to go see it. Put your thinking cap on and take some time to process it. Watch it with someone who likes to discuss ideas. Science fiction may not be your thing, but trust me, this is worth your time.

The movie tells the story of a guy who realizes that there is something more to the world that he is living in, that something about it isn’t right. He meets a group of people who help him to wake up to the fact that the world that he thought he was living in isn’t real and that he is actually living in an ugly world that is at war. The syncretism and pop-philosophy of movie has been much discussed, but the one part that I firmly believe that the creators got right, is the concept of two worlds existing simultaneously.

The first world is the one that we put on like a set of ultra-hip sunglasses and an iPod. It wraps around our eyes and blocks our ears, letting us see and hear only the most pleasant things, while filtering out the harshness of reality.

It is the world of entertainment that we cover our eyes with.

It is the world of toys and fun and busy-ness.

It is the world of Myspace and March Madness.

It is the world of Mortgages and Soccer Moms.

It is the world of corporate ladders and promotions.

It is the world where the things that Paris Hilton or Brittney Spears do matter.

It is the world where the coolest car, the nicest house, the most money, make a difference.

It is the world where you care what team won the game last night.

It is the world where you want to know what is going to happen tonight on “Lost,” or “House,” or “American Idol.”

It is the world of desperate dissipation that we grip tightly over your eyes so that we don’t see that other world… The real one.

The other world, the real one, is the world where choices are hard and bad things do happen. It ain't pretty. It is where your Mom is sick. It is where someone you know commits suicide. It is where a sweet little eight year old girl skips down the street to her murder. It is where a strange, lonely man opens fire on hopeful immigrants.

Genocide happens in this world over and over and over again and no one stops it. Moms and babies are hacked to death with machetes for being from the wrong tribe or religion. Men are beaten to death and beheaded for believing something different from their persecutors. Children in this world are forced to fight on the front lines of battle between drug lords or petty dictators. Beautiful young pre-teen girls are raped repeatedly in forced prostitution so that their starving families might be able to feed their brothers and sisters. Immigrants trying to find a new life, die of thirst in the desert while people argue of the ‘problem of illegals.’

Here in this world, children are born to struggling single moms and grow up knowing only crime and abuse to continue the cycle with their children. Here, elderly people languish in their own soiled clothing because family members are too busy to see them or help. Here, drugs and alcohol reap a terrible toll on the bodies, minds, and souls of their victims. Here, people die of AIDS, abandoned by their family for their lifestyle choice and by their friends out of fear of contracting the disease themselves.

Earthquakes happen. Wars go on. Lives are destroyed. Evil exists..... In this world.

In this world, hope dies a thousand deaths every day.

All this, while we close our eyes tightly, cover our ears and yell “la, la, la” at the top of our lungs so we don’t have to have our precious first world disturbed.And, if you do peek from between your eyelids and notice the other world, or, God forbid you call attention to it, there is always a man in a dark trench coat and shades, looking suspiciously like Timothy Leary there to hand you a blue pill and urge you to go back to sleep in blissful ignorance in the first world. Chill out. You take things to seriously. Don't worry, be happy.

The story goes that, as the Titanic sank, the orchestra realized they could not be saved. So they took out their musical instruments and played music as the ship was sinking.

For me, the most poignant scene in The Matrix is when Cypher betrays the others and makes a deal with Agent Smith so that he can return to the first world, the Matrix. He says, “I don't want to remember nothing, and I wanna be rich. , you know, someone important, like an actor.” He chooses a pretend life of escapism over the reality that is there.

I took the red pill years ago and sometimes I want to scream, “WAKE UP!!!”

I watch parents encourage their kids to play in every sport, to join every extracurricular activity, as if any of it matters. I watch men ignore their families to devote their lives to work so that they can get a little more money to buy toys that they will hardly have time to use. I watch women sink their lives into their children, living vicariously through them, trying to grasp the youth that they once had. I watch young people party like mad, trying to drown reality in beer bongs and unattached sex. I watch adults and teens get sucked into an online world where they can pretend to be anything they want to be and have ‘friends’ that never truly know who they really are. I watch people that I care about drowning in busy-ness and stress.

Yet, every once in awhile, the real world intrudes. The doctor says, “It is cancer.” Your Grandma calls and says she has been diagnosed with Alzheimers. The friend you had lunch with last week was just killed in a car accident. The letter arrives telling you that the bank is foreclosing.

This is your opportunity! Break out of your self-centered, entertainment-ridden, life of dissolution. Take the red pill. Wake up!!!

Your life on this earth is short. Turn off the television. Log off the computer. Throw away that magazine. Don’t sign-up for that next club sport. Put the golf clubs and fishing pole in the closet. Sell your toys and give money to the poor. Grab your family and hug them. Take the money that you would have spent on a movie or a cup of Starbucks or a new iPod and give it to someone in need. Meet your neighbors and really get to know them. Call up that friend that has slipped away because you have both been too busy. Have lunch with the lonely person, hold the hand of a sick person, read to a child, volunteer, go on a missions trip, serve someone. Go to church and get right with God.

or………take the blue pill………go back to sleep………rejoin the matrix………let the band play on………

But, I promise you this, you will be pulled, kicking and screaming into the real world eventually.

As this real world crushes you without pity, you may get a momentary glimpse, where you realize what a waste it has all been. You could have a moment to savor the taste of regret before you are extinguished. You might just receive the split-second of knowledge that neither your life, nor your death will ever matter.

We each have a choice - We can ride the edge of reality or fade away in dull self-indulgence.

Will the band play on?